Q. I am looking for a plan that includes low copays, especially for Chiropractic and Dermatology. The plan needs to fit my budget. What is available for me?

A. Most plans will cover Chiropractic & Dematological visits . . . unless you have a chronic condition that requires regular treatment. In that case the condition would be considered pre-existing and would be excluded by a rider.

If you visit a Chiropractor more than 12 times per year, you can expect a Chiropractic exclusion rider. Your skin condition may also warrant a rider.

Low copays are nice but come with a price.

Given your pre-ex conditions, that may be ridered off the plan, you will probably come out better with a plan that does not include copays. The premium savings could offset the loss of benefits due to riders.