What Parts of Medicare Cover Chiropractic Care?
Different parts of Medicare can be used to cover some of the cost of specific chiropractic treatment. However, you may need to pay additional out-of-pocket costs or deductibles depending on your plan. I’ll review the parts of Medicare that may provide some financial relief for chiropractic care.
Medicare Part A
If you have Medicare Part A, it won’t cover visits to the chiropractor or treatments like correcting a subluxation. This means you’ll have to pay 100 percent of the cost of chiropractic care.
Medicare Part B
Medicare Part B covers chiropractic care when it’s considered medically necessary by a chiropractor or physician, such as the manual manipulation of the spine for a subluxation. If you have Medicare Part B, the yearly deductible applies and you’d be responsible for paying 20 percent of the Medicare-approved amount. Unfortunately, X-rays, massage therapy, and other services are not covered by Medicare.
If you have Medicare Advantage (Medicare Part C), you’ll need to reach out to your carrier directly to find out if your plan will cover additional chiropractic services or procedures. These plans vary from carrier to carrier. You can also look through your summary of benefits that was mailed to you upon enrolling.
Medigap/Medicare Supplemental Insurance
Medigap, or supplemental insurance, will cover “gaps” in coverage that Original Medicare leaves up to the beneficiary to pay out of pocket. If Original Medicare covers the service, your Medigap plan will cover the coinsurance. Depending on the letter plan you have, the deductible under Part B may also be covered.
Pro Tip: Are you healthy but still looking for comprehensive coverage? Read my article on how to choose the best Medigap policy.