Is Chiropractic Care Covered by My Insurance?
Chiropractic care is a form of healthcare that focuses on the diagnosis, treatment, and prevention of musculoskeletal disorders, particularly those affecting the spine. Many people turn to chiropractic care as a safe and effective alternative to traditional medical treatments. However, a common question that patients have is whether chiropractic care is covered by health insurance. Although our office is in network with nearly every health insurance company, there are always a few limitations and restrictions on what your insurance will cover—which largely depends on what type of insurance you have! Some insurance plans offer coverage for chiropractic care, while others offer more limited coverage. It is important to review your health insurance plan to determine what services are covered and what your out-of-pocket expenses may be. We are also happy to verify your benefits for you— just submit your information to our Fast and Free Benefit Check and we’ll contact your insurance company to verify the details of your coverage and chiropractic benefits!
Types of Health Insurance Plans
There are several types of health insurance plans that may offer coverage for chiropractic care. 
These include:
- Health Maintenance Organization (HMO) Plans: HMO plans typically require patients to choose a primary care physician and receive referrals for specialist care, including chiropractic care. Chiropractic care may be covered by HMO plans, but patients should check with their insurance provider to confirm.
- Preferred Provider Organization (PPO) Plans: PPO plans typically offer more flexibility than HMO plans, allowing patients to choose their own healthcare providers. Chiropractic care may be covered by PPO plans, but patients should check with their insurance provider to confirm.
- Medicare: Medicare covers chiropractic care, but only for the treatment of a subluxation (when one or more of the bones in the spine move out of position). Medicare does not cover other chiropractic services, such as massage therapy or acupuncture.
- Medicaid: Medicaid coverage for chiropractic care varies by state. Patients should check with their state’s Medicaid program to determine what services are covered.
What Chiropractic Services are Covered?
If your health insurance plan does offer coverage for chiropractic care, it is important to understand what services are covered. Most plans that cover chiropractic care typically cover manual manipulation of the spine to correct a subluxation. However, other chiropractic services, such as massage therapy, acupuncture, or nutritional counseling, may not be covered.
Some health insurance plans may also limit the number of chiropractic visits that are covered per year. Patients should review their plan to understand any limitations or restrictions on chiropractic coverage.
Out-of-Pocket Costs
Even if chiropractic care is covered by your health insurance plan, there may still be out-of-pocket costs. Patients may be responsible for a copayment, coinsurance, or deductible for each visit. These costs can add up, so it’s important to understand what benefits you have! Patients who do not have health insurance coverage for chiropractic care may be able to pay for services out of pocket. Our office offers affordable cash rates for patients who do not have insurance coverage.
Conclusion
Whether chiropractic care is covered by health insurance depends on your specific plan. Patients should review their plan to determine what services are covered, what out-of-pocket costs they may incur, and any limitations or restrictions on chiropractic coverage.
If you are considering chiropractic care, it is important to talk to our office directly about insurance coverage and out-of-pocket costs. We can help you understand your options and develop a treatment plan that is affordable and effective for you! With the right approach, chiropractic care can be an effective treatment option for a variety of musculoskeletal conditions, including back pain, neck pain and headaches. By understanding your health insurance coverage, you can ensure that you are able to access the care you need without incurring excessive costs!
If you’d like to see what your chiropractic, physical therapy, and massage therapy benefits, we now offer a FREE BENEFIT VERIFICATION! This is a very simple and easy to use tool where you submit your insurance information, and someone in our office will verify your benefits and contact you with the details! ! Additionally, if you are interested in how chiropractic care can help you, you can schedule a free consultation with one of our chiropractors! We offer same-day and walk-in appointments, and are conveniently located in Midtown, Anchorage on Tudor Road! Call us at 907-222-5100 or visit us online for more information.