What happens when a patient shows you their car insurance card to pay for your services?

More often than not, this is one of the accepted forms of insurance to pay for chiropractic care services. About 87% of private insurance companies include chiropractic care as part of their medical coverage included in automotive policy. But here’s what to look out for when something isn’t covered.

Typically, maintenance and wellness treatment plans aren’t covered by car insurance. It’s still worth double-checking as this isn’t always the case for every automotive policy. In addition to car insurance, U.S. military are eligible to use their government insurance for chiropractic care at over 120 federal bases and medical facilities.

Some of the most common insurance providers that cover chiropractic care include:

• Aetna
• AVmed
• Blue Cross Blue Shield
• Cigna
• Humana
• UnitedHealthCare

Most insurance policies will cover 50% to 100% of your care plans, so you can expect insurance companies to be the primary source of incoming revenue. You may also find some patients without insurance who are willing to pay up to $200 per visit depending on the service and type of treatment needed.

Here are other factors insurance companies look at when providing coverage for services:

• Clinic location
• Tests and services
• Type of technology

In the event you’re working with underinsured or patients without insurance, you may want to discuss potential finance or payment plans with them.