The issue with chiropractic medicine is that there are truths and assumptions tied to it. Medicine in general has a very rigorous process to support the efficacy and validity of claims. Chiropractic medicine has some of the rigorous research supporting some of its claims.
The issue arises with the numerous amount of claims that are at best conjectures that do not go through the proper processes. This is why many claim it be to junk medicine due, i susbcribe to it being borderline pseudo science.
Because of some of its validity and lobbing is why insurance can cover it sometimes. Keep in mind insurance companies often times deny necessary medicine or procedures saying it is optional. So insurance companies are not a good source for what or what is not good medicine.
Part of the reason: chiropractic treatment *does* have some legitimate medical uses. They are pretty specific, mostly related to pain relief, and chiropracty would probably be best characterized as a sub-practice of physical therapy.
The part that makes it junk medicine is thinking it can treat *everything*. Your baby does not need a chiropractor because they have teething pain. Chiropracty will not treat your cancer. It won’t cure COVID. It isn’t a replacement for surgery, or diet and exercise.
It won’t do anything except help treat certain kinds of joint and muscle pain. If you’re using it for that kind of treatment under the care of a physical therapist, it’s probably actually doing something.
And that makes it hard to refuse to cover it, since the insurance company can’t know whether your use is correct or not.
Because a fool and his money are easily parted. People will pay out of pocket for chiropractic adjustments because chiros make a good sales pitch and some folks like the idea of weekly appointments with no end date more than weekly PT appointments for a few months plus daily exercises. Some insurance providers will cover it because offering coverage for alternative therapies can differentiate them in a saturated market and might help win business from their competitors.
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