Truth or Myth: Do I Have to Visit the Chiropractor Forver

Truth or Myth: Do I Have to Visit the Chiropractor Forever

When I am out in public meeting people for the first time, one of the common responses to my profession is “Well, I don’t go to a chiropractor because once I go I have to go the rest of my life,” or “I don’t want to get addicted”. Will you get addicted or have to visit a chiropractor forever? I’ll dive deeper into the topic for this blog post.

Before we get started, it’s important to step back from the context of what people are saying and really dissect these aforementioned comments. I would agree that before I began to really value my life and truly live healthily I thought these same thoughts. However, I have shifted my mindset to living more proactively, so comments like these don’t make any sense to me.

For example, people say they do not want to get addicted to chiropractic but if we look at the rest of their life we will find other addictions or things they do regularly. The goal of chiropractic is to empower individuals to make the healthiest decisions for their bodies and minds. This proactive way of living leads to a higher quality of life, so inevitably, many people desire for the best weakness, which includes chiropractic care. Therefore, these individuals are taking a strong interest in their health rather than developing an “addiction”.

Should we wait until we have problems before caring for things, which is the common U.S. American way of thinking, or should we be proactive and continually take measures to live proactively?

Some people associate chiropractic with medical doctors thinking that we need to go when there is a problem. Chiropractic is about living proactively to eating healthy, working out, and getting massages. These actions are positive for a persons life where taking medicine to treat or mask symptoms is a negative. This is because, in fact, medicine ends up making people’s body sicker as years progress while chiropractic makes the body healthier and stronger as years move along.

Look at your life, and note the positive and negative things you spend time doing. Make two columns, and begin to figure out ways to convert the negatives into positives.

As an example, here is what my list looks like:

Positive

  • Workout
  • Get adjusted
  • Take supplements
  • Acupuncture checkups
  • Take restful vacations
  • Meditate

Negative

  • Not enough time with friends
  • Too much time wasted on internet on weekends

Reflecting on my list, I want to change those negatives into positives by hanging out with friends and having valuable relationships. Further, I want to read and write more blog posts instead of wasting my time on the internet. I wrote an article in 2012 called “I am an addict”, which I encourage you to read.

So What’s the Goal?

The goal in our office is not to see you three times a week or even twice a week for the rest of your life but instead:

  1. Correct your spine
  2. Maintain the spine with whatever frequency you need based on your age, lifestyle, and spinal structure

Remember one key point, when God created you, he created only one of you. You have one life in this amazing body with friends, family, and other people who love you. Do you want to do everything possible to maximize this life and make it your greatest while feeling and looking your best possible self? We are here to help you accomplish this goal. Please feel free to contact our office or comment below, we always love hearing from those in our community!

Do Chiropractors Take Insurance

When it comes to dealing with insurance companies, many people have misconceptions about what they cover. A common misunderstanding is that insurance cards can be used like credit cards to pay for all health related expenses. This, unfortunately, is not true. In this article I will dig deeper into one of the top 3 questions that all chiropractors hear from patients…”Do Chiropractors Take Insurance?”

Proactive vs. Reactive Coverage

I wish I could say that insurance paid for proactive living, such as gym memberships, supplements, mobile thermography, organic food, massage therapy, acupuncture, or any other procedure that would be deemed proactive. I honestly believe our country would be a wealthier place not only from the financial side but as well as the happier side if insurance covered those procedures.

Currently, insurance will pay for medical procedures including drugs, early detection tests, shots, or surgery. However, most of the time, these courses of action can be prevented by maintaining a healthy lifestyle. It is not coincidental that people who eat paleolithic diet, workout in short bursts of 15 minutes, get adjusted as part of a lifestyle, regularly get 6-8 hours of sleep each night, and are passionate about their lives rarely get sick or see medical doctors. People who take these healthy measures are actually utilizing “healthcare”, whereas insurance companies cover what I call “sick-care”. It is not because they do not believe in the medical doctor, but they have the similar viewpoint as me and understand we live in a sick-care world.

I am concerned about the motivations behind the astronomical spending on “sick care”. There is big money in these procedures, and many big businesses will not thrive by paying for preventive care or TRUE healthcare.

So, Do Chiropractors Take Insurance?

