Are Chiropractors Covered by Insurance?

Chiropractic care is a type of complementary and alternative medicine that aims to treat musculoskeletal problems such as back pain, neck pain, and headaches by manually adjusting the spine and other joints. In the United States, chiropractors are licensed healthcare professionals who have completed a Doctor of Chiropractic (DC) degree and passed the National Board of Chiropractic Examiners (NBCE) exam. However, when it comes to insurance coverage, the answer to whether chiropractors are covered by insurance is not straightforward.

Insurance Coverage for Chiropractic Care

Chiropractic care can be covered by different types of insurance plans, depending on the specific policy and the state where the policyholder lives. Here are some types of insurance that may cover chiropractic care:

However, even if a particular insurance plan covers chiropractic care, there may be limitations or restrictions on the types of services or treatments that are covered. For example, some plans may only cover a certain number of chiropractic visits per year, or may require preauthorization or referral from a primary care physician or a specialist. In addition, some plans may not cover certain techniques or modalities that some chiropractors use, such as acupuncture, massage therapy, or nutritional counseling.

Frequently Asked Questions about Chiropractic Care and Insurance

1. How do I know if my insurance plan covers chiropractic care?

You can check your insurance policy’s summary of benefits or contact your insurance provider to inquire about the coverage for chiropractic care. You may also ask your chiropractor if they accept your insurance plan and if they can help you navigate the insurance process.

2. What if my insurance plan does not cover chiropractic care?

If your insurance plan does not cover chiropractic care or does not cover the specific treatment you need, you may have to pay out of pocket for the services. Some chiropractors offer payment plans or discounts for cash payments or for certain groups such as seniors or veterans. You may also consider seeking treatment from a chiropractor who charges lower fees, or from a community health center or a university clinic that offers chiropractic care at reduced rates.

3. Can I use my flexible spending account (FSA) or health savings account (HSA) to pay for chiropractic care?

Yes, if your FSA or HSA allows you to use the funds for chiropractic care, you can use the pre-tax money to pay for deductibles, copayments, coinsurance, or other out-of-pocket expenses related to chiropractic services. However, you need to keep receipts and documentation of the expenses for tax purposes.

4. What should I do if my insurance claim for chiropractic care is denied?

If your insurance claim for chiropractic care is denied, you may appeal the decision by providing additional documentation or evidence of medical necessity. You may also contact your state’s insurance department or a consumer advocacy group for assistance. Alternatively, you may consider filing a complaint or a lawsuit against the insurance company if you believe that your rights have been violated or that the denial was unfair or arbitrary.

5. Are there any risks or side effects of chiropractic care?

Like any medical treatment, chiropractic care may have some risks and side effects, although they are generally considered rare and mild. Some possible risks or side effects of chiropractic care include soreness, stiffness, or discomfort in the treated area, headache, fatigue, dizziness, or nausea. In rare cases, more serious complications such as stroke, herniated disc, or nerve damage may occur, although they are often associated with specific preexisting conditions or contraindications. To minimize the risks and maximize the benefits of chiropractic care, it is important to choose a qualified and experienced chiropractor who follows evidence-based practice and who communicates clearly with you about the treatment plan and the expected outcomes.

Conclusion

In summary, whether chiropractors are covered by insurance depends on various factors such as the type of insurance plan, the coverage limitations or exclusions, and the state laws and regulations. Therefore, it is important to understand your insurance policy’s terms and conditions, to communicate effectively with your chiropractor and your insurance provider, and to make informed decisions about your healthcare needs and preferences. By doing so, you can potentially benefit from the holistic and noninvasive approach of chiropractic care and improve your overall health and wellness.