Back To Back Chiropractic

If you have your Chiropractic Benefits through CALPERS and have chosen Kaiser, then please read this.

We have been informed that CALPER’S and Kaiser are going to eliminate Chiropractic benefits for their patients as of the 2010 calendar year. Kaiser has done this so there premiums will only rise 3% like the rest of the insurance options offered by CALPERS and yet the other options for CALPERS have continued to have chiropractic coverage.

Now, the first thing to do is get on the phone to your Human Resources Dept. or the person who is in charge of your benefits at work and ask them if you do indeed have your Kaiser through CALPERS if you do, consider the following:

A. Find out when your open enrollment is and look into switching into a new health plan that will cover the Chiropractic and the other services you use. It is always nice to know about open enrollment before it is too late and you are stuck with the plan you have.

B. If you have no other plans to choose from, or the cost of the new plan is simply too much,then look into a health savings account (HSA) or a Flexible spending account (FSA) at work where you can put pre-tax dollars for health care costs not covered by your insurance.

By signing up for the HSA or FSA plans, you can use this money to come in and get your Chiropractic visits and related medical items covered. I will be able to furnish you with receipts or statements showing you came into the office for services.

C. If you have no other choice but to stay with your current insurance plan, and you do not havean HSA or FSA option, then call me up and we can talk about it. The health of you and your family and maintaining your access to care in my office is important to me.

Please do not be reactive on this, be proactive! 

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