As Chicago summer kicks off, Chicagoans and fellow Lincoln Parkers are going to be outside more, playing beach volleyball, softball, going to the beach, and being on the lakefront.  With what makes Chicago great during summer, it can also lend itself to injury/pain from being more active.  If an injury happens, a fellow Lincoln Parker may have to consult with a chiropractor to address pain to ensure one does not miss additional time from their sport and activity. Commonly, one will want to use their insurance to pay for care and this discuss insurance and what to ask/look for.

In fact, many health plans offer some level of chiropractic coverage, but the amount covered depends on your specific insurance policy, your chiropractor’s network status, and the type of treatment you receive. It is important to note that all chiropractors accept insurance, but you have to determine if an office is in-network with your insurance.

What Types of Insurance Do Chiropractors Commonly Accept?

Many chiropractic offices accept:

• Private health insurance (PPO, HMO, and EPO plans) of the major carriers (Aetna, United HealthCare, Blue Cross Blue Shield, and Cigna)
• Employer-sponsored insurance plans
• Medicare (for qualifying chiropractic services)
• Workers’ compensation claims
• Auto accident (personal injury) insurance claims where applicable

Does Insurance Cover Every Chiropractic Visit?

Not always. Insurance plans often have requirements and limitations, such as:

• A deductible that must be met before coverage begins
• Copays or coinsurance for each visit
• A limit on the number of covered visits per year
• Prior authorization or a referral requirement (especially with some HMO plans)
• Coverage only for treatment considered medically necessary rather than ongoing wellness or maintenance care

In-Network vs. Out-of-Network Chiropractors

An in-network chiropractor has an agreement with your insurance company and typically offers lower out-of-pocket costs. An out-of-network chiropractor may still accept your insurance, but your benefits may be reduced, or you may have to pay more upfront.

How Can You Find Out If Your Insurance Is Accepted?

The easiest way is to call the chiropractic office and provide your insurance information. Many offices can verify your chiropractic benefits for you and explain:

• Whether they are in-network with your insurance
• Your estimated copay or deductible
• The number of visits your plan covers
• Any referral or authorization requirements

The Bottom Line

Most chiropractors do accept insurance, but coverage varies by plan.
Before scheduling your first appointment, it is always a good idea to ask about your insurance verify your benefits so you understand your expected costs and coverage.