The culture of Western medicine dominates the healthcare industry in America. The industry’s leaders are hospitals and doctors. Health insurance is a way to cover them. One reason why chiropractic care isn’t often covered by insurance is because of the long history of discrimination against chiropractors by doctors.
Numerous research studies have proven that chiropractic care is effective and more affordable than traditional Western medicine in treating low back pain and other common conditions. By focusing on prevention as well as treatment, chiropractic lowers healthcare costs.
It is not surprising that insurance companies refuse to cover chiropractic care, which is both cost-effective and beneficial. Research has consistently shown that people who see a chiropractor regularly are more healthy and spend less on their health care.
Chiropractic Care and Consumers
It is not surprising that chiropractic care is so popular with consumers. People prefer to visit a chiropractor because they can see the tangible benefits of the care they receive. Others are frustrated with Western medicine and the healthcare system and seek out chiropractic care.
Both clinical research and patient testimony prove that chiropractic care is beneficial for consumers. They may not be able to afford chiropractic care due to the fact that it is often excluded from their healthcare insurance policies.
Health Savings Accounts allow consumers to afford chiropractic care even if it is not covered by their insurance. A Health Savings account allows them to pay for chiropractic care or other alternative medicine using pre-tax dollars.
Chiropractic care is more affordable when chiropractors keep their prices as low as possible. However, they can only absorb a portion of the costs of providing care. A Health Savings Account is another way that chiropractors can help their clients get chiropractic care.
Health Savings Accounts & Consumer Choice
Combining a Health Savings Account with a High-Deductible Health Insurance Plan is meant to encourage people to be thoughtful and wise consumers of healthcare. As the individual spends more on healthcare, she will be more careful about how it is spent.
The consumer has more control over how their healthcare dollars will be spent with Health Savings Accounts. The HSA can only be used for approved medical expenses. However, there are very few restrictions as to what type of healthcare you can choose. An HSA can save patients money on medical expenses.
Traditional insurance policies have gatekeepers and controls. Although chiropractic care is usually covered by individual plans, the person who requests chiropractic care might need to see their gatekeeper or family physician and request a referral. Some doctors may not refer to chiropractors. There may be limitations on the types and number of chiropractic treatments that you can receive if your health insurance covers it.
You, the customer, have more options when you use a Health Savings Account for chiropractic care. You have the option to choose which type of treatment you want, where and how many. HSA money can also be used to preventive care. The government will even give you a tax deduction in order to keep your family healthy.