Update on “Free” Chiropractic Services

The post on the Geriatric Pregnancy caused a bit of a stir, huh?

Here’s a quick update on the insurance coverage issue I mentioned in previous posts - that my “copay counts towards my Out-of-Pocket (OOP) Maximum”.

I finally pinned down United Health Care on not paying (even) any copay for my chiropractic treatments since I have met my OOP for the year. So now, I don’t have to pay anything…zero….zilch…nada… woo hoo!!! Well, at least for the rest of year 2008 since I have 20 sessions allowed. 18 more to go…

UHC is “wise” though… they want the chiropractic service provider to re-file and re-assess the case (moi!) after every 7 sessions. I guess to make sure that I’m not just there for the massage… which I am there for mainly

Anyhow, it took a total of 2 calls from me and 2 calls from the service provider to establish this - the last call being at the chiropractor’s office where both the office person and I had to speak to the insurance’s 1-800 folks. For some reason, those 1-800 folks somehow end up reading the family OOP… every time … instead of my individual OOP. I’m not sure if those were honest mistakes or if they are trying to avoid paying.

Well, you just have to “know your rights”…