Does Health Insurance Cover Chiropractic Care?

Does Health Insurance Cover Chiropractic Care?

If your health insurance changed or switched in the new year, you might be wondering does insurance cover chiropractic care? The good news is yes! Many insurances help cover the cost of chiropractic and rehabilitative care.  

Many chiropractors accept most major insurance plans. They can also accept personal injury and workers’ compensation claims. If you’ve recently been in a car accident you may even qualify for free coverage through your car insurance. 

To find out if your insurance covers chiropractic care, give your chiropractic office a call and their scheduling team should be able to verify for you. You can also call on your own to verify and understand your benefits. Ask if Chiropractic and Physical Therapy services are covered under your plan. Some Doctors are Chiropractors with Physical Therapy Privileges so it is important that you find out what both benefits are even if you feel you will only receive one of the services.

man getting a neck adjustment at chiropractor using his health insurance plan

What If I Have a Deductible for Chiropractic and Physical Therapy? 

Does insurance cover chiropractic care? If your insurance is in-network with your chiropractic office, the chiropractic office will bill your health insurance and a claim will be processed. When a claim is processed, your health insurance will reduce the amount charged down to an agreed upon contracted amount with the chiropractor.

If you have a deductible, they will apply the amount towards the deductible and that amount will be collected from you. Each visit will go toward your deductible in equal amounts. Many offices are able to estimate the amounts for you at each visit so that you can keep paying in smaller increments rather than receiving a larger bill later on once the claims have processed.  

Once you have met your deductible, there is usually a benefit that follows such as a copay or a coinsurance. This is where the insurance pays a portion of the contracted rate and you are responsible for either a flat fee (copay) or a percentage of the contracted rate (co-insurance). Since these costs are based off of the services that are performed, the amount billed for each visit may vary.  

picture of 6 blocks showing health care options

What If I Don’t Have Insurance or I’m Not In-Network? 

If you don’t have health insurance, have limited coverage or are out-of-network, don’t worry! Many chiropractors, like Kaizo Health, offer affordable self-pay options.  

At Kaizo Health, we work with a medical discount program, called Chirohealth USA, which allows eligible patients to sign up their entire household for only $49 per year and receive discounts on services.  

Once you enroll for $49, your first appointment will cost $160 which includes a full exam, medical history overview, treatment, adjustments and rehabilitative exercises.  

Each follow up appointment is capped at $75 and rehab-only appointments are $60.  

This is a great way to ensure you get the care you need at an affordable rate.  

Did you know that by seeking chiropractic treatment for an injury or pain can help reduce overall medical cost? By choosing chiropractic treatment first, over other types of medical treatment, you can save you time, money and have a reduced risk of various complications compared to surgical interventions. 

In addition, some chiropractors, like Kaizo Health, may even offer interest-free payment plans to help you set up a manageable and realistic payment schedule. Don’t risk your health or credit! Find a chiropractor that will ensure you get the treatment you need at a cost that you can afford. Your health is worth it, we promise.  

What If I Was in a Car Accident?  

If you were involved in a motor vehicle accident, your chiropractor may be able to bill your automobile personal injury protection (PIP) and med-pay coverages to help cover the cost of care. They may also be able to bill your health insurance depending on the case.  

woman using affordable self-pay plan at kaizo health to get chiropractic adjustment on table

What If I Have a Worker’s Compensation Case or Personal Injury Claim? 

If you were injured at work or in a job-related incident, you may be able to have your care covered under a worker’s compensation or personal injury claim. Check to see if your chiropractor is a provider with the U.S. Department of Labor.  

Using Health Insurance for Chiropractic Care 

So does insurance cover chiropractic care? Yes and no. If you have in-network health insurance, chiropractic care can be a great way to receive natural and holistic treatment to help heal your pain. It can save you time, money and the potential for dangerous and expensive surgery.  

However, if you don’t have health insurance that shouldn’t deter you from seeking care! Find a chiropractor that makes care affordable through medical discount programs, self-pay programs, interest-free payment plans and more.  

And be sure to ask about additional benefits such as auto insurance, worker’s compensation or personal injury claims if any apply to you! This could help you save even more on your treatment plan.  

Get Treated at Kaizo Health    

Our goal at Kaizo Health is to always get you back to feeling 100%. Our doctors provide treatment to help you be pain-free. We also have a dedicated team that will work with you and your insurance. We want to make sure you get the most from your benefits. You should experience relief for as little cost to you as possible. If you are ready to experience relief from the pain, make an appointment to see us now.        

Kaizo Health offers locations in Rockville, MD; Landover, MD; Fort Washington, MD; and Fairfax, VA. Our doctors an evidence-based approach by combining chiropractic care and individualized rehabilitative exercises. We provide the treatment and resources you need to recover your health. We are here to help! If you’d like more information, check out our blog. You can also take our free virtual self-assessment on app here