How Much For A Chiropractor Without Insurance? [Expert Advice]

The question how much for a chiropractor without insurance, can be difficult to answer since not all chiropractors are the same, and they don’t all offer the same services.

To help you figure out how much you should expect to pay, we’ve put together this guide on chiropractor insurance.

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We’ll also point out some things you can do to get better deals at your next appointment with your health practitioner and help you avoid unnecessary charges when visiting your health care provider for the first time or seeing them again after an extended time.

What is Chiropractic Care?

Chiropractic treatment, also called chiropractic adjustment or manipulation, is a method of treatment that focuses on improving health and wellness through examination and hands-on therapy.

What’s unique about it is that it relies on manual manipulation of spinal joints to restore mobility in areas that have been afflicted by pain, injury or degeneration.

Chiropractors believe in a holistic approach to medicine. This means treating not only your specific symptoms but also looking at how your body functions as a whole.

When you visit a chiropractor for care, he or she will take x-rays and analyze them with their advanced technology before doing any adjustments so they can get an idea of what needs work.

Who is Chiropractor?

Doctors of Chiropractic (D.C.) are licensed primary-care doctors that help their patients attain wellness by practicing a drug-free, hands-on approach to healthcare.

Doctors of Chiropractic not only treat spine disorders and injuries; they also treat other conditions affecting overall health such as nutritional deficiencies, digestive issues, allergies, and hormonal imbalances.

Chiropractors focus on wellness as opposed to treating symptoms so many D.C.’s will also suggest dietary changes and exercise routines for their patients.

Treatments and Services Offered at a Chiropractor Clinic

In most cases, you’ll be able to find a chiropractor clinic near you that offers a range of treatments and services, including realignment and manipulation of your spine to treat pain and restore mobility.

They might also provide nutritional advice or other lifestyle changes to help alleviate back pain and make sure it doesn’t come back again. Some chiropractors even have massage therapists on staff so they can provide all-inclusive care packages at their offices.

Benefits of a Chiropractor

Chiropractors treat musculoskeletal problems, particularly low back pain and joint pain, by manipulating patients’ bones.

Manipulation typically refers to a hands-on adjustment of a joint in your spine or other body parts. The benefits of a good chiropractor can include:

  • Relief from pain
  • Better posture
  • Improved mobility For some people

These benefits can be life-changing. They may even help prevent future injuries, but not everyone knows where to turn when they want quality health care at an affordable price.

Chiropractic services are usually covered by insurance. After all, if you’re going to pay out of pocket for a doctor’s visit, it’s nice to know what you’re getting yourself into.

So how much does a chiropractor cost without health insurance? If you’ve been searching for an answer to how much a chiropractor cost, look no further.

Insurance For Chiropractic Care

As with any insurance, there are a few things to look out for when deciding on a plan. The first thing to consider is whether or not your chiropractic care will be covered.

Insurance For Chiropractic Care
Credits: Pixabay

Most insurance companies only cover diagnostic services (which help them determine if you have a condition that needs treatment) and do not cover maintenance services.

However, some insurance plans do offer chiropractic coverage; you just need to research your options and see what’s available in your area.

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If you don’t have an insurance policy and aren’t getting employer benefits, then a credit card with flexible spending account could also be a solution for paying for chiropractic care.

The Cost of Chiropractic Care Without Insurance

Chiropractors recognize that some people may not be able to pay full price and offer flexible payment options like discounted services or paying out of pocket (the fee upfront).

The average cost of seeing a chiropractor without insurance is between $50 and $300. However, in-network treatments range from $20 to $40 per visit.

Even if you have health insurance, you’ll still likely have to pay co-pays at your appointment—but they’re usually lower than if you didn’t have coverage.

In most cases, insurers will cover 80 percent of treatment costs and require you to pick up 20 percent. If you don’t have insurance but can afford it, it’s worth looking into signing up for a plan.

You’ll save money on all of your future appointments and won’t have to worry about how much each one will cost when trying to make ends meet. Plus, many plans also include vision care and dental care as well as other benefits, so there’s no reason not to sign up!

How Much For A Chiropractor Without Insurance?

That depends on what service you need. Adjustments are usually $35-$45 each and manipulation is around $50 each. Obviously these are just averages and will vary greatly depending on where you live and which provider you see.

How Much For A Chiropractor With Insurance?

The cost of a Chiropractic treatment can vary greatly, but there are ways to ensure that you pay as little as possible. One way is to have Chiropractic treatment with insurance.

Chiropractors who accept insurance typically charge less than those who don’t because they aren’t directly billing your health plan provider. This can save you anywhere from 5% to 30% on your treatment costs.

Why Does My Insurance Not Cover Chiropractic Treatments?

The insurance industry doesn’t look at chiropractic care as a medical necessity. It is seen as more of an optional treatment (which it can be), so insurers usually won’t cover it unless you have direct authorization from your primary care physician to seek chiropractic care.

The only exception to that rule is if you are dealing with injuries sustained in an accident. Still, some people find that their coverage does not include treatments for conditions such as whiplash or carpal tunnel syndrome.

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Despite what it says on your health insurance card, most insurance companies will not cover maintenance visits or preventative treatments without prior approval.

You may ask where else can I get help paying for my chiropractic treatments?: As mentioned above, many health insurance plans do not cover chiropractic care.

