Is Chiropractic Care Covered By Insurance?

insurance coverage for chiropractic care

There are countless health insurance plans available in Minnesota, each with its own limits, rules, and networks. While most health insurance plans may say they “cover” chiropractic care, you will want to dig deeper into the requirements of your plan to know what that means.

Some plans have limits on visits or dollar value, while some even require you to have a referral to a chiropractor from your primary care provider.

Because Integracare features family practice, chiropractic, and physical therapy, our clinic is in-network with most major insurance carriers. This means if you do have a plan that covers chiropractic care there is a fair chance our clinic will be in-network.

Care for work-related injuries or car accidents will be covered under your employer’s plan or your auto insurance respectively. It is quite possible chiropractic care would be covered under an accident like this even if it not normally covered under your personal health insurance.

It is recommended you call your insurance carrier or visit their website to check coverage for chiropractic care.  

What if my insurance company does not cover chiropractic visits?

Williams Integracare offers an insurance alternative for patients that do not have coverage for chiropractic visits!

ChiroHealthUSA (abbreviated CHUSA) is not an insurance plan. CHUSA is a health membership program that gives you access to discounted rates, similar to purchasing a membership to Costco or Sam’s Club.

A one-year membership costs $49 per year. You can inquire with our staff at the clinic and find out how much you can expect to save on your visits. Because CHUSA is a national program, it may be accepted at another chiropractic office as well (for example if you winter in another state and want to see a chiropractor there).

How do I know if I am eligible for CHUSA?

Anyone can sign up for CHUSA, there are no qualifications that you must meet to be eligible to sign up. It is important to note that CHUSA can not be used with your health insurance plan on your chiropractic visits. So if your health insurance plan does offer some savings on your chiropractic visits, you can not double up these savings by also signing up for CHUSA.