How To Check if Chiropractic Care Due to an Auto Accident Is Covered by My Insurance

Insurance is a critical part of any car crash, especially when there are injuries involved. You’ll need it to help you pay for medical treatment, as well as repairing the damage to your vehicle. One particularly effective means of recovery after an auto accident is chiropractic care. But when it comes to insurance coverage, it’s easy to get confused. So many people miss out on the opportunity for healing and pain relief, simply because they weren’t sure if treatment was covered under their current policy.

If this sounds like you, don’t let the chance pass you by. We’re here to help clear up any uncertainty and misconception when it comes to chiropractic care and insurance after an auto accident. How can you find out if you’re covered? Read on to learn more!

First, since the injuries are accident-related, you’ll want to use your car insurance toward any medical treatment, including chiropractic. Personal injury protection is not offered to motorists in North Carolina, but Medical Payments Coverage (MedPay) acts as an optional alternative that can be added to your policy. When you file a claim with your insurer, it’s essential that you file a medical claim. While accident claims primarily deal with physical damage to your vehicle, medical claims are more specifically tailored to compensate for any bodily injuries sustained during a wreck.

Even if you’re covered by MedPay, you may still be required to demonstrate that chiropractic care is reasonably necessary to your recovery. For example, cuts and bruises don’t necessitate specialized treatment, but whiplash or subluxation can benefit from chiropractic care. Keep in mind that you may need to pay the office costs upfront, depending on your insurance company’s payment structure. It may be wise to clarify before you commit to chiropractic: Will they pay for the treatment as you go? Or do you need to wait until the treatment process is complete and then request reimbursement at that time?

If you’re ever unsure about anything, reach out and contact your auto insurance provider directly. Be sure to ask if you have MedPay, how much you have in that fund, what you must demonstrate to access those funds, and what the payment structure looks like. Most, if not all, auto insurance providers will cover chiropractic treatment after an accident, provided that you have the proper coverage in place.

Searching for a place to use that auto insurance? We invite you to join us here at Chiropractic Health Charlotte. Car accident injuries can be debilitating, but we’re here to help. Get started on the road to recovery by requesting an appointment with us today!