Seven Reasons to Try Chiropractic Care

Some people are wary of visiting a chiropractor for fear of worsening an injury, or because they don't know how chiropractic care works, but chiropractic care can be very useful in managing your pain, in correcting your posture, and in helping to maintain your overall health.

We put together seven reasons for you to give chiro care a try. Check them out! 

  1. If you experience back pain on a regular basis, your chiropractor can help to align your spine, alleviating your pain. Your chiropractor might also teach you stretches and/or exercises to assist with healing and pain management. 
  2. Similar to back pain relief, a chiropractor can adjust your neck and/or back to help relieve pain caused by headaches. Chiropractors can be especially helpful in providing tips to improve your posture, which will further strengthen your muscles and relieve the pain in your neck, back, and head. 
  3. We know it's confusing to think that a chiropractor could help with gastrointestinal issues, but visiting a chiropractor will help to properly align your body and assist with bowel regularity.
  4. Do your or your child experience reoccurring ear infections? Try visiting a chiropractor to resolve the alignment issues in your spine, allowing the fluid in your ears to flow properly, and resolving the reoccurring infection. 
  5. We know it can be scary to allow a person to crack your neck and spine, but parallel to back pain and headaches, a chiropractor can help to resolve that unwavering pain in your neck. You will likely find increased mobility and a loss of tension after allowing a chiropractor to work on your neck. 
  6. If you struggle with arthritis or regular joint pain, a chiropractor can help you to manage your pain. As stated above, your chiropractor is likely to explain some useful stretches and exercises specific to your area of concern; practicing these exercised and stretches will help you to manage your pain and improve your overall health. 
  7. By adjusting your body, your chiropractor is able to improve the natural flow and alignment of your body, allowing your blood and other cells to flow freely. 

 

Still unsure? Chiropractic care is covered by most group and employee benefit plans! Give us a call to learn more or give a chiropractor near you a try! 

Chiropractic vs Massage Treatments

Are you amongst the many people who experience soreness and/or stiffness at the end of a long work day? Regardless of whether you have an active job that requires you to be on your feet, or a job that requires you to be sitting all day, our bodies can become tired and worn out by the end of the week.

Two of the best and most common forms of pain management for sore muscles and joints are chiropractic and massage treatments, which are generally covered under your group benefits program. Using your benefit program to cover the cost of treatment allows you to maintain your overall health and well-being with regular visits to your licensed chiropractor or registered massage therapist.

However, there is often confusion about which treatment is right for your needs. So how do we know which one is best? First things first, we should know the difference between the two practices:

Massage is aimed at solving muscular issues such as tension, spasms, or strained/pulled muscles. Massage therapy can also reach into your nervous system by helping fluids to move more freely throughout your body. While massage therapists cannot adjust your joints or prescribe medications, they can be a great source of holistic healing to relieve tension and make sure your body is performing at its full potential.

Unlike massage therapists, chiropractors are able to address the issues lying within your musculoskeletal and nervous systems. They can write prescriptions and provide rehabilitative exercises tailored to your specific needs. Chiropractic care is especially useful in helping with joint pain, headaches, insomnia, and neck or back pain.

To take your course of treatment one step further, you can combine the two practices to help with chronic pain. Massage therapy is a great way to warm up your body and ensure you are relaxed before going in for a chiropractic treatment; your chiropractic adjustment is more likely to last longer if your muscles are relaxed before. Similarly, your massage is likely to be more effective when your joints are properly aligned.

Both forms of treatment can bring relief to your body and help with your overall wellbeing, but we know they can be expensive when they are not covered by your insurance. If you have questions regarding coverage of these treatments, please talk to your plan administrator or call our office for the details of your extended health care coverage.

 

To read more about the benefits of chiropractic and massage treatments, please see this article.  

Extended Health Care Benefits

The Chambers of Commerce Group Insurance Plan offers a number of different Extended Health Care benefits. Some of the commonly forgotten about options include coverage of medical equipment and supplies as well as paramedical practitioner coverage. The following is a list of services that are covered by the extended health benefit. 

Medical Equipment and Supplies: 

  • Up to $25,000 per person towards home nursing care 
  • Emergency group or air ambulance to the nearest hospital
  • Up to $700 per person towards the purchase and installation of hearing aids 

Paramedical Practitioners

  • Audiologists 
  • Chiropractors 
  • Podiatrists and Chiropodists
  • Massage therapy 
  • Acupuncture 
  • Physiotherapy
  • Licensed speech therapy 
  • Naturopaths, not including food or vitamin supplements 
  • Osteopaths 
  • Clinical dieticians 

Make sure you make the most of your health care plan by becoming aware of all the services that your plan covers, and ensure that you submit all of your claims for reimbursement. 

Generic vs Brand Name Drugs

If your company has chosen a prescription Drug Card health option, you must present your card at the pharmacy at the time of purchase and pay your portion of the expense. 

to ensure that your prescription is covered up to the full cost of a brand name drug, your physician must indicate no substitution on your prescription. If this is not indicated and  you are buying the brand name drug, you may only be reimbursed up to the cost of the drug's generic equivalent. 

if you do not present your Drug Card at the time of purchase, you will not know how much of your prescription will be covered by your insurance. 

It is imperative to present your drug card at the time of purchase.


If your plan uses a Deferred Payment Option, you must pay the full cost of your prescription and you will be reimbursed after 30 days or $50 worth of claims, whichever comes first. 


Leave of Absence from the Work Place

Employers must talk to their company lawyer/human resources department to create a precedent on how to treat all employees during leave of absence situations. 


There are three ways to proceed when an employee needs a leave of absence: 

  1. Terminate the employee from the group plan 
  2. Keep the employee on the plan and continue to pay your portion of the premium 
  3. Keep the employee on the plan and them the employee pay for the whole premium 

We are not legally allowed to recommend any of these methods, therefore you should consult Labor Standards or a human resources expert. 

All companies who are insured with the Chambers of Commerce group Plan receive Business Assistance Service. This gives each employer 6 hours per year towards human resource advice, legal advice, and tax advice from a team of professionals at no extra cost. 

To access the Business Assistance Program, please call 1-877-922-8646


Continuation of Benefits 

Maternity Leave: 

  1. To continue benefits while on maternity leave, premiums must be paid continuously throughout the employee's time away
    1. There would be no interruption on health and dental coverage, however the disability benefits (WI, LTD, CI) would not be effective during maternity leave 
    2. Please notify us within 50 days of the child's birth in order for the child to be added to the plan without penalty
  2. If the employee chooses to opt out of the benefits, we will reinstate the employee for the first day of the month following her return to full-time work. We need to be advised of this within 60 days of returning, and the employee must return after 12 months.

Leave of Absence or Lay-Off:

  1. Benefits under the Chambers Plan typically terminate when an employee stops working. Should firms grant a leave of absence or temporary lay-off, the employer can continue to offer the benefits held by the individual on a premium paying basis (with the exception of disability benefits, WI, LTD, CI) 
  2. For insurance to continue we must be notified before the leave begins, provided with  scheduled date of return, and premiums must continue to be paid
    1. This continuation of insurance cannot exceed 6 months if the employee is on a leave of absence or lay-off 
  3. If coverage is not continued during the lay-off or leave, coverage can be reinstated without evidence of insurability, provided the employee returns within 6 months of the termination date 
    1. Please note that you must notify our office within 31 days of the employee's return.