Spine and Back Disorders Benefit

[michaelsavannah]

Keep in mind this may be a moot point if this is a new applicant subject to pre-existing exclusion.

 

[schealthagent]

This has bothered me and can't seem to get the same answer twice. It seems like $2,000 could get eaten up pretty quick with office visits and pain management. Anyone have any clients with Golden Rule who've run into this wall?

 

[moonlightandmargaritas]

Is inpatient simply considered an overnight stay in a hospital after a surgery? Call me stupid - here it comes.

Not a stupid question at all...

Inpatient = admitted to the hospital.
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It seems like $2,000 could get eaten up pretty quick with office visits and pain management.

This kind of limit is common with most carriers, in most states.

It's designed to prevent chiropractors, etc. from milking/draining the policy limits, as they do with auto insurance.

 

[schealthagent]

So is the limit just pertaining to chiropractic? What about pain management? I never asked golden rule about chiro, I figured it fell under the alternative treatments exclusion.