Do Insurance Plans Cover Chiropractic?
Yes. Chiropractic care is included in most health insurance plans, including major medical plans, workers’ compensation, Medicare, some Medicaid plans, and Blue Cross Blue Shield plans for federal employees, among others. Chiropractic care is also available to active-duty members of the armed forces at more than 60 military bases and is available to veterans at 36 major veterans medical facilities.
Most insurance plans provide coverage to address stages of care that target resolution of active, acute and chronic conditions. Not all insurance plans cover maintenance care or annual checkups.
A referral is usually not needed to see a doctor of chiropractic (DC); however, your health plan may have specific referral requirements. You may want to contact your employer’s human resources department—or the insurance plan directly—to find out if there are any referral requirements. Most plans allow you to just call and schedule an appointment with a DC.