chiropractic health plan

Read and learn more about chiropractic health plan. For more, visit the Chiropractic website ChiropracticHealthiness.com

Q: What is the best health insurance for someone who wants good chiropractic coverage?
I am shopping for health insurance for my family (my husband, myself, and our baby). I believe that chiropractic care is an important part of wellness, but I’m having a hard time finding a program that sufficiently covers chiropractic work. Any suggestions? Anyone have an insurance plan that has great chiropractic coverage?

A: health-quotes.isgreat.org – here is my health insurance plan. As I remember they can provide such a service.

Q: Pres. Obama’s Universal Health Plan – How can we tell what will be covered?
I am for the Universal Health Plan, and agree there should be a more comprehensive health care system. But I dont’ think the plan was formulate to just ‘give’ everyone health care. I think the focus of it is to allow more people to be covered by health insurance companies – like a medical insurance umbrella.
If President Obama is stepping in and forcing insuring companies to cover more people – will he also tell the insurance companies what to cover? For example – currently, chiropractic services are usually not covered under most health insurance plans. Will it be covered now? Where do I find the actual text of the bill?

A: First of all, Obama wants to make insurance more available to all. And change the system so that it is cheaper, and also so that the insurance companies find it harder to get out of paying for treatment. The system he is proposing looks similar to that which works in Holland and Switzerland where private companies are involved in providing insurance. For more information, see how the people there like it. Hint, Switzerland has not moved from it.

Second, of course universal health-cover sucks. That is why we in Western Europe have it. We think, hmm, our healthcare system sucks. I know, lets keep it. I guess that is the same with Japan and Canada as well.

FACT – the USA spends more on healthcare PER PERSON than any other nation on the planet.

FACT – the US has higher death rates for kids aged under five than western European countries with universal health coverage.

That means that a dead American four year old would have had a better chance of life if they were born in Canada, France, Cuba, Germany, Japan etc, all of which have universal health coverage.

Q: Would you like to have a Discount Health Plan for your entire household for $59.95/mo.?
No waiting period,
No pre-authorization for treatment,
No exclusions on lab procedures,
No paperwork,
Instant savings,
All specialist included,
All ongoing medical problems accepted,
Cosmetic surgery included,
Mental health sevices included,
Ancillary services included,
No age limit,You can change physicians whenever you want.
Membership Fee Quaranteed For Two Years.

$49.95/mo. for individual membership.
$59.95/mo. for your entire household.

Includes medical, dental, vision, prescription and chiropractic.

Save up to 50% or more.

For more details please respond to this question and I will gladly answer any unanswered questions you may have.

This plan is designed for people without any medical, dental, vision, prescription or chiropractic coverage and Remember, this is NOT INSURANCE. This is a Discount Medical Plan. You simply present your plastic card to your provider and pay up front their discounted fee.

A: Interested-just not looking to get scammed.

Q: What is a good short term health insurance plan just for office visits and prescription medicine?
so far i found this. Would it be good for me? i just want office visits and prescription medicine. Since in a few months im going to be covered by my employer. So i just need temporary insurance.
Deductible
Individual:$750
Coinsurance

20% after deductible
Out-of-Pocket Limit

Individual:$2,500
Includes deductible
Office Visit

Primary Doctor

$40 Copay, PCP, SP and severe mental health combined 6 visits max per year
Specialist

$40 Copay, PCP, SP and severe mental health combined 6 visits max per year
Periodic Health Exam

Not Covered
Periodic OB-GYN Exam

Not Covered
Well Baby Care

Not Covered
Chiropractic

Not Covered
Mental Health

$40 Copay, PCP, SP and severe mental health combined 6 visits max per year; nonsevere not covered
Prescription Drugs

Generic

$15 Copay
Brand

$35 Copay
Non-Formulary

$50 Copay
Separate Rx Deductible

$250 Individual
Mail Order

Not Available
Outpatient Lab/X-Ray

20% Coinsurance after deductible
Emergency Room

A: You’re looking at the benefits. Consider how inexpensive most short term plans are too. Most people buy short term health without the intent of using but just in case something major happens. If you intended to make claims, the cost would be much higher (insurance is for unforeseen risks, not known risks).

Buying a short term plan for $200 a month that covers weekly chiropractic visits ain’t going to happen.

Good luck and remember that it’s only temporary.

Q: Does Health Net give reimbersements for chiropractics to their members?
Example if I go to a Chiropractic who doesn’t deal with insurance so I pay for it from my pocket and I have the option on my plan will they pay me back?

A: My adivce would be to use your insurance and have the office call for you before any treatment is done to see if they are in net work with your insurance and what your benefits for chiro are.. Usualy 12 to 20 visits a year and a small co-pay some time none depending on the plan.. Good Luck and thank you for choosing chiropractic care..

