Independence Blue Cross PPO Insurance/ IBX Health Insurance Plans
Independence Blue Cross’s IBX PPO health insurance plan provides coverage for chiropractic visits and treatments. Chiropractic care is a form of alternative healthcare that focuses on the spine and its extremities. A chiropractic exam will involve a diagnosis, treatment, and prevention of disorders of the musculoskeletal system.
Under the IBX PPO health insurance plan, members can choose to see either an In-Network or Out-of-Network chiropractor. In-network chiropractors are those who have a contract with Independence Blue Cross and have agreed to accept negotiated rates for their services. However, Out-of-network chiropractors do not have a contract with the insurance company and may charge higher rates for their services. Independence Blue Cross PPO / IBX Insurance is the best around for chiropractic adjustments.
What plans does Independence Blue Cross/ IBX offer?
IBX offers a few plans in North Wales PA that cover chiropractic care. These plans include Personal Choice PPO and Keystone Health Plan East HMO. For example, Personal Choice offers 3 tiers, a Gold, Silver and Bronze Personal Choice PPO plan. For Keystone, there are the Gold, Silver and Bronze Proactive HMO plans. An HMO plan requires a referral from your family doctor for treatment. However, a PPO plan does not require a referral for a chiropractic adjustment. Indeed, the Personal Choice plan gives the patients more options and easier to get treatment when needed. Independence Blue Cross PPO / IBX Insurance gives you the personal choice to pick your own doctor for back pain relief.
How many chiropractic visits does my Independence Blue Cross plan cover?
The coverage for chiropractic visits and treatments under the IBX PPO plan varies depending on whether the member’s choice. Basically, their choice to see an In-Network or Out-of-Network chiropractor. In-Network chiropractors typically have lower out-of-pocket costs. As a result, our services are covered at a higher percentage by the insurance company. Members may be required to pay a copay or coinsurance for each visit, depending on their specific plan. Out-of-Network chiropractors are usually covered under the IBX PPO plan as well. Although, members may be responsible for a larger portion of the cost. We understand they may be required to pay a higher coinsurance or deductible amount before the insurance company begins to pay for the services. Members of the IBX PPO plan typically have a certain number of visits allowed per year for chiropractic care. The specific number of visits varies by plan and by state. Because of this, it’s important for members to check their specific plan to determine the number of visits covered. Any additional visits beyond the allowed number may not be covered by the insurance company. Our In-Network provider can check your coverage before your first visit to let you know your plan benefits. Some plans may cover up to 90 visits per year for chiropractic treatments.
How do I make an appointment with a Personal Choice PPO Chiropractor?
In terms of the types of treatments covered, the IBX PPO plan generally covers spinal manipulation. Obviously this is the primary treatment provided by chiropractors. However, other forms of treatment, such as massage therapy or therapeutic exercise may be covered as part of the doctor’s adjunctive procedures license. Our office will check your benefit limits, and let you know them before scheduling your appointment. Our chiropractor can help you with stretching, strengthening, and postural exercises as part of your chiropractic treatment.
In conclusion, Independence Blue Cross’s IBX PPO plan provides coverage for chiropractic visits and treatments. Also, specific coverage varies depending on whether the member chooses to see an In-Network or Out-of-Network chiropractor. Members should refer to their specific plan for more information on the coverage limits and out-of-pocket costs for chiropractic care. Our office is an In-Network IBX provider so that we can offer you the most affordable chiropractic treatment.