For Eligibility Checks Visit the "CONTACT" tab and submit a request
How Insurance Works for Chiropractic Care
We get it—health insurance can be confusing, especially when it comes to chiropractic care. Here’s a simple breakdown to help you understand how it works:
1. Many insurance plans cover chiropractic care.
In California, most major insurance companies include chiropractic benefits in their plans. Coverage for most plans are limited to an exam and spinal adjustments. That said, coverage varies depending on your specific plan.
2. Some plans have limits.
Your insurance may limit how many visits you can use per year, or it may only cover care that is considered “medically necessary” (for example, for pain, injury—not just wellness or maintenance or performance improving). Medical Necessity is determined by your insurance and not by us.
3. We will verify your benefits.
Before your first visit, our office can verify your chiropractic benefits. We’ll let you know what your plan covers, how many visits you have, and what your copay or deductible looks like. Verification of benefits is not a guarantee of payment. This information may change at the discretion of your insurance. Visit the "CONTACT" tab to submit a request.
4. You may have out-of-pocket costs.
Even with coverage, you might still have a copay (a set fee per visit) or have to meet a deductible (an amount you pay out of pocket each year before your insurance kicks in). If your insurance doesn’t cover something, we’ll always let you know in advance.
5. We bill your insurance directly.
If we’re in-network with your insurance, we’ll submit the claims for you so you don’t have to worry about paperwork. If we’re out-of-network, we can provide a receipt (called a “superbill”) that you can submit for possible reimbursement.
Frequently Asked Questions (FAQ)
1. Does my insurance cover chiropractic?
That depends on your specific plan. Many plans do, but each policy is different. We’re happy to check your benefits for you before you start care. You may visit the "CONTACT" tab to submit a request.
2. What’s a copay and what’s a deductible?
A copay is a small fee you pay at each visit (like $10–$40). A deductible is the amount you pay out of pocket before your insurance starts covering care. We’ll explain what applies to you based on your plan.
3. How many visits am I allowed per year?
Some plans give you a set number of visits (like 12 or 20), while others allow unlimited visits as long as they’re medically necessary. We’ll review that info with you.
4. Can I use chiropractic care for wellness or maintenance?
Yes—but insurance often won’t pay for “wellness” visits that aren’t tied to a specific condition (like pain or injury). Many of our patients choose to pay out of pocket for ongoing wellness care after insurance ends.
5. What if I have Kaiser or an HMO?
Some plans like Kaiser Permanente contract out to third-party networks like ASH (American Specialty Health). If your plan includes chiropractic, we’ll work through that network and let you know what’s covered.