Chiropractic Insurance & Payment Guide

Most health insurance plans provide some coverage for chiropractic care, though the extent varies. Many plans cover a certain number of visits per year, often 20-30 visits. Coverage typically requires that care is "medically necessary." We recommend verifying your specific benefits before treatment.

We work with most major insurance carriers. Common plans include Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, Humana, and Medicare. We also accept auto insurance (PIP) for accident injuries and workers' compensation for workplace injuries.

In most cases, no referral is needed. Chiropractors are primary care providers, meaning you can see us directly without a physician referral. However, some HMO plans may require a referral. Check your specific plan requirements.

Costs vary depending on the services needed. Initial examinations typically range from $75-$150, while follow-up adjustments are usually $40-$75. We offer affordable self-pay rates and can discuss payment options during your consultation.

Yes! Chiropractic care is an eligible expense for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). You can use these pre-tax funds for exams, adjustments, X-rays, and other chiropractic services.

Yes, Medicare Part B covers chiropractic adjustments when medically necessary to correct a subluxation. However, Medicare only covers the adjustment itself—not exams, X-rays, or other services. We can help you understand your Medicare benefits.

Auto accident injuries are typically covered by auto insurance, not health insurance. In Colorado, PIP (Personal Injury Protection) coverage pays for medical treatment regardless of fault. We work directly with auto insurers and can help with documentation for claims.

You can call the member services number on your insurance card and ask about chiropractic benefits. Key questions: Do you cover chiropractic? How many visits per year? What's my copay/coinsurance? Is there a deductible? Do I need a referral? We can also verify benefits for you.