Does Insurance Cover Chiropractic Care?

January 24, 2020 0

If you suffer from back pain, you’re not alone. Chiropractors treat nearly 27 million patients a year. With the prevalence of back-related issues, you might be asking yourself, “Does insurance cover chiropractic care?

But—as with most questions involving doctors and insurance policies—the answer isn’t always cut-and-dry.

The good news is that there are many occasions when your insurance will cover your chiropractic visits. Let’s dig a little deeper to see when you may or may not be covered.


What is Chiropractic Care?

First of all, what is chiropractic care?

Chiropractic care is the adjustment of the back, neck, or spine. During your visit, a chiropractor manipulates your spine and joints to realign them, treat injuries, and alleviate pain. Some chiropractic offices also perform medical massage or other forms of therapy.

doctor holding spine model next to patient's back

Chiropractic care is highly beneficial for car accident injuries, sports injuries, chronic joint pain, TMJ, and frequent muscle spasms.

During your first visit, the chiropractor will give you a full examination and ask for details about how your injuries have impacted your life. They may also take an x-ray to help diagnose you. Your first consultation is useful in helping your doctor come up with a treatment plan.


How Much Does Chiropractic Care Cost?

The cost of chiropractic care varies, but it generally ranges from $40 to $100 per session. However, the cost will depend on the type of treatment.

An initial consultation may be free of charge while subsequent spinal adjustments may cost around $100 each. More intensive treatments, like medical massages, will add to the total cost of treatment.

If you’ve ever visited a chiropractor in the past, you may have been turned off by the number of times you “needed” to come back in order to keep your spine aligned and your pain at bay. Multiple visits a week over the course of a year adds up.

But many patients find that regular adjustments make enough of a difference to their quality of life that they don’t want to simply walk away and pursue other treatment methods. Wouldn’t just be easier if their insurance could cover those chiropractor visits?

chiropractic care

Will My Insurance Cover the Chiropractor Cost?

One of the first things you should do is to contact your health insurance company or visit their website to see if chiropractic care is covered by your policy. In many cases, your insurance will only cover certain providers. If you have a specific doctor in mind, it’s a good idea to check whether they are listed as an “in-network” provider.

Oviedo Chiropractic is currently in-network with the following plans:

  • Aetna (*Coming soon in 2020* )
  • Auto Insurance Plans
  • American Specialty Health Networks
  • Cigna
  • Florida Blue Cross and Blue Shield
  • Bright Health
  • Humana
  • PHCS/PHCS Savility
  • United Healthcare
  • Medicare
  • Worker’s Compensation Insurance

However, if your injuries were caused by a car accident, you have another option available to you.

Under Florida law, all motorists must have $10,000 of Personal Injury Protection (PIP) on their auto insurance policy. As long as you seek medical attention within 14 days of your accident, PIP benefits cover the medical costs (and in some cases, lost wages) that you incurred after a car accident. They also cover injuries to any passengers in the vehicle with you during the accident.

The good news? This refers to chiropractic care as well.

However, certain conditions must be met to qualify for the full amount under your policy. If your doctor diagnoses you with an Emergency Medical Condition, or EMC, you will be covered up to $10,000. Otherwise, you will have a $2,500 limit.

doctor pointing to spine model


What If My Insurance Doesn’t Cover Chiropractic Costs?

At Oviedo Chiropractic, we believe that no one should have to forego effective, natural treatments just because their insurance plan doesn’t cover the costs.

In fact, many of our patients seek out chiropractic care because it is a cost-effective alternative to pain medications and/or surgery. If your insurance doesn’t cover chiropractic care or if your co-pay or deductible is unfavorable, this doesn’t have to prevent you from receiving high-quality care. Please contact our Billing Dept. so they can discuss payment options with you.

Ready to feel the difference? Schedule your appointment online with Dr.Cough today!

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Oviedo Chiropractic

2871 Clayton Crossing Way Suite 1073
Oviedo, FL 32765
(407) 542-1614
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