How To Get Your Health Insurance To Cover Chiropractic Care

health insurance for chiropractic care

Health Insurance often covers Chiropractic Care

Find out what is covered by your health insurance plan.

Seems obvious, but many people forget to check if their chiropractic care team of choice is listed among their approved providers for those services.

Chiropractic care entails diagnosing and adjusting back problems by manually manipulating the bones in the spine to ease pain and restore mobility. Years ago, chiropractic care and other forms of alternative medicine were considered unorthodox and often weren’t covered by health insurance providers.

Today, as more and more insurance carriers are looking for ways to promote wellness and good health, the rules have changed.

Before We Start – Things You’ll Need:

Copy of your health insurance policy
Documentation from your medical doctor and chiropractor outlining the need for chiropractic care

Initial Steps

  • Find out what is covered by your health insurance plan. Check to see if your chiropractic care team is listed among their approved providers for those services.
  • Determine if your insurance carrier is an HMO (Healthcare Management Organization) or PPO. HMOs will generally only cover practitioners who are on their approved list. PPOs tend to pay for any chiropractic service, usually up to 80 percent of fees charged by providers not on their preferred list, as well as a prearranged fee to the provider if they are preferred.
  • Get your chiropractor’s office team to help you find alternatives to your health insurance if you can’t get coverage for your visits. Many practitioners have special financing plans available.
chiropractic in the outer banks insurance

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.

Consider this:

While treatments such as Spinal Decompression can be expensive, they’re often much less than the usual 20% Co-Pay on the costs of Back Pain Surgery.

Here are some figures – a complete spinal decompression therapy treatment costs around $5000. The average costs for back pain surgery are around $35,000. The co-pay on $35,000 is $7000.

Anyway, don’t be discouraged if you have trouble getting coverage for your chiropractic visits. You may be eligible for forms of private or short term health insurance that will cover your chiropractic care

Keep the situation in perspective and remember how important pain relief is to your overall well being.

Of course, for the most effective pain relief in the Outer Banks, come see us in Southern Shores!


  1. Chiropractic care is generally safe if it can be applied skillfully and appropriately. I have to like this natural method because it has no side effect as traditional treatment methods.

  2. harshita walia says:

    i need to buy chiropractic insurance ,please help me which insurance company give the best option

    • Edith Burton says:

      I have been told that my Medicare plan no longer covers my chiropractic care. I’m 82 and have headaches and neck problems that needs the care of a chiropractor . I also have spurs on my neck bone. Sometimes I cant turn my neck and the pain is bad . Why has Medicare dropped this coverage??

  3. Appreciating the time and energy you put into your blog and detailed information you offer. It’s awesome to come across a blog every once in a while that isn’t the same unwanted rehashed material. Great read!.

  4. Zak Edwards says:

    I have United Healthcare Kama I have been going to my chiropractor for 7 years and never had an issue with it being covered. Today I just received a letter that they will no longer be covering it. What should I do?

    • Maggie says:

      Seven years receiving chiropractor care? Dump him. If after that long you are still having issues with your health, they are not really taking care of you, and not wonder why your insurance stopped paying for those services. I myself I’m looking for one after having a mva, but I dint want to be stucked on 7 years treatment.

      Blessings and good luck

  5. mary rose hilkemeyer says:

    Our insurance labels the care as spinal and back disorders and it falls under preexisting conditions. We have short term care because it’s currently cheaper wsy to go as we are healthy, but we are healthy because of our previous chiropractic visits.

    • Amy M Riddle says:

      I know my body is out of alignment when I was working I went to a chiropractor now I’m disabled I know going will help me also with my hypertension

  6. Donna Carter says:

    I have blue cross and my chiropractor is in another state and only accepts cash. Can you please tell me how to get the insurance to reimburse me after the adjustments are completed.

  7. Rahul says:

    i need to buy chiropractic insurance ,please help me which insurance company is good

  8. Olivia Smart says:

    Thank you for explaining that PPOs tend to pay up to 80% of fees charged for any chiropractic service. My husband has been having lots of back pain, so we’ve been wondering if our insurance would cover him to see a chiropractor. I’m pretty sure our insurance is a PPO, but we’ll have to continue checking so he can get the care that he needs.

  9. […] important document will help you navigate the complex maze of coverage details and eligibility requirements. This […]

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