Medicare covers chiropractic care, but only a specific service. Here's exactly what's included and what isn't.
What chiropractic care does Medicare cover?
Medicare Part B covers manual manipulation of the spine performed by a chiropractor or other qualified provider when it's medically necessary to correct a subluxation, meaning one or more spinal bones are out of position. You pay 20% of the Medicare-approved amount after meeting your Part B deductible. This is the core covered chiropractic benefit. Coverage applies when the adjustment is expected to improve your condition, not for ongoing maintenance once you've reached maximum improvement. Documentation from your chiropractor supports medical necessity. To understand whether your visits qualify and what you'll pay, call 1-800-MEDIGAP at 1-800-633-4427.
What chiropractic services does Medicare NOT cover?
Medicare does not cover most services chiropractors offer beyond the spinal adjustment itself. That includes X-rays ordered by the chiropractor, massage therapy, acupuncture performed in the chiropractic office, supplements, orthotics, and maintenance or wellness adjustments once your condition has stabilized. If your chiropractor provides these, you generally pay out of pocket. A Medigap plan can help cover the 20% coinsurance on the covered spinal manipulation, lowering your cost. Medicare Advantage plans cover the chiropractic benefit too, sometimes with additional services, under their own rules. Call 1-800-MEDIGAP for a free review of how your coverage works.