by garrypacman » Wed Dec 15, 2010 03:19 am
I am looking for a low cost stand alone chiropractor plan for my wife that covers at least 2 visits per month plus back massaging if possible for her back pin problems. We lve in San Antonio, Tx. We currently have tricare Health insurance with no Chiropractor benefits included.
Posted: Wed Dec 15, 2010 07:06 am Post Subject:
I am not aware of any such plans. There are some HMOs and PPOs that offer limited chiropractic care, but that's not what you are looking for.
Posted: Wed Dec 15, 2010 10:20 pm Post Subject: Re:
The findings from this exercise are striking. When drug coverage is offered as part of a total health insurance plan, virtually all individuals choose to purchase insurance. When stand-alone drug coverage is offered, a death spiral occurs and only very high-risk individuals choose to purchase insurance. The logic for this finding is simple – for a low-risk individual, the premium is much higher than the expected expenditures next year, and because prescription drug expenses are relatively predictable, the individual is not willing to pay much to eliminate the small risk of high expenditures and opts out of the insurance. By contrast, health insurance expenditures as a whole are less predictable, so the individual is willing to pay more to eliminate the risk and chooses to buy the insurance.
Posted: Thu Dec 16, 2010 11:14 am Post Subject:
When drug coverage is offered as part of a total health insurance plan, virtually all individuals choose to purchase insurance
This statement, and the rest of your post, bears absolutely no relevance to the OP's questions about health insurance for Chiropractic care.
(In addition, the business about a "death spiral" is anecdotal, not substantiated by actual records.)
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