We’ve created a Health Insurance FAQ to share our answers to some commonly asked questions. We hope this Health Insurance FAQ helps you to make informed decisions about your health insurance plan.

Is it okay to use health insurance for maintenance or preventative care?

There is a “myth” that health insurance is only for emergencies.  It’s not true that you “should” avoid using it unless you are in crisis.

Firstly, almost all health care providers suggest preventative care and regular “check ups.”  Secondly, health insurance helps to support the costs of this kind of health care as well as acute treatment.

For example, don’t wait for a toothache before going to see the dentist.  Don’t wait to have trouble driving or reading before seeing the optometrist.  And don’t wait for back pain before seeing the chiropractor. Follow your providers’ recommendations for maintenance care.

Finally, maintenance care is an appropriate use of health insurance.  If the myth were true, insurance would not cover “check ups.”

How much health insurance do I have?

What services are covered by my plan?

How much of my visit is covered?  Do I have a deductible? 

How much is left on my health care plan this year?  When does my plan re-set?

Insurance companies answer these confidential questions only if the person asking is also the person who is covered by the plan.  Or, if the person has legal authorization to ask on behalf of someone who is covered by the plan (for example, asking about coverage for your child).

In conclusion, we cannot access your confidential personal information about your health insurance.   This is for your security.

Your health plan provider will be able to answer these questions for you.

Do you do direct billing?

Sheppard Chiropractic Centre offers direct billing.  Also, most health insurance plans allow direct billing.

If you don’t know if your plan allows direct billing or not, ask your plan provider.

Can I “save” my health insurance coverage?

Health insurance plans do not carry over value from year to year.  You can use some, all, or none of the value allowed for a calendar year.  Unused value is lost.

Many people also lose value by forgetting to make appointments for their kids, or overlooking the fact that their spouse or partner may also be covered on their plan.

In conclusion, make the most of your health insurance by scheduling your “tune ups” and “check ups” before your plan re-sets.

Do you need to make an appointment for yourself, or someone else who is covered on your insurance?  Contact Sheppard Chiropractic Centre at (506) 635-8182 or (506) 847-7172.  We look forward to seeing you!