Personal health insurance is not *total coverage*, but your HSA or FSA card through your employer is total coverage for your care. How? Insurance companies say they cover your chiropractic costs, but they only cover it up to a certain point, and often under administrative scrutiny to maximize their own profits, and reduce their own costs, they will try to cut your insurance coverage for services like chiropractic care.
Fortunately, you might have an HSA card in your wallet with a Visa or Mastercard logo on it that acts just like a debit card. You can't use it at any old place, but you can use it to cover your costs at a chiropractic office. You use it just like a credit card. Any chiropractic office can accept it. We accept it. We've never had a problem with it.
Sometimes the HSA requires a detailed receipt to be submitted to them to prove what you did at the chiropractic office is covered service, and it was a legit charge. All the stuff we do in this office is covered by your HSA. Upon request, we can provide you with a "superbill" that shows the procedures and diagnostic codes for every encounter. It will match up with what you got charged.
An HSA is a type of "consumer directed healthcare plan." These plans were developed as a way for you, the healthcare consumer, to make your own decisions, and take the decision making process away from the insurance companies. The goal is to allow you to make a more active role in your own health.
Want to do chiropractic care instead of another pain killer? You can use your HSA as your own self-directed care. You generally know what's better for you than your insurance company.
The Patient Protection and Affordable Healthcare Act (PPACA) played a big role in making HSA accounts more widespread. This is Obamacare. Consumer directed plans are a just a part of Obamacare, and they are sometimes only eligible to fill the gap in your high deductible insurance plan.
Obviously, health savings accounts help you make your own decisions for your healthcare. They make it easier for you to come see the chiropractor without the hassle of getting the insurance companies involved. This is a more direct transaction for your care in our office. Using a health savings account allows us to get paid directly without the hassle of pre-qualifying our services for your care. Using your health seems to count in our office also allows us to provide care to you that is less costly than what it costs us to process payments to insurance companies.
You might be wondering if we take your HSA or FSA cards as payment for chiropractic care (in Petaluma.) The answer is...
Service Type: Chiropractor, HSA cards, FSA cards