CoPay for Chiropractic Care More Than What Insurance Company Pays

We, the undersigned, are citizens of New Jersey and chiropractic patients who have received quality health care treatment from chiropractors practicing in the state of New Jersey.

We citizens are deeply concerned that a number of insurance companies authorized to do business and doing business in the State of New Jersey are charging us premiums for policies of health insurance which purport to include medical expense benefits for chiropractic care.

However, once the care is obtained an upon reliance upon the representations of the insurers that we are insured for such care, we have found that the cost sharing required of us in the form of copay, coinsurance and/or deductible payments are so high that they almost equal or exceed the allowed amount paid to our treating chiropractors.

In addition, we have also learned through receipt of Explanation of Benefit forms issued by our insurers that we are not obtaining reimbursement for medically necessary services that our chiropractors provide to us in conjunction with a spinal manipulation which enhances, facilitates and prolongs the effect of the manipulation based upon the insurers’ position that the reimbursement for the spinal manipulation includes reimbursement for these separate and distinct treatments under a global manipulation reimbursement.

It is our opinion that this renders the insurance coverage we have purchased wholly illusory and that, in reality, we are paying premiums for what amounts to no chiropractic coverage at all.

By affixing my signature below, I hereby certify that I have read this complaint form, agree with its contents, and wish to formally request that the New Jersey Department of Banking and Insurance investigate the matter and take immediate remedial action.