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Chiropractor Health Insurance

Name: Chiropractor Health Insurance
Creator: Savvy
Published: 2023-03-30T17:11:19+10:30

Compare private health insurance quotes which can cover chiropractic treatment through Savvy.

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Written by , updated on July 6th, 2023

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Anyone who has experienced severe back or neck pain knows how great the feeling can be when a chiropractor is able to relieve it, which is why having private health insurance which covers chiropractic visits can be so important.

You can compare a range of extras health insurance policies which include cover for chiropractic visits through Savvy. You'll be able to consider a range of health insurance quotes side-by-side through our simple comparison service from a panel of leading insurers. Start the process with us today.

What type of health insurance covers chiropractic visits?

Chiropractic therapy is a form of healthcare which treats musculoskeletal issues and helps to relieve pain in the back and neck. It may involve:

Spinal manipulation, sometimes called spinal adjustment
Massage
Application of heat or ice
Joint mobilisation and stretching

Chiropractic visits are usually covered by extras health insurance policies. Most extras policies will allocate annual benefit limits for several different types of treatments and services which are provided in the community, but which aren’t covered by Medicare. This means you’ll get a certain amount to spend on different types of treatments in one financial year in areas such as:

Chiropractic
Optical
Dental
Physiotherapy
Podiatry
Wellbeing services

The amount of cover you’ll receive for each type of treatment offered by an extras policy will depend on the policy you buy and the provider you buy from. Extras cover ranges from the cheapest policies offering basic cover to more expensive policies which, in turn, offer more comprehensive benefits.

How do I compare health insurance policies which cover chiropractic treatment?

Some of the questions to ask yourself when comparing different extras health care policies with chiropractic cover are:

Do the services which are covered align with your personal health needs and pre-existing conditions? Does the policy include the main healthcare services you use frequently? For example, if you visit a chiropractor every month, is chiropractic treatment sufficiently covered by the policy?
What healthcare services are covered by the policy beyond chiropractic?
What percentage of your treatment’s cost can you claim? Are you prepared to pay a little more per month to get a higher percentage of the cost refunded by your policy?
What are the benefit limits for each category of treatment? Are there lifetime limits which apply as well as yearly benefit limits?
Are there free treatments offered by affiliated healthcare providers through a particular fund? For instance, is your chiropractor affiliated with a particular health insurer?
What waiting periods may apply before you can make a claim on the policy? Will the health fund recognise any previous waiting periods you’ve already served so there are no waiting periods if you switch?
Are there any special offers or free deals on health insurance (such as waived waiting periods or free weeks of cover) on offer?
If there are special offers, such as reduced-price gym memberships or pay TV subscriptions, will you actually use such additional benefits?

By asking yourself these questions, you should be able to gain a clearer understanding of which extras policies may be more suited to your personal requirements. Savvy makes comparing health insurance policies easier by providing access to a range of quotes from our trusted panel of insurers. You can start the comparison process through us today.

Types of health insurance

Hospital cover

This can help you pay for medical treatment if you need to be admitted to hospital. It can help cover the cost of your admission or accommodation and the fees charged by doctors, surgeons and anaesthetists. It can also cover other costs associated with a stay in a private hospital.

Extras cover

This helps cover the costs of health care treatments outside a hospital setting which aren’t covered by Medicare. This can include major and minor dental treatment, orthodontics, hearing aids, physiotherapy, glasses, contact lenses and podiatry (in most cases with annual limits).

Cover for singles

This is a standard health insurance policy designed for a single person, rather than being tailored to cater to the needs of a couple or family. It may include hospital cover plus extras, or either of these types of insurance on their own, depending on what you're after for your health cover.

Cover for families

A family health insurance policy is designed for a family unit including dependent children who may reach up to 31 years of age with some insurers. It offers private health insurance suitable for the whole family and may include shared limits for all members included in your policy.

Cover for seniors

A health insurance policy aimed at seniors is designed to appeal to people who are in the second half of their life. These are often specific Silver Plus policies that offer the same cover as other health insurance policies, with the exception that pregnancy and childbirth cover may not be included.

OVHC

Visitors who are in Australia on a temporary basis for travel, work or study may be able to take out Overseas Visitors Health Cover (OVHC). Many visas issued in Australia come with a requirement to take out this type of insurance, which covers visitors who may not be covered by Medicare.

Ambulance cover

Ambulance cover is generally available either packaged into your private health insurance or on its own as a separate policy or subscription. By having this protection, you could be covered for all eligible ambulance travel in Australia (subject to your insurer's terms and conditions).

Basic hospital cover

The cheapest and most barebones form of private hospital insurance, this can include cover for rehab, in-hospital psychiatric services and palliative care. Having this policy will enable you to avoid paying the Medicare Levy Surcharge (MLS) and Lifetime Health Cover (LHC) loading.

Bronze hospital cover

Bronze hospital cover is a step up from basic insurance, including 18 further clinical categories such as ear, nose and throat, bone, joint and muscle, digestive system, joint reconstructions, gynaecology and chemotherapy, radiotherapy and immunotherapy for cancer.

Silver hospital cover

Silver hospital cover is the second-most expensive type of policy and offers the second-most clinical categories. On top of what's offered by basic and bronze cover, it also includes heart and vascular system, lung and chest, blood, hearing device implantation and dental surgery.

Gold hospital cover

The highest level of private hospital insurance available in Australia, gold policies can offer cover for pregnancy and birth, weight loss surgery, assisted reproductive services and insulin pumps on top of all the categories provided by silver, bronze and basic hospital insurance.

Why compare health insurance through Savvy?

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Frequently asked questions about health cover for chiropractic treatment

Is any of the cost of chiropractic treatment covered by Medicare?

No – you'll need an extras health insurance policy to claim back any of the cost of a visit to a chiropractor unless you have a Chronic Diseases Management Plan, which is a Medicare-funded plan assisting people to manage chronic health conditions.

Does my chiropractor have to be authorised by my health fund before they’ll pay benefits?

Some health funds do have direct arrangements with private healthcare providers, who agree to offer their services at a reduced cost to a particular health fund. However, your health fund doesn’t usually have to authorise your visit to a chiropractor.

What happens when I reach my extras benefit limit?

If you reach your benefit limit, your health fund will no longer pay any claims for that type of treatment until the policy resets to the next year, at which point your policy benefits can be reinstated. Some funds reset on calendar years, while others reset on April 1 or July 1.

Can I get extras health insurance where I choose how to spend my benefits?

There are extras policies available where you can choose how you spend your policy benefit amount. With such policies, there’s often a choice between different areas of cover such as dental, optical, physiotherapy and chiropractic treatments. Therefore, if you require more cover for chiropractic treatment than optical, you may be able to adjust your claim limits to better suit your needs. However, these aren't offered by all insurers, so compare your options if you're looking for a customisable policy.

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Helpful health insurance guides

Looking for health insurance to cover your condition or treatment?

Read one of our helpful guides on a range of different ailments and potential hospital or extras treatments to help you find out if they're covered.

Disclaimer:

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Savvy’s comparison service is provided by Compare Club. Compare Club compares selected products from a panel of trusted insurers and does not compare all products in the market.

Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

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