Posts From October, 2018

Will Insurance Cover Chiropractic Services?

If you’re in need of chiropractic services, one of your first major questions may be about payment. Will you have to cover all of your chiropractic visits yourself, or does your insurance policy cover some or all of the costs? Of course, it’s hard to give specific information about chiropractic coverage because each insurance policy is a little different, but overall, at least some of the cost of your chiropractic services should be covered.31

Why Does Coverage Vary?

Every insurance policy treats surgeries, hospital stays, prescriptions, and other medical costs differently, and chiropractic services are no different. However, they are often under a little more scrutiny because some insurance policies consider them to fall under the umbrella of Complementary and Alternative Medicine. CAM coverage can differ wildly from policy to policy. Some may not want to cover it at all, while other policies may fully pay for your visits to the chiropractor.

To determine how much your insurance will pay, you’ll need to either work with your chiropractor’s office or contact your insurance company directly. In addition to insurance, programs such as Medicare and Medicaid may also cover some or all of the costs of visiting a chiropractor.

Other Coverage

In addition to insurance and Medicare/Medicaid coverage, there are a number of other programs that will pay for some or all of your chiropractic services. Those who are in the military can receive chiropractic care at a number of different military bases, while veterans can make use of the chiropractic services offered at many VA medical facilities.

For those who are injured at work, workers’ compensation programs cover chiropractic care. While this once varied from state to state, today, all 50 states include chiropractic services in their worker’s comp laws.

In addition to receiving coverage for your chiropractic services, the IRS also allows you to deduct this expense as a medical deduction. This means even if you do have to pay some of your chiropractic costs, you may be able to lower your tax bill by including the cost as an itemized deduction.

Need a Chiropractor?

If you’re in need of chiropractic services in New York, Maximum Orthopedics is here to help. Contact us today to schedule an appointment.

  • Posted on: Oct 31 2018
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Do I Qualify for Permanent Disability?

If you’re in an accident, the worst-case scenario for many people is to be so injured that they can no longer work or even handle many of the day-to-day aspects of living. If you’ve been injured and have been told that you will be permanently disabled, you may next be shocked to find your disability application denied. Unfortunately, it can be possible to be disabled in an auto accident or other type of incident and be denied, all because you don’t meet one of the following conditions of being permanently disabled.

The Social Security Administration’s Requirements

According to the Social Security Administration (SSA), it’s not enough to simply have your doctor state that you are disabled and back it up with medical proof. First, you have to actually have a certain number of working credits. This means you have to have worked enough to qualify for disability. If you’ve been working for years, that shouldn’t be a problem. If you’re a young person who becomes disabled, however, you may not qualify for SSA disability.

Medical Qualifications

In addition to your work history, you also have to have a condition that is on the SSA’s official list of impairments. If your condition is not on the list, it doesn’t mean you’re automatically disqualified. Instead, the SSA will have to assess your condition and how much it limits your abilities. This means more paperwork, and it’s going to take longer to process your application.

Another qualification is that your condition has to be classified as “severe” and must last for at least another 12 months or result in death. Partial disability or short-term disability does not qualify.

Work Qualifications

Finally, there are two different work qualifications you have to meet. First, your condition has to prevent you from working the job you previously held before you were injured. If it’s determined that you can still do that job or a job in your particular field, you may be denied.

Another work-related qualification is the ability to work at all. If the SSA determines that you simply cannot do any work in any job, you will qualify for disability. They do look at more than your medical condition here. Your age, education, work experience, education, and skills will all factor into this assessment.

Are You Injured?

If you’ve been injured and are seeking medical aid in determining if you are disabled or not, the team at Maximum Orthopedics can help. Contact us today for more information.

  • Posted on: Oct 18 2018
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