Does Medicare cover a chiropractor?

Does Medicare cover a chiropractor? Medicare Part B will cover spinal manipulation to treat spinal subluxation. Medicare Advantage may cover chiropractic care, but your policy will vary on coverage options and limits. You can use Medigap for your out-of-pocket expenses. Read more below to learn about Medicare chiropractic coverage.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 5, 2021

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The Highlights

  • Medicare Part B will cover 80 percent of the expenses of spinal manipulation to treat spinal subluxation.
  • Medicare Advantage may cover chiropractic care, but you will need to refer to your individual policy.
  • Medigap can help cover the out-of-pocket expenses for chiropractic care.

Does Medicare cover a chiropractor? The answer to this question is: maybe. It will depend on the plan type and your policyholder.

Read more below to learn about how each Medicare health insurance plan will vary in their coverage options for chiropractic care.

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Does Medicare Cover a Chiropractor?

Medicare may cover chiropractic care, but it depends on the plan type. We’ll review chiropractic care coverage for each plan type below.

Medicare Part A

Medicare Part A does not cover outpatient care, which includes chiropractic care.

Medicare Part B

Medicare Part B covers outpatient care that is considered medically necessary or preventative. It considers spinal manipulation to be an approved treatment for spinal subluxation. This means that it will cover a certain number of chiropractic treatments, depending on how many are necessary for your condition.

Medicare Part B will cover 80 percent of the costs after you meet your deductible ($203 per year in 2021).

It will not cover other treatments ordered by your chiropractor, such as x-rays, massage therapy, or acupuncture.

Medicare Advantage

Medicare Advantage plans are private health insurance plans approved by the federal government that act as your primary insurance. Therefore, whether or not they cover chiropractic care will depend on the individual insurance policy.

They may cover more than what Medicare Part B does, but you will have to refer to your policyholder to understand your coverage options and limits.

Medigap

Since Medigap is a policy that is intended to cover the out-of-pocket expenses of other Medicare plans, it does not cover chiropractic care in and of itself. However, if you have Medicare Part B and are approved for chiropractic care, your Medigap insurance could help pay the deductibles and copayments or coinsurance.

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Conclusion

Medicare Part B covers spinal manipulation for spinal subluxation. Medigap can help pay the out-of-pocket expenses associated with this coverage.

Medicare Advantage may cover more than just these chiropractic services, but it will depend on the individual policy.

If you need help finding the right health insurance for you, you can use our free quote tool below to compare health insurance quotes.

References:

    1. https://www.medicare.gov/coverage/chiropractic-services

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