Sick of suffering from chronic or recurring pain? With chiro cover, waving goodbye to your issues could get a whole lot easier.
If you’re suffering from chronic or persistent pain, you’re not alone. It’s estimated one in five Australians are dealing with chronic pain on a daily basis. For those over the age of 65, this statistic rises to one in three people.
In 2012, the economic cost of these chronic conditions was more than $55 billion. However, it’s not just the financial costs for the Australian healthcare system that’s a concern. There is a significant cost on the individual’s quality of life, as well as the toll it places on their families and social relationships.
To live with chronic pain is not pleasant and many sufferers face decreased enjoyment of normal day-tod-day activities, relationships and career. It’s no wonder the incidence of depression and mood disorders in those with chronic pain is high.
There are however, some positive steps you can take to start managing the chronic pain and improving your life for the better. Chiropractic care is one holistic method that has a great reputation for treating and alleviating severe pain.
But it’s not just those with chronic pain where chiropractic treatment can be beneficial. Evidence also shows chiro is effective at treating a range of complaints from recurrent headaches to period pain. Simply point, if you’re suffering any discomfort, chiro treatment may help get you back to feeling great again.
By taking out the best health insurance for chiropractic treatment, you may find the solution to your chronic pain and discomfort and save on expensive therapies.
To gain an understanding about chiro cover, the Members Own team have put together the following guide which outlines every aspect of how chiropractic care and health insurance works.
We’ll provide you with all important facts and information you need to find a policy that suits your needs. Our easy to use online comparison tool will even help you compare a range of suitable policies and their options within just a few minutes.
If you’re ready to dive right in, you can always get started right away with an online quote.
In just a few minutes our Members Own comparison tool will provide you with a range of options from 20 not-for-profit and mutual health funds.
The Members Own Health funds exist to give their members more benefits and better coverage, while investing a higher percentage of your premiums to improve services and keep you happy. In fact, over one million Australians are already with one of our not-for-profit or mutual funds.
Some quick stats on chronic pain in Australia
- Pain is the most common reason people seek medical help
- One in five Australians suffer from chronic pain
- Chronic pain the top third most costly health condition in Australia after cardiovascular diseases and musculoskeletal conditions (also associated with chronic pain)
- Patients face long waiting times in the public system for multidisciplinary pain services
- One in five Australian adults suffering from severe pain also suffer from depression.
What is chiropractic treatment and how can it help?
Chiropractic advocates consider this holistic treatment method to be effective for many conditions, including chronic pain. It centres around the body’s skeleton having the ability to affect the overall health of an individual. If the skeleton is misaligned or impaired, symptoms like pain, headaches, tingling and PMS can occur.
Chiropractors aim to realign various bones throughout the body to improve the body’s biological processes. The hands-on manipulation of the bones and joints can provide a positive impact on the body’s muscles and nerves.
This can help restore mobility to the joints that have been restricted by tissue caused by repetitive stress such as sitting without proper support, postural issues or a traumatic event like a sporting injury, car accident or a fall.
The manipulation method can involve the application of pressure via the practitioner’s hands or an instrument. Adjustment of the spines position, using gravity as a means of support and wedges under the body can help in the realignment process.
What can a chiropractor treat?
Chiropractic treatment is primarily used for the pain relief of muscles, joints, bones and connective tissue like cartilage, tendons and ligaments. It’s often the only therapy required or it’s used in conjunction with conventional medical treatment.
According to the Better Health Channel, a chiropractor can treat the following:
Headaches and migraines
Joint issues such as knees, shoulders and extremities
Period pain and menstrual cramping
As with any medical treatment or complementary therapy, success relies on the practitioner’s experience and qualifications. We recommend you seek out a chiropractor with a good reputation before you undergo any treatment.
Some health funds may require you receive treatment from an approved chiropractor to claim any benefits.
Why get chiro health cover?
Living a pain-free life is often taking for granted. But for many Australians the chances of experiences chronic pain or mobility issues at some point is high.
Chronic pain can affect:
Children, adolescents and adults
Those with a disability
People living in rural areas
People in the workforce
Aboriginal and Torres Strait Islanders
Chiropractic therapy is well regarded for treating back pain, neck pain, postural issues and more. Remember your spine houses your central nervous system. When your spine is misalignment or impaired, not only will you experience chronic pain, the communication along your spine is hindered.
An experienced chiropractor can manipulate the joints and bones to normalise their function and to reduce the pain throughout your body. After just one session, you’re likely to walk out feeling more aligned and acute pain should subside.