Q: Is anyone in the US interested in affordable health benifits?
very affordable health benifits, medical-chiropractic-dental-vision.. family plan for $60/month .. individual for $40/month

onyl dental-vision-chiropractic… family $20/month .. individual for $10/month
if interested email me at, htek_rulez@yahoo.com

A: ok

Q: Will Obama’s health care changes include coverage for alternative medicine? (e.g. chiropractic, acupuncture)?
I’ve been following this in the news, and I’m curious if these changes will mean alternative medicine covered for everyone, and how much (regardless of your opinion of alternative medicine, I just want to know if this is a part of the plan.)

A: I couldn’t find anything that either mandates nor prohibits alternative medicine from coverage. Most likely, some plans would cover it, some wouldn’t. Congress is discussing the possibility of having several plans partly because some people object to paying to cover certain things (like abortion), so perhaps you could get a plan that specifically does or does not cover alternatives from a public option or from a private plan.

Section 115 grants power to the Commissioner to require certain types of coverage, but the odds of alternative medicine being required are very slim. It’s intended to stop the practice of denying that certain common procedures are routine, which many insurance companies use to deny otherwise covered procedures.

http://thomas.loc.gov/cgi-bin/query/F?c111:1:./temp/~c111szCAVg:e32728:

The primary list of things that have to be covered is in Section 122(b). There are other items randomly scattered throughout, but the primary list is:
(1) Hospitalization.
(2) Outpatient hospital and outpatient clinic services, including emergency department services.
(3) Professional services of physicians and other health professionals.
(4) Such services, equipment, and supplies incident to the services of a physician’s or a health professional’s delivery of care in institutional settings, physician offices, patients’ homes or place of residence, or other settings, as appropriate.
(5) Prescription drugs.
(6) Rehabilitative and habilitative services.
(7) Mental health and substance use disorder services.
(8) Preventive services, including those services recommended with a grade of A or B by the Task Force on Clinical Preventive Services and those vaccines recommended for use by the Director of the Centers for Disease Control and Prevention.
(9) Maternity care.
(10) Well baby and well child care and oral health, vision, and hearing services, equipment, and supplies at least for children under 21 years of age.

http://thomas.loc.gov/cgi-bin/query/F?c111:1:./temp/~c111jF8Rua:e36129:

There are also enhanced and premium plans. There’s no set requirement of what would be included in those plans, but the value is required to match the higher price according to certain standards. It’s likely that some qualifying plans would include alternatives while most basic plans would not.

All qualifying plans would be listed on an exchange where you can buy them at an open market competitive price.

Q: What exactly does “referral required” mean in health insurance.?
We’re looking to switch health insurance carriers due to the fact that our current plan’s premiums increased by 1/3 over last year’s premiums. Ouch!!

Anyway. . .we have never had to deal with referrals before and I’m not sure what that means. I know it has to come from our primary care physician, but does it mean we won’t have the choice of who to see, or where to go, for the particular need that requires the referral (i.e.radiology, chiropractic, outpatient lab, etc.)? Or is it just a matter of getting “permission” from the primary care doc to get the tests or see the specialists?

Thanks!

A: For certain medical visits to a ’specialist’ a referral is required by many insurance companies. This facilitates billing and ensures that claims are a covered medical expense. As for a choice, it would depend if the doctor you wish to see accepts the particular insurance you have. this is what is known as a ‘par-provider’ (participating provider). If they accept your insurance then everything typically goes very smoothly.

Q: ASI vs AmeriPlan??? work at home opportunity…?
I need some feed back from anybody that has work with any of this company’s…I need to know how much I have to invest on each, how much time, what benefits i get, which one has a better health, vision, chiropractic etc, etc plan. If u have work with any of this company’s please let me know all the ups and downs. Thank u so much for your information..

A: Get onto a Search Engine eg. http://yahoo.com and type in the search text box (Note use double quotes) “is (such and such URL) a scam”. If you get some results, click on a few of them to see what people are saying about the business. If a lot of the comments are bad then it is a warning sign to stay away from that work at home site.
Remember
1. Some people are very petty, so you must consider the statements made before listing the company as bad.
2. Some do not read the fine print when signing up or do not fully understand the concept therefore when a problem arises they complain loud and long.
3. Many of these companies have hundred of thousands of clients but have only a few complaints.
4. Make considered judgements.

