Medicare does not generally cover chiropractic services. Certain chiropractic services may be covered under Medicare Part B, however, if they are considered medically necessary by your doctor.
Medicare Advantage plans (Medicare Part C) also cover eligible chiropractic services.
Many Medicare Advantage plans also offer additional benefits not covered by Medicare Part A and Part B, such as prescription drug coverage and certain home care services like bathroom grab bars.
Medicare Part B sometimes covers manual manipulation of the spine if medically necessary to correct a subluxation.1
A vertebral subluxation is the misalignment of the spinal column, which can be caused by numerous age-related conditions.
If your chiropractic service is covered by Medicare, Medicare Part B will typically pay 80 percent of the Medicare approved amount of the costs after you meet your Medicare Part B deductible. After Medicare covers 80 percent of the cost, you are responsible for the other 20 percent.
In 2019, the Medicare Part B deductible is $185 per year.
Chiropractic services that Medicare does not cover include:
Medicare Advantage plans (also called Medicare Part C) are sold by private insurance companies and provide all of the coverage benefits of Medicare Part A and Part B (Original Medicare) in one simple plan.
This means that if you need spinal treatment that is covered by Medicare Part B, it would also be covered by your Medicare Advantage plan.
Not all plans offer these additional health care benefits.
To learn more about Medicare Advantage plans in your area and to find a Medicare plan that may offer the benefits you’re looking for, call today to speak with a licensed insurance agent.
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Or call 1-800-557-6059 (TTY: 711) 24/7 to speak with a licensed insurance agent.