Does Insurance Cover Chiropractic Care?
Yes. Most health insurance plans now cover chiropractic care – including Medicare and Medicaid.
As with other health benefits, there may be some restrictions and guidelines you may need to follow to ensure coverage of your chiropractic treatments, but chiropractic care is covered. Read on to learn more about what is covered and why as of January 2020 government-run health insurance programs like Medicare and Medicaid now approve chiropractic coverage.
Why Does Medical Insurance Cover Chiropractic Care?
The number one reason an insurance company provides any benefit is that it saves them money. Of course, benefits must be proven to be effective as well. For example, many insurers began covering fitness programs because they’re cheaper than treating heart disease and diabetes. That wasn’t just a guess, though. Studies prove that people who exercise regularly are typically healthier and suffer from fewer chronic illnesses than people who don’t.
Medical insurers would not cover chiropractic care if it had not been proven effective in treating a variety of musculoskeletal issues. Your insurance company may cover the following chiropractic services:
- Back pain
- Chronic pain management
- Neck pain
- Spinal manipulation to treat a subluxation
Most insurance will also cover x-rays to help diagnose your issue.
Manual manipulation of the spine to treat low back pain is the most commonly covered chiropractic treatment. For particular information about the benefits covered by your plan, please refer to your health insurance policy. Or, call our office and we’ll work with you and your insurer to verify your chiropractic coverage.
What Types of Health Insurance Cover Chiropractic Care?
In addition to private insurance, such as group plans provided by employers or individual policies you buy through the Affordable Care Act (ACA, more commonly known as Obamacare), most government-run insurance programs now cover both chiropractic care and acupuncture. This includes:
- Medicare is the federal health insurance program that serves American citizens age 65 and older as well as those who qualify due to disability, amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease), or end-stage renal disease (ESRD).
- Medicaid is state-run health insurance. In Arizona, Medicaid is known as the Arizona Health Care Cost Containment System, or AHCCCS.
- The Veteran’s Administration, or VA, provides healthcare to members of the United States armed services.
Federal employee insurance plans also cover treatment provided by a licensed chiropractor.
While most private insurance companies have covered chiropractic care for more than 20 years, government-run health insurance programs did not approve chiropractic coverage until January of 2020. As per the Centers for Medicare & Medicaid Services (CMS), this change is due to the opioid epidemic. CMS determined that chiropractic care and acupuncture offered a safe, effective way to resolve low back pain. The goal is helping beneficiaries avoid highly addictive pain pills.
When Does Insurance Cover Chiropractic Care?
Insurance coverage for chiropractic treatment varies depending on who your provider is and the type of plan you have. At a minimum, most insurers require you to visit a chiropractor who is licensed to practice in your state. They may also require a short-term treatment plan coordinated with your primary care physician.
Do I Need a Referral to See a Chiropractor?
In some cases, you may need a referral from a healthcare provider to see a chiropractor. This is more common if your plan is a health maintenance organization (HMO). Most HMOs use a provider network and require referrals to see a specialist. However, not all insurance plans have this requirement. You need to check with your plan. Or, again, call us and we can help.
What Insurance Does Southwest Spine & Rehab Accept?
At Southwest Spine & Rehab, we accept most major insurance. This includes:
- Blue Cross Blue Shield
- Many Medicare Advantage plans
- Medicare Part B
If you have a Medicare Supplement plan, please let us know to ensure proper billing.
Insurance Accepted at Southwest Spine & Rehab Chiropractic [Table]
|Accepted Insurance Plans||Accepted Insurance Plans|
|AMERICAN SPECIALTY HEALTH||AETNA|
|MEDICARE PART B||MOST AETNA MEDICARE PLANS|