Does a Chiropractor Cost

Many prescriptions are to ease pain that you are experiencing and those can become addictive. Painkillers do not fix the underlying problem that is the cause of the pain in the first place. What happens is you get temporary relief from the pain and then after a while the pain returns, you go back to the doctor, you get back on pain medication and the cycle continues. You end up on a merry-go-round with medical care. According to the New York Times premiums, co-pays and out-of-pocket expenses have gone up considerably over the past few years.

A Chiropractor is more cost-effective than medical care
Now, look at chiropractic cost. The average cost of an adjustment is $65 per visit. Each visit could range from $34 to $106, depending on where you live. If x-rays are necessary, the cost can range from $44 to $159. Chiropractors sometime offer discounts for initial visits because their goal is to help you get relief from the pain you are experiencing AND they want to fix what is causing the problem. Chiropractic care is not a “quick-fix” to your pain it will take some time but in the end, the cause of the pain will be treated.

Most health insurance plans cover some level of chiropractic care. Like medical expenses, chiropractic care expenses are tax-deductible. Many chiropractic offices accept insurance and have payment plans available.

A study done in 2007 compared costs to patients using chiropractors as their primary care physicians to medical doctor care. This study involved 70,000 member-months spanning a seven-year period. The results of the study showed that “hospital admissions were decreased by 60.2%, cost of days spent in the hospital were decreased by 59%, outpatient surgeries decreased by 62%, and prescription drug costs decreased by 85% compared to conventional medically driven care.”

Rethink Major Medical Insurance

A fixed indemnity hospital insurance plan pays pre-set dollar amounts for specific health care services. The benefits you receive for health care service is the same regardless of where you receive your care or how much your provider charges. This makes you a consumer because you will need to shop around to find providers that offer the best prices. Some plans are more robust than others but they are not meant for people who need to see the doctor regularly. In fact, these plans generally do not accept pre-existing conditions.

These plans can also be used to augment your major health insurance. Every policy will have gaps in coverage, even if that gap is just a very high deductible. A hospital indemnity plan might actually fill that gap with additional coverage at an affordable price. Also realize these benefits are typically paid directly to the insured and do not have a coordination of benefits agreement. This means you might be reimbursed for a service your major health insurance plan already paid for.

The minimum essential coverage plan is based on the individual mandate language in the affordable care act. The federal law made it mandatory for everyone to have health insurance but only at a level that covered what they called minimum essential coverage. This coverage is basically annual checkups, specific screenings and counseling for certain individuals. Essentially if you have one of these plans the irs could not penalize you for not having adequate health care. These plans are ridiculously cheap but are really only for people who are fit and healthy. This is a whole new plan developed especially because of the affordable care act and the realization that not everyone can afford a major health insurance policy.