Do insurance plans cover chiropractic?

Todd Lloyd
July 3, 2022

Insurance plans have been covering chiropractic care since the 1970s. In the 1980s we saw a tremendous growth of insurance plans except in chiropractic, and it was a real boon to chiropractic care as a profession. Since then, chiropractic has enjoyed a reputation of being the go to professional for conservative neck pain, low back pain, and headaches. Seeing a chiropractor is now in the public perception of a back pain professional.

Some insurance companies will cover chiropractors whether they are in network or out of network. You don't need to use your insurance to see a chiropractor. Many of the best chiropractors in the nation do not accept insurance, as insurance rules can be time consuming and low value for many professionals. Chiropractic care tends to be pretty inexpensively compared to other medical procedures, so many patients don't mind paying out-of-pocket for their care.

An important type of insurance that you can use for your chiropractic care is in the event of a car accident. Car insurance companies cover chiropractic care, especially when you pay just a little bit extra for a medical payments policy or personal injury protection policy. But even if you don't pay for that sort of coverage, your insurance company will cover your chiropractic care in the event of a car accident, but you need to find a chiropractor who treats with a lien. This office treats with personal injury liens whether you have a personal injury attorney or not.

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