Private health insurance helps cover the cost of your health care. With it, you can claim a sum of money (known as a benefit) from your health fund. That money helps cover the cost of your treatment.
Chiropractic healthcare is popular in Australia, due largely to a good reputation for treating back pain, neck pain, and more. However did you realise that most health insurance policies now allow you to you and your family members to claim treatment from a recognised chiropractor on your health insurance?
Let’s take a more detailed look.
What is chiropractic therapy, and what does it treat?
A chiropractor treats patients by manipulating the spine and joints to address musculoskeletal problems. Treatment can involve manipulation (by hand or instrument), adjusting the body’s position, and much more. One chiropractor describes spinal manipulation treatment as ‘a therapeutic intervention performed on vertebral joints in the spinal column to alleviate pain’.
That’s one of the key aims of chiropractic treatment: to decrease pain and discomfort. One in 5 Australians deal with persistent pain, so any therapy designed to reduce such pain may dramatically improve their quality of life.
According to BetterHealth.vic.gov.au, chiropractic therapy can treat the following:.
- back injuries and pain.
- headaches and migraines.
- joints issues (e.g. knees, shoulders, extremities).
- period pain/cramps.
- posture issues.
- sciatica (i.e. shooting pains in the leg).
There is research that shows that chiropractic treatment is well placed to treat pain. However, it must be carried out by a professional for it to be effective and safe, and therapies should be restricted to those based on evidence.
Simply put, you should seek out a chiropractor with a good reputation.
When do you need to see a chiropractor?
If you’re finding you have a persistent health issue, see your GP and ask for advice. And then, explore your options from there. You do not need a referral to see a Chiropractor.
How can I claim Chiropractic Treatment on my Health Insurance?
To claim for Chiropractor treatment, you’ll also need an EXTRAS COVER policy that includes chiropractic cover, as it is not covered under the Medicare Benefits Scheme.
Extras Cover not only covers your for chiropractic, but other popular health services like physiotherapy, massage and osteopathy are usually all covered together.
Extras insurance, also known as general treatment cover or ancillary cover, helps cover the cost of everyday health care services that Medicare doesn’t generally doesn’t pay a benefit towards. These are things like a visit to the dentist, optometrist or physio.
|Medibank Private||Up to $200 annually|
|BUPA||Up to $700/person and $1400/membership (all annually)|
|HCF||Up to $375 annually|
|NIB||Up to $300 annually|
|HBF||Up to $550 annually|
|Australian Unity||Up to $500 annually|
|GMHBA Limited||Up to $350/person annually –$700/family annually|
Fund of Australia
|Up to $1300 in 3 years|
|Health.com.au||Up to $350 annually|
|GUA Health Limited||Up to $500 on year 3|
If you had a quick look through our website, you’ll see that this type of cover can be pretty good value. Many policies (as of 2017) have waiting periods of only two months before you can start claiming on chiropractic treatment benefits.
( Remember that these waiting periods will differ from product to product.).
Additionally, Aussies can claim several hundred dollars worth of treatment per year (again, this depends on the policy). Read your policy carefully though, as some Health Funds pool complementary health benefits together into one “group limit”. Therefore as an example, you can only claim $200 in total for physiotherapy, chiropractic, acupuncture, and remedial massage.