If you want regular adjustments and checkups, you should look into seeing a doctor who accepts Medicare. Medicare Part B covers preventative services and wellness visits with sure doctors.

And there’s always medical financing—an option that allows you to pay off your balance over time instead of all at once. You could also check out dental insurances or group plans through work; just make sure they offer flexible payment options!

Medicare Coverage of Chiropractic Treatments

Like other medical treatments and procedures, chiropractic services are covered by Medicare if they are deemed medically necessary.

Your physician determines medical necessity and decides whether or not to submit a request for coverage from Medicare.

This can be done through an Item Number Request (IRN), where your physician will fill out an online form outlining all of your treatment histories.

The doctor will then explain why chiropractic care is medically necessary, list out all of the treatments you have received so far, and explain any future treatment plans you may have.

Chiropractic Care Cost Factors

Factors like your geographic location and whether you have insurance coverage play a major role in determining what you’ll pay. For example, if you live in an area where chiropractic care is scarce, you may pay higher out-of-pocket costs to receive treatments.

In other regions of the country where there are multiple practicing doctors, you may be able to find lower rates by visiting several offices before choosing one that suits your needs best. Your decision of how much treatment is proper for you will also play a role in your budget at each appointment with your doctor.

How to Save Money Booking an Appointment

The best way to save money when booking an appointment with a chiropractor is to call at least three offices and ask them how much they charge.

Be sure to ask what services are included in their fee and how long your appointment will be. Some chiropractors charge by the hour, and others charge by service (check-in, X-rays, treatment). You should also find out if they offer different price points or discounts (for kids or seniors) or accept health insurance.

The Best Companies That Offer Chiropractor Insurance

Finding the right chiropractor insurance can be difficult, but it’s worth the time and effort to find one that meets your needs.

The Best Companies That Offer Chiropractor Insurance
Credits: Pixabay

Just like with any other type of insurance policy, there are several considerations to keep in mind when choosing a chiropractor insurance plan, such as cost and coverage options.

Once you’ve narrowed down your options based on your budget and coverage needs, you can then compare policies side-by-side to make sure you’re getting the best possible value from your chiropractor insurance provider.


Whether you have a health care plan with limited chiropractic benefits or a high deductible plan, CoCoCare provides chiropractic insurance that gives you access to coverage for services at in-network doctors, who are available 24/7.

It’s an affordable, flexible alternative to traditional plans. Services covered include nutrition counseling and adjustments to address your specific needs.

Coventry Healthcare

More and more insurance companies are doing away with chiropractic care coverage for their patients, and now that Obamacare is around it will likely get worse.

While there are a few major companies left offering chiropractic insurance, Coventry Healthcare is definitely one of them.

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One of their most popular plans is CoventryOne, which covers up to 100% of outpatient services. On top of all that, they also offer in-home treatment benefits as well as massage therapy reimbursement!

Mass Mutual

For over 140 years, Mass Mutual has supported chiropractors. In fact, they provide insurance to hundreds of thousands of clients through their revolutionary program known as Elite Access.

They offer coverage for medical and hospitalization expenses, meaning if you have an accident while on a professional visit or receive treatment at your clinic after a sports injury, Mass Mutual is there to protect you.

Your policy will even cover up to $1 million in legal defense fees should you need it!

United HealthCare

There are two different levels of chiropractic care covered by United HealthCare: primary and preventive.

Both levels of coverage include x-rays, exams, nutritional counseling, and referrals to specialists in other fields when necessary.

For example, if you visit a chiropractor for chronic lower back pain that’s not improving on its own, he or she may refer you to an orthopedist or neurologist for further treatment.

Sun Life Financial

Sun Life is one of a number of insurance companies that provide chiropractors with a variety of benefits and services, including: accident and trauma coverage, hospital indemnity coverage, life insurance, critical illness coverage and wellness programs.


Cigna currently has PPO and EPO plans available in most states. Both plans offer an expansive network of chiropractors, a 24-hour emergency hotline, and claim filing assistance.

Those enrolled in a Cignas health plan can use their Flexible Spending Account (FSA) or Health Savings Account (HSA) to cover co-pays associated with visits to your chiropractor.

VSP Vision Care

If you want to provide your clients with vision insurance plans, VSP Vision Care is a company that provides hundreds of thousands of doctors and specialists with health care plans.

Not only do they offer health coverage but they also offer chiropractic and dental benefits. If you’re looking for more than just vision coverage, then VSP could be a good fit for you.

Crystal Run Healthcare

As an established leader in primary care and outpatient surgery, Crystal Run Healthcare offers its employees a comprehensive employee benefits package.

Along with health insurance coverage, they offer chiropractic plans that provide generous financial assistance toward chiropractic services.

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Employees can receive coverage for themselves and their immediate family members who are also enrolled in Crystal Run’s group plan.

The eligible person(s) is allowed up to four visits per year at a 25% co-insurance rate.


How much does a chiropractor cost with insurance?

Well, that depends. A recent check of rates in major cities around America found a range of prices from as low as $25 to upwards of $350 per session.

Factors affecting pricing include where you live and how much your insurance covers (or doesn’t)

Why are chiropractors so expensive?

One reason chiropractors are so expensive is because of insurance; many providers are not in-network with major insurance companies.

Even chiropractors who accept your plan may charge you a co-pay or out-of-pocket fee to cover overhead costs.

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