Yes, many health insurance plans, including private insurance, Medicare, and some Medicaid plans, cover chiropractic care when it’s medically necessary. Coverage varies by provider, plan type, and condition treated.
Does Insurance Cover Chiropractic Care?
In most cases, yes. Many insurance providers recognize chiropractic care as a safe, effective treatment for musculoskeletal conditions like back pain, neck pain, and joint dysfunction.
At PT & Chiro of Miami, we work with most major insurance carriers and can help you understand exactly what’s covered before you begin care.
Types of Insurance That Commonly Cover Chiropractic
- Private/Employer-Sponsored Health Insurance: Most PPO and HMO plans include chiropractic benefits for medically necessary care.
- Medicare: Covers manual spinal adjustments for subluxation (misalignment), though additional therapies may be out-of-pocket.
- Medicaid: Coverage varies by state. Florida’s Medicaid may cover chiropractic in limited cases.
- Auto Insurance (PIP): If you’re injured in a car accident, personal injury protection (PIP) often covers chiropractic care.
- Workers' Compensation: May cover chiropractic treatment if the injury is work-related and approved by your insurer or case manager.
What Chiropractic Services Are Typically Covered?
Coverage often depends on whether your care is considered medically necessary. Most plans cover:
- Initial evaluation
- Spinal adjustments (manual therapy)
- Rehabilitative therapies
- Short-term care for acute conditions
Some services may not be covered unless prescribed by a medical doctor, including:
- Massage therapy
- Electrotherapy (e.g., TENS units)
- Maintenance or wellness visits
- X-rays (sometimes)
How to Check If You’re Covered
We recommend calling your insurance provider directly or contacting our front desk at PT & Chiro of Miami. We’ll be happy to:
- Verify your chiropractic benefits
- Check if a referral or prior authorization is required
- Explain any deductibles, copays, or visit limits
Do I Need a Referral?
Some plans require a referral from your primary care physician, especially those with HMOs. Others, like most PPOs, allow direct access to a chiropractor without a referral.
What If I Don’t Have Insurance?
We offer affordable cash rates and flexible payment options for uninsured patients or those with high deductibles. Your health shouldn't wait.
Frequently Asked Questions (FAQ)
Does Medicare cover chiropractic care?
Yes. Medicare Part B covers spinal adjustments for subluxation when medically necessary, but not exams, X-rays, or adjunctive therapies.
Are wellness or maintenance chiropractic visits covered?
Usually not. Most plans only cover active treatment for a specific condition, not preventive or ongoing wellness care.
How many visits does insurance cover?
It varies. Some plans allow 12–20 visits per year, while others offer unlimited care with documentation of medical necessity.
Do you accept auto accident or workers' comp insurance?
Yes. We accept PIP and work-related injury claims. We’ll help with the paperwork and authorization process.
Will I have a copay for chiropractic visits?
Possibly. Depending on your plan, you may have a fixed copay or coinsurance. We’ll clarify costs before your first visit.
Need Help Understanding Your Coverage?
At PT & Chiro Miami, we make it easy to get the care you need, without financial guesswork. Our team is here to help verify your insurance, answer your questions, and guide you every step of the way.
Contact us today to book your appointment or verify your benefits.
Dr. Joseph Hudson
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