Acupuncture and Chiropractic serve as different ways to decrease pain or make it more manageable. Until 2020, no Medigap plan covered Acupuncture, and Chiropractic care was only covered by Medigap for “manipulation of the spine if medically necessary to correct a subluxation.”
Health Net Innovative G is the first Medigap plan to cover Acupuncture and trips to the Chiropractor. This plan, which also offers vision and hearing benefits, covers Acupuncture and Chiropractic as 20 combined sessions. As of now, this plan is only available in California.
How does Medigap Innovative G cover Acupuncture and Chiropractic?
Health Net is offering 20 yearly visits combined with a $0 copay. That means that you could for example partake in 12 Acupuncture sessions and 8 Chiropractic sessions in one year, without having to pay anything out of your own pocket.
How does Innovative G upgrade Medicare coverage?
You may know that Acupuncture is now covered by Medicare. You are allowed 12 sessions, and if your doctor thinks you are showing improvement, you can get approved for 8 more. The main disadvantage is that you need to fulfill some requirements before you can get this coverage, like proving that you have been in pain for more than 3 months and not having had surgery recently. Technically, if you purchased an Innovative G with Health Net, you could get coverage for an additional 20 Acupuncture visits.
In the case of Chiropractic care, as stated above, Medicare only covers Chiropractic visits for manipulation of the spine in a particular case. If you were to enroll in HealthNet’s Innovative G, you could be reimbursed for up to 20 Chiropractic additional visits for any reason as long as it was medically necessary. Remember this new plan only covers for a combined 20 visits between Acupuncture AND Chiropractic so you could not get 20 acupuncture visits and 20 chiropractic visits covered in the same year.
How can you enroll in or switch to Medigap Innovative G?
You can purchase this plan at any time of year. If you are not in your Initial Enrollment Period, you may have to go through medical underwriting.
To enroll in this plan just give us a call at 800-930-7956
As of July 1, 2020, a standardized plan and an Innovative plan are considered equal in benefits. This means if you have a standard F or G you can switch to Innovative F, F Extra or Innovative G during the California Birthday Rule.
We at Senior65.com dedicate ourselves to help people enroll in Medigap, Medicare Advantage, and Part D plans at no additional cost. That’s it, we charge nothing for our services and guarantee the lowest price allowed by law.