Welcome to the Insurance Coverage Guides hub for Just Simply Well. This page brings together clear, simple guides that explain how different insurance plans handle services that matter to your health, recovery, and everyday life.
Rather than sorting through dense insurance booklets, you can use these guides to quickly understand what may be covered, what is often excluded, and the questions you should ask your insurance company before you schedule care.
How to Use These Insurance Coverage Guides
Every guide on this page is written to make complex insurance language easy to understand. Each article typically explains:
- Whether a specific service is usually covered and under what conditions
- Common limitations, exclusions, and medical necessity rules
- Which providers can bill for the service and when pre-authorization is required
- Practical steps to verify your personal coverage before you schedule treatment
These guides are educational and based on publicly available policy information at the time of writing. Because insurance plans change frequently, you should always confirm details directly with your insurance company or benefits department.
Health Insurance Coverage Guides
This section focuses on how major health insurance carriers handle services that are important for people seeking natural care, chiropractic, massage therapy, acupuncture, and other conservative treatments. Each guide answers a specific question, such as whether a certain insurance company covers a particular service.
- Massage Therapy Coverage Guides – Understand when massage may be covered as medically necessary therapy and when it is considered a non-covered wellness service.
- Chiropractic Coverage Guides – Learn how different health plans view chiropractic care, spinal manipulation, and maintenance care.
- Acupuncture Coverage Guides – See which insurers recognize acupuncture, what diagnoses may qualify, and when pre-authorization is needed.
- Drug Rehab That Accepts Insurance – See which rehab facilities accept your insurance.
- All Health Insurance Articles – Browse all current guides by carrier and service, including plan specific deep dives.
New guides are added regularly as policies update and as more services are reviewed. If you rely on insurance to help pay for care, this section is a good starting point before you call your insurance company.
Auto Insurance and Injury Coverage Guides
Auto accidents often raise urgent questions about coverage for evaluation, imaging, and ongoing treatment such as chiropractic, physical therapy, or massage.
- Auto Insurance Coverage Guides
Learn how personal injury protection, medical payments coverage, and third party claims may interact with care in a wellness or chiropractic setting. - What to Ask Your Auto Insurer After an Accident
Key questions to ask your adjuster or claims representative before you begin treatment.
Because auto insurance coverage is highly state specific and policy specific, these guides are designed to help you ask better questions and understand the general framework, not to replace legal or insurance advice.
Before You Schedule Care
Even when an insurance company lists a service as covered, payment is never guaranteed. Your benefits depend on your specific plan, your diagnosis, medical necessity, and network status. Before you schedule care, it is wise to:
- Call the member services number on your insurance card
- Ask whether the service is covered under your plan for your diagnosis
- Confirm any visit limits, copays, deductibles, or pre-authorization requirements
- Write down the date, time, and name of the representative you spoke with
Our goal with these Insurance Coverage Guides is to give you enough background that you can have a confident, informed conversation with your insurance company and your provider.
About These Guides
These insurance articles are researched and written by Dr. Donald L. Aivalotis, II and select contributors. Every effort is made to keep information current, accurate, and easy to understand, but nothing on this page or in these guides creates a contract of coverage or replaces your insurance policy documents.
Always refer to your official plan documents and contact your insurance carrier or benefits administrator for the final word on what is covered for you.