Does Medicare Cover Chiropractic

Chiropractic care is a popular treatment for back pain, spinal issues, and overall wellness. But many people wonder: Does Medicare cover chiropractic care? The answer depends on what type of chiropractic service you need and how Medicare categorizes it.

Quick Answer 

Yes, Medicare covers chiropractic care, but only for manual spinal manipulation to correct a subluxation (misaligned spine). Other chiropractic services, such as massage therapy, x-rays, or acupuncture performed by a chiropractor, are not covered.

What Chiropractic Services Does Medicare Cover?

Medicare Part B covers medically necessary spinal manipulation when performed by a licensed chiropractor. This includes:

• Manual spinal adjustments to treat subluxations.

• Unlimited number of visits if deemed medically necessary.

What Is Not Covered by Medicare?

While Medicare does cover spinal manipulation, it does not pay for:

• Routine chiropractic exams

• Massage therapy

• Acupuncture performed by chiropractors

• X-rays or diagnostic tests ordered by a chiropractor

If additional diagnostic tests are needed, they must be ordered by a physician, not the chiropractor.

Out-of-Pocket Costs

Even with coverage, you may still pay:

• 20% coinsurance under Part B

• Medicare Part B deductible before coverage begins

• Additional costs if your chiropractor doesn’t accept Medicare assignment

Alternatives to Save Money

• Medicare Advantage Plans (Part C) may offer broader chiropractic coverage.

• Supplemental insurance (Medigap) can help with coinsurance and deductibles.

• Private insurance may cover services that Medicare excludes.

Key Points

• Medicare covers chiropractic only for manual spinal manipulation to correct subluxations.

• Routine care, massage therapy, and x-rays are not included.

• You’ll pay 20% coinsurance plus the Part B deductible.

• Medicare Advantage or Medigap plans may reduce out-of-pocket costs.

FAQ

1. How many chiropractic visits does Medicare cover?
There is no set limit, but visits must be medically necessary.

2. Do I need a referral for chiropractic care under Medicare?
No referral is required, but the chiropractor must be Medicare-approved.

3. Are x-rays covered if ordered by a chiropractor?
No, Medicare does not cover x-rays ordered by chiropractors. Only physicians can order covered diagnostic tests.

4. Does Medicare cover acupuncture?
Yes, but only for chronic low back pain and only when performed by an approved provider—not chiropractors.

CTA

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