Health Library
Do Insurance Companies Cover Chiropractors? The Glen Chiropractic, Minnetonka MN
What most plans actually cover, the terms worth knowing before your first visit, and what changes when your injury is from a car accident.
Most health insurance plans include some chiropractic coverage. Whether a visit is covered, and how much you owe, depends on your specific plan type, whether The Glen is in-network, and whether the visit is considered medically necessary.
Does Insurance Cover Chiropractic Care?
A commonly cited figure is that around 87% of health plans include some form of chiropractic coverage. How much of that coverage applies to you depends on whether your plan is a PPO or HMO, whether your provider is in-network, and whether the visit meets your insurer's definition of medical necessity. Medicare specifically covers chiropractic care for spinal alignment correction.
Understanding Copays, Deductibles, and Coinsurance
A few terms come up on almost every claim. A copay is a fixed amount you pay per visit. A deductible is what you pay out of pocket before insurance starts covering care. Coinsurance is the percentage you and your insurer each pay after that deductible is met.
Without insurance, what you pay depends on what the visit includes. A first visit with an exam and any needed imaging costs more than a routine follow-up adjustment. Call the office before your visit and we will tell you the current self-pay rate for the care Dr. Hoffman recommends.
Coverage, Costs, and Options
Filing a Claim, or Paying Without One.
What a Claim Typically Needs
Some plans also require a referral or pre-authorization before starting care, so it is worth calling ahead to check.
If You Don't Have Coverage
What About Auto-Accident Injury Claims?
If your injury is from a car accident, your claim may run through auto insurance or PIP coverage rather than your regular health plan. The process still generally needs the same kind of documentation, so treatment notes and a clear diagnosis matter just as much. Our auto accident chiropractic care page has more detail on how that path works at The Glen.
Before You Book
A few habits make coverage easier to use well: check your coverage before starting treatment, schedule early in the year while your deductible is fresh, ask about coordinating benefits if you have two insurance plans, and watch for visit-limit caps, commonly somewhere between 12 and 30 visits a year depending on the plan.
The office at The Glen Chiropractic & Acupuncture in Minnetonka can help patients check their specific benefits before starting care, and offers flexible ways to move forward regardless of your coverage situation.
Insurance Questions
Coverage, Explained Simply.
Many plans include some chiropractic benefit. Coverage depends on your plan type and whether the visit is considered medically necessary, so we recommend calling our office to verify your specific benefits before your first visit.
A copay is a fixed amount you pay per visit. A deductible is what you pay out of pocket before insurance starts covering care. Coinsurance is the percentage you and your insurer each pay after that deductible is met.
Often, yes. Car accident injuries are frequently billed through auto insurance or PIP coverage rather than your regular health plan. Our auto accident chiropractic care page has more detail on how that process works.
You still have options, including monthly payment plans, HSA or FSA funds, CareCredit financing, and sliding-scale fees. Call our office and we will help you find a way to move forward.
Many plans cap chiropractic visits somewhere between 12 and 30 per year. Check your specific plan, since this varies quite a bit from one insurer to the next.
Not sure what's covered? We'll help you check.
Your $79 New Patient Special includes a consultation, an exam, and an adjustment.