Always check on line jobs with these URLs and any other data bases of this type or Home Business forums before even considering any on line job:-
The first data base has the basic information that any prospective employee or entrepreneur should know
http://suckerswanted.blogspot.com
http://www.escrow-fraud.com/search.php?

http://scam.com

I looked for ages for a legitimate on line opportunity and have had lots of success with these two URLs…..it did not cost me anything to look. …. I wish you every success

http://www.ezinfocenter.com/10027542/iah…

http://www.ezinfocenter.com/10027542/FREE

Q: How do I find out a specific health insurance for companies I want to apply to for a job?
I’m trying to figure out how to search for companies that have a specific carrier for their health care plan that has the coverage that I’m looking for, ie: naturopathic and chiropractic care. These companies I would then target in my job search to move out of my current employment. The specific carrier is Anthem BC/BS and I used to have that insurance until my employer pulled it’s cheap strings and changed to Aetna that doesn’t cover anything that I use for my health preventive and acute care. No my employer isn’t poor it’s actually one of the richest “nonprofit” higher education institutions and is always looking for ways to keep money in the higher ranks pockets than give good quality healthcare to their employees. I was content to remain here until this benefit move and can not afford the out of pocket to see my health care providers on a more regular basis. Now it’s just when I can’t move or very ill.

A: You don’t find out until after you have the job offer.

It’s private information.

You can’t get a report of companies that have XYZ carrier, and even if you could, they could be one of several different plans.

Sorry. You’ll have to get the job offer first, THEN ask about the insurance coverage.

Q: Question about Chiropractic?
1. What is the theory/beleif behind this method?

2. What is the origin of the method?

3. Which cultures practice the method?

4. Is the method used to prevent or treat illnesses? Explain and provide and example

5. Is the method practiced in Canada?

6. Is the method covered under the Ontario Health Insurance Plan?

7. Does the Ontario College of Physicians approve or disapprive of the method?

Thank you. You can answer as much or as little as you want

A: 1. That ailments are caused by subluxation (displacement) of the vertebrae, pinching nerves. This is the position of “straight” chiropractic. Other chiropractors allow for other causes and treatments.

5,. Yes

Q: Has anyone used acupuncture to help them gain muscle?
My insurance plan includes visits to an acupuncturist OR a chiropractor. I’d like to take advantage of it to help me with my training goals. I know chiropractic’s good for back health, but I’m wondering if acupuncture has a benefit for people trying to gain muscle.

A: i don’t think it is going to have any affect on muscle gain if anything i think it would decrees it but i sure would take advantage of the chiropractor while training

Q: Need health benefits and Dental?
Ameriplan offers great coverage on health and dental benefits. With the dental benefits, vision and chiropractic are included! These plans are saving families all over, lots of money each year. Check out the website below for more details, and then if you are interested please contact me.

http://www.EveryoneBenefits.com/40661276

A: Thanks for the info ……….

Q: Health Insurance… Is this a good one since NASE isn’t?
I recenlty asked a question regarding our health insurance and was adviced against who were currently using… which I had already figured it wasn’t a good one, and appreciated the confirmation.

I spoke with a rep over the phone, seems so easy and fast, and he represented different places, I think it was ehealthinsurance.com and filled out their survey. A rep called me and he recommended the following. Is this one a good one?

$299.00 per month (one time enrollment fee of $120.00) Rate guarentteed for 3 years. Month to month plan – no long-term contract.

US LIFE and AETNA

$35.00 doctor visit
Perscription $10 copay for generic and $50 for name brand
No deductable for prescriptions

Lab and diagnostic imaging… 80% covered, no deductable.

Requires a health check and physical paid for 100%

Hospital and ER $100 deductable, cover up to $3 million

Dental, vision and chiropractic care with AETNA… Covers orthodentic at 70% – no waiting period. (specific drs for

A: Yes, you definitely do not want to choose a NASE plan (they are associated with MEGA life who has a long history of high consumer complaints).

Choose a comprehensive major medical plan from a well known company like Aetna, United Healthcare, Blue Cross, Humana, etc.

Here is some more information on choosing the best health insurance company:

Q: Self-Employed? Does anyone realize that can deduct 100% of all medical expenses using line 14 on a Schedule C?
If you are self-employed and use a Schedule C, then you may ADD up ALL you medical expenses (chiropractic , dentist , optometry , health insurance premiums, any indemnity plans (AFLAC, Family Heritage, etc. premiums), your co-pays, deductibles, prescriptions drugs, and over the counter if you put the date and what it was specifically used for. EXAMPLE.
Say you have 4000/yr in premiums, your deductible was 7500, your co-pays were 20 per time. Your prescriptions were 750 and 175 in overthecounter meds. SO 4000 + 7500 + 200 in co-pays + 925 in prescription and overthecounter meds + 1800 in AFLAC + 20,000 dental bill + 600 in chiropractic bills = 35,025 ou now take what sales % tx bracket you’re in + your state taxes % if any + 15.3% of SS taxes you owe since you’re self employed. Say you live in AR
15% + 7.5% +15.3% = 37.8% x 35,025 =
13,239.45 IN TAX WRITE OFFS..If you use Schedule F – line 17 It’s called an Association 105, it’s legal, by the IRS since the 50’s – ask your CPA

A: I am a tax CPA and the only med exp we deduct on the Sch C is the health insurance premium, the rest goes on sched A. Maybe there is a loophole that my 15 co-workers and I have heard of.

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