Health Savings Accounts and Chiropractic Care

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Article Title:

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Health Savings Accounts and Chiropractic Care

Article Description:

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How you can use a Health Savings Account to pay for chiropractic

care and many other forms of alternative medicine, while saving

on your income taxes.

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607 Words; formatted to 65 Characters per Line

Distribution Date and Time: 2006-12-29 14:00:00

Written By: Wiley Long

Copyright: 2006

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Health Savings Accounts and Chiropractic Care

Copyright © 2006 Wiley Long

HSA for America

http://www.health--savings--accounts.com

The healthcare industry in the United States is dominated by the

culture of conventional Western medicine. And health insurance

caters to those who control the industry: medical doctors and

hospitals. There is a long history of prejudice against

chiropractic by medical doctors, which is one reason that

chiropractic care is not often covered by health insurance.

Many research studies have shown that chiropractic care is

beneficial and that it is more cost effective in the treatment of

low back pain and other common musculoskeletal conditions than

traditional Western medicine is. Chiropractic also lowers health

care costs by focusing on prevention, was well as on treatment.

It is surprising that health insurers choose not to cover

treatment that is as beneficial and cost effective as

chiropractic care is. Studies have continually shown that

individuals who seek the care of a chiropractor on a regular

basis are healthier and, generally, spend less on health care

than those who do not.

Chiropractic Care and Consumers

What is not surprising is that consumers are wise enough to see

the advantages of chiropractic care. Many people prefer to see a

chiropractor simply because they see tangible benefits from the

care they receive. Many others are disillusioned with traditional

Western medicine and the healthcare system, and they look for

alternatives such as chiropractic care.

It is clear, both from patient testimonies and from clinical

research that consumers benefit from chiropractic care.

Unfortunately, they may have difficulty affording chiropractic

care because it's often excluded from healthcare insurance

policies.

Health Savings Accounts can help consumers afford chiropractic

care, even when it is excluded from their health insurance

policy. They can pay for chiropractic care and other alternative

medicine with pre-tax dollars by using a Health Savings Account.

Many chiropractors keep their costs as low as possible in order

to make chiropractic care more available to consumers. They can,

however, only absorb so much of the cost of providing that care.

Another way chiropractors can help clients gain access to

chiropractic care is to encourage the use of Health Savings

Accounts.

Health Savings Accounts and Consumer Choice

The combination of a Health Savings Account and a High Deductible

Health Insurance plan is supposed to encourage individuals to

become thoughtful, wise consumers of health care. The individual

is spending more of his or her own dollars on healthcare, so she

will be more concerned about how those dollars are spent.

Health Savings Accounts give consumers more choice in how their

healthcare dollars are spent. Money in the HSA must be spent on

approved medical expenses, but there are really very few

restrictions on what kind of healthcare you choose. More and more

chiropractic patients are discovering that having an HSA is

saving them money on their medical expenses.

Traditional health insurance has gatekeepers and controls. Even

when chiropractic care is covered (not typical on individual

plans), the individual requesting chiropractic care may be

required to go see their family physician (or gatekeeper) and get

a referral. Not all medical doctors will refer to chiropractors.

If chiropractic care is covered on the health insurance plan, and

if you can get a referral (which amounts to permission to see the

chiropractor), there may be limits to the number and types of

treatments you can receive.

Using a Health Savings Account to pay for chiropractic care gives

you, the consumer, more choice. You can choose what type of

medical treatment to get, where you will get that treatment, and

how many treatments you will get. You can spend HSA dollars on

preventive care as well, and actually have the government give

you a tax deduction for keeping your family well.

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Wiley Long - President, HSA for America

(http://www.health--savings--accounts.com)

The nation's leading independent health

insurance firm specializing in individual

and family coverage that works with a

Health Savings Account. Please link to

this site when using this article.