Is Chiropractic Care Covered by Insurance?

Chiropractic care is an alternative healthcare practice that uses spinal adjustment and manipulation to manage various conditions such as neck pain, back pain, headaches, and joint stiffness. While chiropractic care has become increasingly popular in recent years, many people are unsure if it is covered by their insurance. In this article, we will explore the various types of insurance that cover chiropractic care and answer some frequently asked questions.

Types of Insurance That Cover Chiropractic Care

Chiropractic care can be covered by different types of insurance such as:

1. Health Insurance

Most people get their chiropractic care covered by their health insurance plan. Health insurance plans typically cover a certain number of visits to a chiropractor each year. The number of visits may vary depending on the policy and the insurance company.

Before visiting a chiropractor, it is important to check if your health insurance plan covers chiropractic care. You can do this by contacting your insurance provider or checking your policy documents. You may also need a referral from your primary care physician before you can visit a chiropractor.

2. Medicare

Medicare is a federal health insurance program that covers people who are 65 years or older, people with certain disabilities, and people with end-stage renal disease. Medicare may cover chiropractic care if it is deemed medically necessary by a doctor. Medicare coverage for chiropractic care may include spinal adjustment, diagnostic tests, and X-rays.

However, Medicare has some limitations when it comes to chiropractic care. For example, Medicare only covers manual manipulation of the spine to correct a subluxation. Medicare does not cover other services such as massage therapy, acupuncture, and physical therapy.

3. Workers’ Compensation Insurance

Workers’ compensation insurance is a type of insurance that provides benefits to employees who are injured on the job. If you are injured at work and need chiropractic care, your employer’s workers’ compensation insurance may cover the cost of your treatment.

Workers’ compensation insurance may cover chiropractic care for musculoskeletal injuries such as sprains, strains, and spinal injuries. However, your chiropractor may need to get approval from your employer or insurance provider before providing treatment.

FAQ

1. How Many Chiropractic Visits Are Covered by Insurance?

The number of chiropractic visits that are covered by insurance varies depending on the policy and the insurance company. Some insurance plans may cover unlimited visits while others may cap the number of visits per year. It is important to check with your insurance provider to find out how many visits are covered by your plan.

2. Do I Need a Referral from My Doctor to See a Chiropractor?

Some health insurance plans may require a referral from your primary care physician before you can see a chiropractor. However, this requirement may vary depending on the policy and the insurance company. It is best to check with your insurance provider to find out if a referral is necessary.

3. What Are Some Conditions That Chiropractic Care Can Treat?

Chiropractic care can treat a variety of conditions such as:

4. Is Chiropractic Care Safe?

Chiropractic care is generally considered safe when performed by a licensed chiropractor. However, like any medical procedure, there are some risks involved. The most common side effects of chiropractic care include soreness, stiffness, and minor bruising. Serious complications are rare.

5. How Do I Find a Chiropractor That Accepts Insurance?

If you want to find a chiropractor that accepts insurance, you can start by contacting your insurance provider. Many insurance companies have a list of chiropractors that are in their network. You can also ask for recommendations from your primary care physician or friends and family members who have received chiropractic care.

Conclusion

Chiropractic care can be a safe and effective way to manage a variety of conditions such as back pain, neck pain, and headaches. If you are considering chiropractic care, it is important to check if your insurance plan covers it. Different types of insurance may cover chiropractic care such as health insurance, Medicare, and workers’ compensation insurance. By understanding your insurance coverage and finding a qualified chiropractor, you can get the care you need without breaking the bank.