Redmond chiropractor explains: Microsoft insurance coverage and reimbursement
Microsoft insurance and chiropractic care
Redmond chiropractor, Dr. Ben Greenwade, explains what you need to know.
A lot of of our Redmond - area clients ask us about insurance coverage, especially Microsoft insurance, for chiropractic care. So we created a quick FAQ for those of you in this category.
Call the insurance company before you visit the chiropractor
Insurance can be confusing. 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, see the doctor 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.
Check your insurance 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.
Ask a case manager at the insurance company about chiropractic coverage
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.
We are located just up the road from Microsoft's Redmond campus, so we get lots of questions about Microsoft insurance.
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.