How to Get Health Insurance to Cover Chiropractic Care

by Contributor ; Updated October 25, 2017
A chiropractor holding a client's back and arm during treatment.

Items you will need

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

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.

Get Health Insurance to Cover Chiropractic Care

Step 1

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.

Step 2

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.

Step 3

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.

Step 4

Look for more information about insurance coverage and rights of the insured online at the Insurance.com Web site (see Resources below).

Tips

  • 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.

Warnings

  • Even with insurance coverage, chiropractic care usually comes with a moderately expensive pricetag. You will want to receive an estimate from your chiropractor about the duration of treatment your condition requires.

    Don't be discouraged if you have trouble getting coverage for your chiropractic visits. Keep the situation in perspective and remember how important pain relief is to your overall well being.

    If you experience acute abdominal pain along with severe back pain, consult your doctor immediately or seek emergency assistance.

    Before you start any alternative medical technique, be aware that many have not been scientifically evaluated. Often, only limited information is available about their safety and effectiveness. Each state and discipline has its own rules about how alternative medicine practitioners are licensed. If you decide to visit one, choose one licensed by a recognized national organization. Consult your primary health care provider and keep your doctor informed about the alternative medical technique you undertake.

Photo Credits

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