However, chiropractic treatment is not covered under the Medicare Benefits Scheme. This means seeking out this treatment can become expensive and without cover you may be forced to wait it out on a long public waiting list.
It may be wise to consider private insurance to relieve, recover from or prevent symptoms like back pain, restricted mobility and discomfort occurring. Like dental and optical services, chiropractic treatment is offered under different types of extras cover.
It’s worth taking the time to compare health insurance cover to find the best policy to suit your needs. A good health insurance policy that includes chiro can help you get back to 100% health as quickly as possible.
What’s covered by chiropractic health insurance?
Depending on your policy and health fund, the types of services covered by chiropractic health insurance include:
Adjustment to restore motion of the joint
Do limits apply on chiropractic health cover?
All extras health insurance has limits applied on the amount you can claim for particular treatments covered. This is known as annual limits and will depend on your chosen health fund and the level of extras cover you take out. As a general rule of thumb, a higher level of cover will give you higher annual limits.
Limits on your extras cover are generally broken down into two categories:
1. Combined Limits
If your extras policy specifies combined limits, this means several services fall under the one limit. For example, chiropractic may also be combined with physiotherapy and osteopathy. Exceed your limit on one of the treatments and you won’t have any benefits remaining for the other combined services.
Extras cover with sub-limits means specific treatments under the one category will have individual benefits.
Other limits to consider
Depending on your policy, the extras cover may have other limits you should covered when comparing funds. These include the following:
1. Time limits
If time limits are applied to your extras cover, you must lodge your claim within two years of the date you received treatment.
2. Service limits
There also may be a service limit applied to your chiro extras cover. This means there will be a limit on the number of times you can claim for the same service. For example, each person on the policy may only be entitled to one initial consultation and one chiropractic x-ray per calendar each.
3. Benefit limits
It’s common for health funds to apply a limit on the benefits you can claim per day. For example, if you receive a multiple services within the one consultation, you may only be able to claim on one service.
Thankfully, annual limits are reset every year and you can then continue to enjoy these benefits.
If I take out health insurance how long will I have to wait to claim?
Unlike private hospital insurance, the waiting periods for extras cover are set by the individual fund and not by the government. This means the waiting period for chiropractor can differ between funds.
However, the typical waiting period for this service is 2 months. This will be applied if you’re taking out a health insurance policy for the first time or upgrading to a higher level of cover.
But don’t let the waiting period stop you from switching to a better policy or a new provider. Health funds will honour the waiting periods you’ve already served if you decide to switch to the same level of cover with a new health fund.
It’s not uncommon for health funds to offer no waiting periods on some services to encourage new members to join. As always, check the special conditions as it relates to chiropractic services and which providers you’re able to receive a benefit from.
Other conditions with chiropractic cover to be aware of
Depending on the health fund provider and the individual policy, there may be some other conditions before you sign on the dotted line.
Some funds stipulate in order to be covered for chiropractic services, your treatment must be deemed medically necessary. This means you simply can’t go get a chiro treatment because you want to treat yourself! Other insurers may also require you receive your treatment from a chiropractor approved by the fund. This helps to ensure you’re being treated by a well-regarded professional.
You’ll enjoy many more benefits with extras cover
While living pain free and restoring mobility may be at the top of your priority list, there are other benefits you can enjoy with extras cover. The benefits will greatly depend on the level of cover and differ from fund to fund.
Some of the benefits you may enjoy beyond chiropractic treatment include:
- Dental treatment including dental check-ups, major dental and orthodontic treatment
- Occupational and speech therapy
- Medical aids such as glucose monitor and hearing aids
- Pharmaceuticals not covered by the PBS
- Alternative and natural therapies such as acupuncture, naturopathy and remedial massage
Ready to take a closer look at chiro cover?
If you can see the value of taking out extras cover, comparing funds is the best way to take a closer look at the benefits. With the right extras cover, you can claim several hundred dollars’ worth of treatments that can help improve your current health status and prevent the development of new conditions.
In the case of chiro, effective treatment may see you feeling a whole lot younger, pain free and living the best lifestyle possible. You’ll also be able to enjoy the substantial savings to put towards the more important things like travel, your shoe collection or entertainment experiences. What more could you want?
To get the most out of your chiro health cover, we recommend you choose an extras policy that ticks the boxes of your health care needs now and for the years ahead.
This process doesn’t need to be time consuming or confusing. With the Members Own comparison tool you can compare a range of extras cover options from Australian not-for-profit funds. Finding the right private health insurance policy for your health needs couldn’t be any easier and takes a few minutes!
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