How to Check Your Chiropractic Insurance Benefits

​At our office, patients are responsible for knowing and understanding their chiropractic insurance coverage. 

Below is a simple guide to help get basic information. Call the Member Services phone number on the back of your insurance card or login to your insurance website. Understand that this is just an estimation of benefits. You may not truly understand how they cover care until you receive an explanation of benefits, which usually arrives in the mail or you can access on your insurance website.

Estimation Of Chiropractic Insurance Benefits

Insurance Company Name

Is Chiropractic Care Covered? Select an option Yes No Only with referral

Not all plans include chiropractic care. Confirm coverage first.

In-Network Copay or Coinsurance

Amount you pay per visit, either flat fee (copay) or percentage (coinsurance).

Out-of-Network Copay or Coinsurance

Higher costs usually apply if the provider is not in-network.

Does Deductible Apply to Chiropractic? Select an option Yes No

Some plans apply the deductible before chiropractic care is covered.

In-Network Deductible

Amount you pay for in-network services before insurance coverage starts.

Out-of-Network Deductible

Amount you pay for out-of-network services before coverage begins.

Out-of-Pocket Maximum

The most you will pay for covered services in a year.

Annual Visit Limit

Check if there’s a cap on the number of visits allowed.

Is a Referral Required? Select an option Yes No Only for certain providers

Some plans require a referral from your primary care doctor.

Is Preauthorization Required? Select an option Yes No Sometimes / Depends

Some insurance requires approval before care begins.

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