Does Medicare cover chiropractic costs?
If you’ve recently injured your back or are struggling with chronic pain, you might find it helpful to go to a chiropractor and receive spinal adjustments. This procedure is useful, but sessions can add up if you’re paying out of pocket.
When you’re on Medicare, individual chiropractic costs are covered, but only for particular ailments. Keep reading to learn more about the different types of Medicare and what they cover in terms of chiropractic care.
Does Medicare Cover Chiropractic Procedures?
The answer to “does medicare cover my chiropractic costs?” is sometimes, and usually only as a treatment for specific injuries.
Here is a breakdown of each type of Medicare and what kind of chiropractic procedures it covers, so you have all the information you need before booking an appointment.
1. Medicare Part A
Unfortunately, Medicare Part AMedicare Part A is hospital inpatient coverage for people with Original Medicare, whereas Part B is medical coverage for doctor visits, tests, etc.... does not cover chiropractic services. Part A covers hospital care and emergency services. Chiropractic care doesn’t qualify as an emergency service, since it’s typically an elective service in a doctor’s office, not a hospital.
2. Medicare Part B
Part B goes beyond Part A in that it covers emergency needs as well as preventative care. What services qualify as preventative care are sometimes challenging to define, but services like flu shots or a yearly visit to your primary care physician usually qualify.
Medicare Part BMedicare Part B is medical coverage for people with Original Medicare. It covers doctor visits, specialists, lab tests and diagnostics, and durable medical equipment. Part A is for hospital inpatient care.... covers spinal adjustments, but only as a treatment plan for a condition called a spinal subluxation. To get this procedure covered, you’ll need to work with a licensed chiropractor to provide an official diagnosis.
The number of treatments Part B covers will also depend on your situation and how many visits your doctor thinks you need. Part B will cover 80 percent of your costs after you meet your yearly deductible. Medicare will not, however, cover any extra tests (such as X-rays) that your doctor orders as a part of your treatment plan.
3. Medicare Part C
Private insurance companies offer Medicare Part C plans, also known as Medicare Advantage. Many Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B).... offer chiropractic care coverage, but if you have one, you’ll need to contact your primary insurance provider to find out which procedure it covers. If you have Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage.... benefits, and you need more coverage for chiropractic care, the Medicare Advantage Plan Finder tool will help you find a plan with chiropractic coverage.
4. Medigap
Medigap plans are also called Medicare Supplement plansMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage..... These plans help you fill in some coverage gaps in your primary Medicare plan. Purchasing a Medigap plan may be able to help you cover your copaysA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service.... and deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.... for your chiropractic treatments if you require manual manipulation of the spine (if medically necessary) to correct a subluxation.
Learn More About Paying for Chiropractic Care
If the answer to “does Medicare cover chiropractic?” wasn’t what you wanted to hear, there are other ways to pay for treatment. First, you can speak to your doctor and see if they offer different payment plans that will make your bills more manageable.
Another option is choosing a Medicare Advantage plan that covers more chiropractic services. MedicareWire can help you find the Medicare plan that’s right for you and your unique needs. Use our plan finder tool and compare the top Medicare Advantage plans near you so you can find one that suits your healthcare needs.
Important: Your doctor may recommend you get services more often than Medicare covers. Or, they may prescribe services that Medicare does not cover. When this happens, you may have to pay some or all of the costs out-of-pocket. Ask your doctor questions until you fully understand why your doctor is recommending services. Be sure to ask “Does Medicare Cover Chiropractic Care for Seniors?” before you agree to receive the chiropractic care you need.