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Does Health Insurance Pay For Chiropractic

Icon Medical Works With A Wide Range Of Insurance Companies

Does Medicare Pay for Chiropractic Services?

At the Icon Medical Centers, we deal with people daily who want to know whether their insurance will cover a course of chiropractic. The good news is, we can work with patients who come to us from a wide range of insurers, so all you need to do is pick up the phone and speak to our team to find out if your insurance will cover chiropractic at our clinics. We deal with many of the popular insurers in the Florida area.

Why Doesnt Health Insurance Pay For Maintenance Chiropractic Care

Some health insurance plans dont cover maintenance chiropractic care because many health insurance companies dont see maintenance care as medically necessary.

Why dont they consider it medically necessary? Thats a question only insurers can address.

Its likely they prefer to pay for treatments that help people recover from an illness, injury or other situation. They dont want to pay for treatments after someone hits a plateau and stops showing signs of improvement. Thats a common reason few health plans cover maintenance chiropractic care.

Dont assume thats true of your plan, though. Before you schedule anything, review your plan and see if it says anything about chiropractor visits. If it doesnt, contact the insurance company and ask for clarity. And dont just ask if your policy covers this type of care, but when and how much and for how long as well.

How Clear Can Help

When a chiropractor completes our Certification Process, they are allowed to refer to themselves as CLEAR Certified and their clinic as a CLEAR Scoliosis Center. However, CLEAR does not own these clinics, nor does CLEAR have any control over their fees or insurance billing policies. For this reason, you will need to contact each clinic directly to inquire about their fees and insurance information.

While state and federal laws tend to make it impossible for us to make this process easier for you, there are some ways that we can help you to navigate the confusing landscape of insurance reimbursement for CLEAR scoliosis treatment. Please keep in mind that these are general guidelines, and ultimately the responsibility for payment and finances rests between you, your treating doctor and your insurance company.

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How Does Medical Insurance Cover Chiropractic Treatment

Chiropractic treatment offers an alternative to medication or procedures and increases in popularity year-after-year. This means many insurance companies cover chiropractic care as part of what they call alternative care. We believe that most medical procedures should be alternatives to natural, holistic approaches such as chiropractic treatment, instead of the other way around. As a result of being labeled as alternative care, however, many insurance companies place certain restrictions on what they will cover. Our team outlined common restrictions below, however, we recommend reviewing your policy in-depth to learn your specific restrictions. As always, if you have any questions relating to your specific coverage and how we can maximize your medical benefits, give us a call at 303-828-3000 in Erie or 303-772-1950 in Longmont, CO.

Insurance Coverage Chiropractic Care


Even though chiropractic care has been proven less expensive than musculoskeletal injury treatment that involves surgery and drugs, a doctors bill is still a doctors bill and a good insurance policy is still invaluable. Unfortunately, chiropractic care is still in the process of shaking its stigma as a less legitimate procedure. For this reason, finding insurance coverage that sufficiently covers chiropractic care might not be the easiest thing in the world.

As the reputation of chiropractic care improves, it has grained credibility in the world of health insurance and were seeing more companies offering insurance coverage for this kind of treatment every day. This being the case, it may be possible to have chiropractic care covered through your current insurance company, but keep in mind that insurance companies are in the busy to make money and it may take some extra effort on your part to prove the necessity of chiropractic treatment to your insurer. If you were recommended to undergo chiropractic care by your PCP , you may be in for a bit less of an uphill battle in convincing your insurer to pay for your treatment.

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If You Are Denied Coverage

If there are any services which are not covered, your next step will then be to appeal the decision of the insurance company. Your doctor can provide you with a Letter of Medical Necessity as described above, as well as copies of your clinical records explaining why the treatment is necessary.

It is important to directly address the reasons why the insurance company denied coverage for those services. If the reason is because they are not covered under your plan in accordance with the terms of the contract you signed with the insurance company, it can be very difficult to formulate a successful appeal.

Why Do Doctors Hate Chiropractors

Historically, the medical associations have demonstrated resentment to any other community treating the ill. So first and foremost, it started out as a turf war. Secondarily, Medical Doctors dont really understand what Chiropractors do, as they were not trained in spinal manipulation techniques.24 nov. 2018

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Why Chiropractic Care Is Bad

When chiropractors are correctly trained and licensed, chiropractic care is generally considered to be safe for some conditions. However, it is not recommended for patients with osteoporosis, spine deformities, spine cancer, increased stroke risk, and more serious conditions that may require surgery.17 juil. 2020

Learn More About Chiropractic Coverage

Does Medicare Pay for Chiropractic Services?

In most cases, Medicare does not cover other services or tests ordered by a chiropractor, such as X-rays, massage therapy and acupuncture. However, some private plans do cover these services. Be sure to review the plan or check with your provider for specifics.

Danetha Doe is an entrepreneur, journalist, and economist who specializes in writing about finance.

