As a Redmond – based chiropractor, we get a lot of patients from our excellent neighbor, Microsoft. And one of the most common things we are asked is whether, and how, we work with Microsoft medical insurance plans. So we created a quick FAQ for those of you in this category.
Microsoft insurance and chiropractic care: Redmond chiropractor explains what you need to know.
Call the insurance company before you visit
As much as we try to stay on top of the latest insurance changes, first and foremost, we are doctors. So the benefits teams at the insurance company will always know best what you are, and are not, covered for. In general, chiropractic is covered, but the number of visits per year you are entitled to varies even among Microsoft employees. So please do use that little phone number on the back of your insurance card and call to find out what YOUR plan covers.
In addition, pre-authorization is usually required for treatments like physical therapy or imaging at your chiropractor’s office. Make sure to tell your chiropractor if pre-authorization is required by your plan.
After an accident, come in right away
If you are in a car wreck, the most important thing is to come in and be seen right away. Insurance companies are much more likely to reimburse and cover treatment for the injuries if they are documented close to the date of the accident. In contrast, once the injury is several months old, it can be very difficult to secure reimbursement, even when it is related to the accident.
This is just as true for personal injuries and work-related injures as it is for car accidents. So if you get hurt and you have Microsoft insurance, delay may very well reduce the likelihood of reimbursement. Don’t wait. Just come on in and get checked.
Know your deductible
The deductible is the amount of money you must pay prior to your insurance covering any services. If you haven’t met your deductible yet, even covered services may not kick in until it’s been used up.
That’s why it is key to know not only how much of a deductible you have, but if you have met it yet. Please note that even for those with Microsoft insurance, the deductible can range greatly based on individual plans.
Speak to a case manager
After a car accident, the insurance company should assign you a case manager, who will have access to all the details related to your case and allowable care expenses. Make sure to ask your case manager if you have personal injury protection on your policy. Those with policies that include personal injury protection may typically come in for the necessary treatments to a chiropractor, medical doctor, and massage therapist with no out of pocket expense.
These are some of the most commonly asked-about insurance issues and what you can do to secure reimbursement. If you have a question that we haven’t covered please call us and we will be happy to help you.