Receiving regular chiropractic
adjustments can be integral to the long-term treatment of chronic
musculoskeletal pain, particularly that
in the back, neck and joints. Chiropractic care may be used either alone or in
tandem with other kinds of medical treatment, and does not involve the use of
drugs. As with any kind of regular medical care, the cost can be an issue if it
is not covered by insurance, especially if you are on a limited income. So you
may want to know if Medicare covers chiropractic care.
In short, some limited chiropractic treatment is covered by
Medicare Part B. This includes only manual manipulation and manipulation with
the use of a hand-held device in order to correct a spinal subluxation (a
condition in which the bones of the vertebrae are out of alignment); however,
it does not cover initial physical exams, diagnostic services, x-rays,
acupuncture, physical therapy, nutritional supplements, orthopedic devices or
chiropractic treatment for anything other than spinal subluxation.
Medicare will cover chiropractic treatment if you fall into
one of the following categories: 1) You have a significant neuromusculoskeletal
condition requiring treatment, such as pain, swelling, inflammation, numbness
in the limbs, etc.; 2) You have a spinal subluxation; or 3) A referring medical
doctor has recommended manual manipulation to improve your condition.
The cost to you will include what you first have to pay to
cover the Part B deductible, then 20% of the cost of the Medicare-approved
chiropractic services. You are responsible for covering the fees for any
additional chiropractic services not approved by Medicare. Chiropractic visits
are limited to one per day, unless it is deemed medically necessary to have
them more often, and coverage lasts as long as there is improvement. If
chiropractic treatment reaches a plateau where no further improvement can be
seen, then Medicare coverage ends.
If you intend to use Medicare to cover your chiropractic
services, first check to be sure your chosen chiropractor participates in
Medicare. If so, ask the provider if they accept assignment (meaning they are
paid by Medicare, not by you, apart from the amount of your deductible and
co-payment), which reduces your out-of-pocket expenses, what they charge and
how much of that amount you will be responsible for. If the chiropractor does
not accept assignment, you may need to pay for the treatment entirely out of
pocket, bill Medicare yourself and wait a number of weeks for payment.
If your chiropractor does not participate in Medicare,
Medicare will not pay for treatment. If, however, you are covered by a
Medigap/Medicare Supplemental Plan, you may pay little or nothing for
chiropractic treatment. Ask your plan manager about the amount of coverage you
may have.
It is normal to have questions about chiropractic care. If
you have further questions about the content of this article or other aspects
of chiropractic, please ask. We are here to help!
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