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Does Health Insurance Cover A Chiropractor In Lincoln

Yes! The good news is that the vast majority of health insurance plans are going to cover the cost of a visit to a chiropractor. Like traditional medical doctors, the amount of coverage is going to vary from plan to plan. Anyone who has questions or concerns about their chiropractic coverage on their insurance plan should take a close look at the information on the plan when it comes to deductibles, co-pays, and coinsurance. Or, feel free to give us a call. We are happy to review information about chiropractic insurance with you.

What Is Chiropractic Treatment

Chiropractic treatment uses spinal manipulation to treat pain caused by various medical conditions. Some of the common health conditions treated by chiropractic care include back and neck strains, sports injuries, and arthritic pain.

The chiropractor uses hands-on spinal manipulation and other medical tools to relieve pain and improve the functionality of patients. Typically, patients need to complete a course of several chiropractic treatment sessions to see long-term results, although improvements may be seen after just one session.

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There Are Ways To Make Sure Your Insurance Covers Your Treatment Few More Things You Should Know

  • Keep approaching your insurance provider, as many health insurance companies operate under the squeaky wheel theory. If your medical doctor agrees with the need for chiropractic care, ask for a letter stating that for the insurance company.
  • Be certain to thoroughly fill out your medical history form when you visit a chiropractor for the first time, paying special care to questions about prior injuries.
  • If you were injured in an automobile accident or work-related injury, talk to your automobile insurance company or employer about possible coverage of chiropractic treatment.

What Percentage Of Cost Does Medicare Part B Cover

Accepted Health Insurances For Chiropractic

Medicare Part B covers all but 20 percent of the cost for eligible chiropractic treatment, but only after youve met your annual deductible.

In other words, your yearly deductible must be met before Medicare covers the full 80 percent of medically necessary chiropractic visits.

In 2021, the deductible for Part B is $203. This is an increase of $5 compared with the annual deductible of $198 in 2020.

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Does Medicare Supplement Cover Chiropractic Care

Yes, Medicare Supplement covers chiropractic services, and these plans lower your out-of-pocket expenses compared to having only a Medicare Part B plan. In many cases, if you have a Medicare Supplement plan, you’ll get free chiropractic adjustments when it’s medically necessary.

With Medigap, all of the Medicare Part B chiropractic restrictions and exclusions apply. That means Medicare coverage is limited to manual manipulation of the spine that is medically necessary. You’ll also need to visit your doctor before the chiropractor.

All Medicare Supplement plans will reduce your Medicare Part B deductible, with the reduction amount ranging from 50% to 100%. In the table below, you can see your copayment cost for chiropractic care after you’ve met your deductible.

Medigap plan

Blue Cross Blue Shield

BCBS coverage varies from state to state and forms of policies, but in general, it will cover chiropractic services that are deemed medically necessary and when certain criteria are met, including:

  • The service must help diagnose, cure, or treat an illness, disease, or injury, not for experimental or cosmetic purposes.
  • It must reflect general standards of medical care.
  • A patients clinical symptoms must be improved by chiropractic therapy and a treatment plan is documented.

Blue Cross Blue Shield does not cover chiropractic services that are deemed as supportive care or maintenance, including counseling, low-level laser therapy, or hydrotherapy.

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Does Insurance Cover Chiropractic Care

Yes. Most health insurance plans now cover chiropractic care including Medicare and Medicaid.

As with other health benefits, there may be some restrictions and guidelines you may need to follow to ensure coverage of your chiropractic treatments, but chiropractic care is covered. Read on to learn more about what is covered and why as of January 2020 government-run health insurance programs like Medicare and Medicaid now approve chiropractic coverage.

Chiropractic Insurance Coverage And Your Chiropractor

Medicare Chiropractic Services and Tips for 2020 – Does Medicare Pay for Chiropractic Services?

Most insurance policies cover at least some chiropractic care. But before we explore health insurance and chiropractic, you should understand how the insurance industry actually works.

Insurance carriers are regulated in the states in which do business. Since they are almost always public corporations with shareholders, by law they have to make a profit. Profit results from charging the policyholder the highest premium possible, and minimizing the reimbursement to chiropractors and other practitioners.

Holding on to premiums for sometimes months, investing them in the stock market, before reimbursing the doctor who delivered the service months earlier, can increase profits even further.

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Does Medicare Cover Chiropractic Care Services

Does Medicare cover chiropractic care visits and services? Some plans do if you meet specific requirements, while others do not offer coverage. Learn more here.

Each Medicare plan and insurance product we feature has been independently selected and reviewed by our editorial team in conjunction with our partners at Medicare Expert USA. If you make a purchase using the links included, Health.com may be compensated.

Key Takeaways

  • Original Medicare covers manual manipulation of the spine to correct subluxation.

  • Medicare Part A does not cover chiropractic care.

  • Medicare Part B covers chiropractic visits as long as it is medically necessary.

  • Some Medicare Advantage plans offer routine chiropractic services as a benefit.