By now you are wondering when I’ll cover your question, here it comes. If someone is coming to a chiropractic office for maintenance care, or preventative care, then they must pay out of pocket. Insurance will only cover chiropractic if the person is experiencing pain or limited functioning (i.e for medical necessity). Too often, many insurance companies will constantly review chiropractors’ notes to see if clients are going for preventative or reactive care. From my experience, they are more likely to cover reactive care versus preventative.

If you have been to a corrective chiropractor then you know pain is only a small percentage of the issue, and the PROBLEM is where we want to focus. For example, if front view of the spine is twisted, and the curves on the side view are lost then, we know there is a structural problem. Unfortunately, many insurance companies will only cover care once there is PAIN but NOT necessarily when there is a problem, which is why they limit the number of visits a person can utilize per year at a chiropractic office. At my office in Atlanta we specialize in corrective chiropractic care, 10-20 visits in a years period will simply scratch the surface of the work we need to achieve optimal results for our patients.

In a future blog post I will discuss the different phases of care to help explain why it takes time with proactive care.

Become Proactive, Stop Waiting For Reactive Care

A person who is overweight and pre-diabetic wants to live a healthier lifestyle. The insurance company will not pay for functional nutrition counseling, healthy food, gym memberships, or other resources to lose weight before becoming diabetic. However, once this individual becomes diabetic, insurance kicks in to gear and pays for all medicine and other garbage techniques used to keep Type II diabetes which ironically is almost 100% reversible. Further, if this person has heart problems the insurance company will not pay for fish oil, personal trainers, or other supplements, but they will be happy to pay for statin or blood pressure drugs, which run in the hundreds of dollars for people without insurance.

If we want to get serious about our health, then we must become proactive and realize ALL the possible things we can do to maintain a healthy life; they are investments in our futures. Insurance may not cover these procedures, BUT they are the tools that will keep us from using those plastic insurance cards with poor benefits. As deductibles continually skyrocket, co-pays increase, and premiums grow at exponential rates, the best advice I can give anyone is to look at proactive care as deposits in one’s health bank account. A person’s goal should be to NOT use the insurance card, as it is only good for when procedures are medically necessary.

Final Thoughts

I hope this article helps you better understand insurance companies relationship towards proactive care and why chiropractors do take insurance, but only when reactive. I tell all my patients that we need to begin working with the body rather than against it to ensure it is functioning at its optimum level. If you believe the same, please feel free to share this article and/or post a comment with your story below.

Best Way to Pay for Chiropractic Care

When most people seek chiropractic care they are usually expecting one adjustment to immediately correct their bodies. This reactive thinking has gotten our culture into a lot of trouble. In order for us to create massive change and make an impact, chiropractic care, like anything, takes time for lasting results. Whether it is building a business, getting more musculature, losing weight, reducing inflammation in the body, getting into a relationship, or becoming a master of an art, all processes require time.

With that said, it is everyone’s goal to maximize their hard earned money. It’s no coincidence that some of the more common questions we receive in the office are relating to saving money and the best way to pay for chiropractic care.

Best Payment Method

You can apply for a tax free program called a Health Savings Account (HSA). The people who qualify for these accounts have a minimum deductible of $1,250 and a maximum out of pocket of $6,250. If you do not know these two numbers for your insurance plan, then be sure to know them before applying for this tax savings account.

If qualify for care then your next step is to find a bank that has an HSA program.

The maximum amount in 2013 an individual can contribute to the account is $3,250, and $6,450 for a family. If you put $3,000 in the account and only use $2,000 that year, then the $1,000 difference stays in the account for following years because it never expires unlike, Flexible Spending Accounts. Another benefit to creating an account is you own the HSA, so if you find a new job or switch companies, the HSA will always be there.

If your company does not have HSA’s, I strongly recommend setting up an account and using it for your chiropractic services and other healthcare expenses. Whether you are paying monthly or up front for services, the most cost effective decision is to use an HSA card.

Best Way to Pay For Chiropractic Care

The chart to the right is taken from Wells Fargo’s HSA page and demonstrates how much money you could potentially save if you contributed $3,000 year to your account and used $500 in qualified medical expenses; your savings per year would be $2,500. With an annual return of 6%, this is what the account would look like after 5, 10, 15, and 20 years assuming a 28% federal tax bracket.

Final Thoughts

I hope that you find this suggestion for, what I believe to be, the best payment method for chiropractic care helpful. Please leave a comment below if you have any questions or if you’re already using an HSA account to pay for your care!