Insurance Company Payments

Medical Insurance companies often include Osteopathy within their list of covered therapies. Most medical insurance companies have slightly different protocols when it comes to recommended methods of payment and ALL have individual payment structures.

Before booking your treatment you should always contact your medical insurance company and ensure you are familiar with your unique policy. Please be sure to check the following:

• Policy Information: You will have a Membership number and a Claim Reference number. Please make a note of these and bring them with you to your appointment where they will be kept with your personal record.

• Excess Amount: In the vast majority of cases, your policy will have an excess. As with any other form of insurance, you are responsible for covering the cost of the excess.

• Maximum Treatment Amount: An insurance policy will usually state that you have “£x”to spend on various treatments throughout the year. This is particularly useful to know if you don’t feel you will be regularly using the insurance cover as you might find that it is not cost effective to use the insurance in the first place.

• Year End: Insurance policies often don’t follow a standard calendar year. If your policy allows a designated amount of sessions or is capped at a maximum amount (above) it is handy to know when your year ends and the next starts as you may then have to start again, with another excess!!

• Payment Agreements: Two of the main insurers, AXA PPP and BUPA, cap their payments to therapists. This is based on a “National Average”. Your Osteopath (or alternative therapist) will know about this and should inform you of any payment quirks BEFORE treatment commences. Please refer back to the Pricing section under the “Appointments” tab