Chiropractic Treatment Covered by Insurance

whiplash treatment
whiplash treatment

Auto insurance and chiropractic treatment are often the next steps following a car accident.  However, navigating your way through complex policies and contingencies is frustrating when you are in pain.  While the damage to your car is a no brainer, the auto insurance company is also obligated to cover your chiropractic treatment to help you heal. The following information highlights key points to remember in order to ensure your treatment is covered.

Injuries Resulting from an Auto Accident

Depending on the severity of the accident you should always go to the nearest emergency room or urgent care unit first prior to beginning chiropractic treatment.  For less severe accidents where there are no broken bones, chiropractic care is a great alternative to help you make a full recovery.  Remember, soft tissue strains, whiplash, and other injuries are not always apparent at the time of the accident.  In certain cases, it can take days for the effects to be noticed. They may include:

  • Whiplash
  • Contusions
  • Strain of the wrist or knee
  • Headaches
  • Insomnia
  • Anxiety
  • Chronic pain (neck and back)
  • Fatigue
  • Blurred vision
  • And more…

Chiropractic Treatment for Auto Injuries

Chiropractic treatments do not necessarily treat the injury itself.  Rather, the treatment incorporates practices to treat the underlying issues to allow the body to naturally heal fully.

* Spinal Manipulation

            – Joints and vertebrae may be out of place as a result of the collision

            – Manipulations can reduce swelling, pain, and may even improve recovery times

* Massage Therapy

            – Breaks up scar tissue causing long-term pain and discomfort

            – Increases mobility and range of motion

            – Promotes circulation allowing more oxygen and healthy cells to repair the areas that need it

* Assisted Stretching/ Strength Training

            – Key part of holistic process

            – Reduces need or dependency on pain medications

            – Strengthen the muscle and tissue groups that support the spine.  Prevents further long term decline

Chiropractic treatment is also recognized as a less expensive alternative to often unnecessary and costly surgeries that can reach into the tens of thousands.  Overall, comprehensive long-term treatment and rehabilitation (12+ weeks) combined with spinal manipulations as needed can be key in avoiding any residual pain down the line.  The following information will take you through the necessary steps to avoid any mishaps with the insurance company.

Filing an Auto Insurance Claim

If you were the victim of an auto accident you deserve to have your medical expenses fully covered.  It is best to seek treatment as soon as possible after the accident so that the insurer can see this was a “reasonable” and “necessary” medical expense.  Insurers always remain vigilant regarding fraudulent claims.  Delays in treatment can be perceived as such and preclude you from receiving a full payout.  At risk is the full payout denial or your number of visits capped leaving you with the bill for long term care.  This can deny you much-needed coverage as many treatments take a number of weeks to see a significant return to the full range of motion and reduced pain.

At the Pain & Injury Clinic of Utah, we can help you every step of the way.  Our knowledgeable chiropractic clinicians and experienced staff are here to answer all your questions and get you back to living your everyday life. 

Schedule a consultation today and we’ll get you on the road to recovery.