Does Insurance Cover Chiropractic Care?

It’s easy to cringe away from certain medical treatments when you think you (or your wallet) might undergo some level of pain in receiving service, no matter how necessary it might be.

But visiting your chiropractor doesn’t have to be that way.

Like most other medical services, you can likely rely on your insurance to help you cover the cost of visiting your specialist — it’s simply a matter of knowing the ins and outs of your coverage, as well as what kind of treatment you’re seeking.

So if you’re wondering how much you might need to pull out of your pocket upon treatment, here’s what to keep in mind:

What Your Insurance Is Likely To Cover

The good news is that most insurances will cover at least some level of chiropractic care in the case of medical necessity or basic spinal adjustment.

In fact, according to the American Chiropractic Association, approximately 87% of Americans who have medical insurance will find chiropractic care included in their health care plan.

Medicare, for example, specifically covers “manual manipulation of the spine if medically necessary to correct a subluxation when provided by a chiropractor or other qualified provider.”

In the case of appointments without a physician’s referral or routine “wellness” visits, however, your insurance may not be willing to help you front the cost.

Some of the biggest Florida providers who typically include chiropractic treatment in one way or another are:

  • Aetna
  • Blue Cross Blue Shield of Florida
  • Cigna
  • Humana
  • UnitedHealthCare


That said, your out-of-pocket costs, as well as other specific details, are dependent upon your individual plan. So, if you aren’t sure what portion of the cost your provider will cover, be sure to reach out to them and ask.

In the Case of An Auto Accident

Under the Florida Personal Injury Protection law, or PIP, you are most likely provided with $10,000 worth of medical expense and fee coverage if you find yourself injured in a car accident — even if you were the driver at fault.

Following a car accident, your physician may refer you to a chiropractor to help you manage any resulting pain or misalignments.

In this case, the PIP funds you receive would help you cover the medical cost of visiting your chiropractor.

Ultimately, pain is not something you have to live with — nor is it something you should have to break the bank over. If you believe chiropractic care would be to your benefit, be sure to contact Sunrise Body Revival Chiropractic and Medspa at 813-769-9258 and set up an appointment. We’re here to help you alleviate pain, prevent injury, and optimize your health.