Medicare Part C Maybe

Part C, also called Medicare Advantage, are Medicare plans offered by private insurance companies. Some Medicare Advantage plans may cover chiropractic treatments, but the terms can be different for each individual. If you have a Medicare Advantage plan, check with your provider to see what chiropractic services are covered.

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How Much Will You Pay For Chiropractic Care With Medicare Part B

After you meet your Medicare Part B deductible, you’ll pay 20% of the approved cost of chiropractic care. Medicare will pay the other 80% of the cost. You must go to a chiropractor that accepts Medicare for your bill to be covered, otherwise you risk paying the whole amount for the service.

The cost of your chiropractic bill is based on the number of spinal regions that need manipulation.

Chiropractic adjustment

Average Medicare-approved amount

Remember to always seek out medical advice from a health care professional about what type of treatment is best for your needs.

Speak With Your Chiropractor

Will My Insurance Cover Chiropractic Care?

It might be worth explaining your situation with your chiropractor of choice if you do not have access to health insurance that covers chiropractor visits. Some chiropractors offer private-pay and sliding scale rates or discounts on services. They might also offer third-party financing to help with your up-front chiropractic costs.

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Does Medicare Advantage Cover Chiropractic Care

Yes, Medicare Advantage plans will cover medically necessary chiropractic care.

Some plans may also provide chiropractic benefits beyond what Medicare Part B offers, including routine chiropractic appointments. This means you can get a maintenance treatment without needing the medically necessary documentation of having altered vertebrae positioning.

Medicare Advantage plans are more like traditional insurance because you’ll sign up for a single plan that provides unified medical coverage. Benefits vary widely, and you should check your policy about which chiropractic services your plan will cover.

Providers usually have trends about how they classify chiropractic treatments, and the table below shows the average costs and requirements for some major Medicare Advantage providers. Note that preauthorization may be required.

Medicare Advantage provider
Usually not covered

When Does Health Insurance Cover Chiropractic Services

Traditional health insurance usually covers chiropractic services. However, this coverage often comes with limitations or specific requirements.

For example, some plans require a referral before they will cover a chiropractic visit. Other plans may limit how many visits you can make to the chiropractor per month or per year. Some plans cap the amount of money the insurance company will pay out in a given period.

Health insurance plans under the Affordable Care Act , also referred to as Obamacare, are not required to cover chiropractic care. However, most ACA plans do offer at least partial coverage.

On the other hand, short term health insurance is not likely to cover chiropractic work. These plans are designed to provide temporary coverage during gaps in traditional health insurance. Thus, they often provide minimal coverage that likely does not include chiropractic.

Furthermore, if your condition initially improves with chiropractic treatments but then levels out, your insurance may cease coverage. If chiropractic care becomes less about short-term improvement and more about long-term wellness, the insurance company classifies this as maintenance treatment and likely will not cover it.

In these cases, you can continue to receive chiropractic care, but you will likely have to cover the costs out-of-pocket.

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Health Insurance That Covers Chiropractic Care

Chiropractic care can be an excellent choice for people suffering from a wide range of conditions, from migraines to herniated discs. If you have read up on chiropractic and feel its right for you, then you might be wondering whether you can claim for the cost of treatment on your health insurance. The good news is, insurers are increasingly covering patients who want chiropractic, as it can be a better alternative to traditional medicine like prescription painkillers. However, its worth checking whether your insurer will cover this kind of treatment before you decide to book.

How Much Is A Chiropractor With Insurance

Does Insurance Cover Chiropractic Treatment for a Herniated Disc?

The good news is that most chiropractic coverage is very good with chiropractic insurance. The exact amount someone will have to pay with health insurance will also vary from plan to plan. In general, most patients are going to have to pay some sort of copay with the visit. This usually ranges between $30 and $200 per session. Some patients have plans that might cover 100 percent of the visit while other patients might have plans to include additional out-of-pocket costs, such as coinsurance. In general, health insurance can save someone a lot of money on a chiropractic visit. Call us to find out more!

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How Much Does Chiropractic Care Cost

The cost of chiropractic services vary, but generally range from $40 to $100 per session. However, the cost will depend on the type of treatment.

An initial consultation may be free of charge while subsequent spinal manipulations may cost around $50-60 each. More intensive treatments, like medical massage therapy, will add to the total cost of treatment.

If youve ever visited a chiropractor in the past, you may have been turned off by the number of times you needed to come back in order to keep your spine aligned and your pain at bay. Multiple visits a week over the course of a year adds up.

But many patients find that regular adjustments make enough of a difference to their quality of life that they dont want to simply walk away and pursue other treatment methods. Wouldnt just be easier if their insurance plan could cover those chiropractor visits?

How Much Does A Chiropractor Cost Costhelper > Health


Chiropractors who have a single practice typically charge less, around $63 per session, as opposed to doctors who work in a medical group and charge an average

Chiropractor Cost without Insurance

Average Chiropractor Cost without Insurance Professional medical practitioners usually charge expensive doctors fee for their services.

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