There are two types of chiropractic care:
1) Active Care - This type of care includes pain or sympton relief, correction, and stabilization of a condition. Active care requires frequent visits that reduce in frequency as the condition improves. In addition to chiropractic adjustments, treatment or care during this phase usually requires additional services, such as physical therapy modalities (electrical stimulation, moist heat, therapeutic ultrasound, etc), massage, and therapeutic exercises. A doctor-prescribed treatment plan is necessary during this phase of care and treatment intervals are usually not longer than two weeks. Active care is the only type of care that is considered by the insurance companies to be "medically necessary" and potentially covered by any chiropractic insurance benefits.
2) Maintenance Care - Maintenance Care, known as our Wellness Visit, is meant to prevent future relapses and maintain the results achieved during the active care phase. This care requires periodic check-up visits anywhere from two weeks to three month intervals. The insurance industry considers maintenance care as "not medically necessary" and therefore does not cover these types of visits. Therefore, maintenance care or wellness visits are "cash services" (patient is financially responsible).
"Medical Necessity" is a term that insurance companies use to determine what services are covered and which services are not covered. Health insurance companies provide coverage only for health-related services that they consider "medically necessary." Any service that they do not view as medically necessary will not be covered - even if a person has chiropractic benefits.