If you’re considering chiropractic care, one of your first questions may be whether insurance will cover it. The good news is that in many cases, the answer is yes—but there are important details to understand.
What Insurance Typically Covers
Most major health insurance providers offer coverage for chiropractic services, particularly when they’re used to treat medically necessary conditions like:
Chronic back or neck pain
Sciatica
Postural problems
Headaches linked to spinal alignment
Medicare also provides limited coverage for spinal manipulation, and many Medicaid programs include chiropractic care in their benefits.
What to Check With Your Provider
To avoid surprise bills, contact your insurance company and ask:
Is chiropractic care covered under my plan?
Is pre-authorization required?
Are there limits on the number of visits?
Are specific diagnoses needed for coverage?
Is there a co-pay or deductible?
Some plans limit the number of sessions per year, and others may only cover care from chiropractors in-network.
Out-of-Pocket Options
If your plan doesn’t cover chiropractic care, or if you’ve maxed out your benefits, many clinics offer affordable cash rates or wellness packages. Preventive and maintenance chiropractic visits may not always be covered, but they’re often available at a lower cost.
To get the most from your benefits and explore flexible options, a Draper chiropractor can help you understand what’s covered and create a plan that fits your needs and budget.
