Does Health Insurance Cover Chiropractic Treatment?

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Nevada Insurance Enrollment Explains That Your Plan May Feature Some Coverage for Chiropractic Care

LAS VEGAS - eTradeWire -- According to the American Chiropractic Association, approximately 35 million Americans go to a chiropractor every year. This type of care is particularly helpful for treating back pain resulting from a car accident, work or exercise-related strain or an injury. Seeing a chiropractor can be expensive, but fortunately, most health insurance companies provide coverage for treatment.

How Does Health Insurance Cover Chiropractic Treatment?
The Affordable Care Act includes 10 categories of essential health benefits that all major health insurance plans are required to provide. Among these benefits is coverage for habilitative and rehabilitative services that help those with injuries or illnesses regain physical skills.

While this does not expressly include chiropractic care, most health insurance plans cover this treatment option. In fact, it is estimated that roughly nine out of 10 workers have chiropractic care covered under their employer-subsidized health insurance. In some cases, health insurance companies require policyholders to get referrals from their doctors before making an appointment with a chiropractor.

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Does Health Insurance Cover Maintenance Chiropractic Care?
While your health insurance company may cover short-term chiropractic care to treat a specific injury, it probably does not cover maintenance care, or care that you get on a regular basis to maintain your health rather than treat a condition. That is because many health insurance companies do not see maintenance chiropractic care as a medical necessity. While they may cover care to help policyholders recover from an injury, they are unlikely to cover services that do not have a clear benefit or bring about signs of improvement. Some plans may cover "Manual Manipulation" which applies to Medical-Physician Services and Chiropractic office visits. These benefits may be subject to a maximum benefit of twenty (20) visits per insured per calendar year. You will need to look at your individual plan's "Summary of Benefits" guide or "Agreement of Coverage" to verify these benefits.

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Learn more:

Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032

(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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