Chiropractic Care Coverage

Welcome to our comprehensive guide on Chiropractic Care coverage. Understanding your insurance can be tricky, especially when it comes to navigating coverage limits and uncovered procedures. Chiropractic care is essential for maintaining musculoskeletal health, yet many individuals find themselves faced with unexpected costs due to gaps in their insurance coverage.

As healthcare expenses continue to rise, it’s crucial to empower yourself with knowledge about what your plan covers. In this guide, we’ll break down the common limitations you might encounter and present you with an effective solution to manage your chiropractic care costs.

Understanding Chiropractic Coverage Limitations

Many insurance plans have yearly coverage limits for chiropractic care, which can leave you with unexpected out-of-pocket expenses. Here’s what you need to know:

Yearly Coverage Limits: Most insurance plans have a maximum amount they will reimburse for chiropractic services, often as low as $1,000 per year. Once this limit is reached, you may be responsible for any additional costs.
Commonly Uncovered Procedures: While basic chiropractic adjustments might be covered, many essential treatments—such as massage therapy, nutritional counseling, and advanced imaging—are often excluded or only partially covered. This gap can lead to deferred care, impacting your overall health.

The Cost of Chiropractic Care

Average Out-of-Pocket Expenses: Patients typically pay between $65 and $150 per session, and with many needing multiple visits each month, this can quickly add up. For example, attending three sessions per month could result in annual out-of-pocket expenses of approximately $3,600 if insurance limits are exceeded.
The Cost of Delaying Care: Deferred treatments due to financial constraints can lead to worsening health conditions. Studies show that 30% of patients postpone necessary chiropractic care, and 42% of individuals with chronic pain forgo treatment because of costs. This often results in increased health issues, chronic pain, and ultimately higher medical expenses down the line.

A patient is receiving patient care from a chiropractor

Simplify Your Chiropractic Treatment Costs

The Healthcare Spending Card¹ can offer a smarter solution for managing your chiropractic expenses. Here’s how it works:

0% Financing Options²

Enjoy flexible payment plans that fit your budget.

Pay with Pre-Tax Dollars

Utilize funds from your HSA for tax savings.

Flexible Repayment Periods

Choose repayment options that work for you, with terms of 1, 4, or 12 months.

No Annual Fee²

Experience all the benefits without hidden costs.

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Real People, Real Stories

A real game changer

Lane Health and their Health Spending Card have been a life saver for my family, enabling a relative to get the care he needed without delay and avoiding his condition to worsen. The fact that he could do it without getting into huge debt with high interest rates was a real game changer.

Stress-Free Healthcare Payments

I’ve been using the HSC card from Lane Health for a few months, and it’s been great! Easy to signup, easy to use, and the clear terms make managing healthcare expenses stress-free. The pay-in-12 feature is a lifesaver and it pulls funds automatically from my HSA, which adds to the convenience. Customer service is quick and helpful whenever I had questions. Overall, the HSC card has made handling medical bills much easier. Highly recommend!

Game Changer in healthcare

I wasn't sure I needed another card, but the ability to manage and pay my healthcare bills in one place is a game changer. I can literally swipe and forget because I set up auto pay when I signed up. Now I pay my bills with the card and Lane Health pulls my monthly payments from my HSA account on my due date - it allows me to pay with pre-tax dollars even before I've saved them. Love this product!

A financial game changer for me!

I love the zero percent financing because it lets me budget for it and repay it over several months without crazy interest rates I'd have to pay if I used other credit cards. Not doing that anymore!

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Healthcare Expenses Covered This Year

$ 701,722

Your Chiropratic Questions Answered

What types of chiropractic care are covered by insurance?

Most plans cover spinal manipulation but may exclude additional therapies.

How can the Healthcare Spending Card help me?

It allows you to manage your expenses flexibly, reducing out-of-pocket costs.

Is there a fee to apply for the Healthcare Spending Card?

No, there are no application fees or annual charges.

More Questions?

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*Subject to credit line approval.
‍¹ Lane Health is a financial technology company, not a bank. The Healthcare Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc.
‍² Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-fees