Will Insurance Cover Chiropractic Services?
- Posted on: Oct 31 2018
If you’re in need of chiropractic services, one of your first major questions may be about payment. Will you have to cover all of your chiropractic visits yourself, or does your insurance policy cover some or all of the costs? Of course, it’s hard to give specific information about chiropractic coverage because each insurance policy is a little different, but overall, at least some of the cost of your chiropractic services should be covered.31
Why Does Coverage Vary?
Every insurance policy treats surgeries, hospital stays, prescriptions, and other medical costs differently, and chiropractic services are no different. However, they are often under a little more scrutiny because some insurance policies consider them to fall under the umbrella of Complementary and Alternative Medicine. CAM coverage can differ wildly from policy to policy. Some may not want to cover it at all, while other policies may fully pay for your visits to the chiropractor.
To determine how much your insurance will pay, you’ll need to either work with your chiropractor’s office or contact your insurance company directly. In addition to insurance, programs such as Medicare and Medicaid may also cover some or all of the costs of visiting a chiropractor.
In addition to insurance and Medicare/Medicaid coverage, there are a number of other programs that will pay for some or all of your chiropractic services. Those who are in the military can receive chiropractic care at a number of different military bases, while veterans can make use of the chiropractic services offered at many VA medical facilities.
For those who are injured at work, workers’ compensation programs cover chiropractic care. While this once varied from state to state, today, all 50 states include chiropractic services in their worker’s comp laws.
In addition to receiving coverage for your chiropractic services, the IRS also allows you to deduct this expense as a medical deduction. This means even if you do have to pay some of your chiropractic costs, you may be able to lower your tax bill by including the cost as an itemized deduction.
Need a Chiropractor?
If you’re in need of chiropractic services in New York, Maximum Orthopedics is here to help. Contact us today to schedule an appointment.