Chiropractic Insurance We Accept, Driver Chiropractic in Columbus, NE
At Driver Chiropractic, we believe that healthcare should be accessible to anyone who needs it. That’s why, in an effort to help reduce the cost of your treatment, we accept popular chiropractic insurance providers:
- Aetna
- Blue Cross Blue Shield
- Cigna
- Medicare
- Medicaid
- Midlands Choice
- Nebraska Total Care
- UnitedHealth Care
Our front desk will verify your coverage before your first visit and help you file claims, so you know your out-of-pocket costs in advance. Call (402) 270-1062 to verify your chiropractic insurance today.
How Chiropractic Insurance Works and What Most Plans Cover
Chiropractic insurance is the portion of a health plan that covers care provided by a licensed chiropractor.
Keep in mind, however, that coverage depends on your insurer. In Nebraska, there’s no state mandate requiring insurance coverage for chiropractic treatment, so providers that offer it do so under their own rules.
When dealing with insurance to cover your chiropractic care, or any other treatment, for that matter, there are three factors you should consider:
- Deductible: This is the amount you pay yourself before your insurance plan starts contributing to the cost of treatment.
- Copay: It’s your flat per-visit amount, which depends on your insurance provider and type of service.
- Coinsurance: This is the percentage of your medical bill you pay after you meet your deductible.
Let’s say you have an insurance policy with a $1,500 deductible. You pay your full bill for each visit until you reach $1,500. Afterward, you only have to pay your coinsurance per visit until you reach your annual out-of-pocket maximum, at which point your insurance plan covers the rest.
The type of chiropractic insurance you have is also important. The most common ones include:
- Preferred Provider Organization (PPO): It gives you the flexibility to see a chiropractor without needing a referral.
- Health Maintenance Organization (HMO): This type usually requires a referral from your primary care physician before you can receive chiropractic care.
- High Deductible Health Plan (HDHP): It features lower monthly premiums in exchange for a higher deductible. It also lets you open a tax-advantaged Health Savings Account (HSA) that you can use to pay for qualified medical expenses.
Health Insurance Plans We Accept in Nebraska
Driver Chiropractic contracts with eight carriers, each with its own plan specifics.
| Carrier | Typical Coverage |
| Aetna | PPO plans usually cover 20 to 30 visits annually. HMO plans require a referral from your primary care physician. |
| Blue Cross Blue Shield | Plans commonly cover chiropractic adjustments, exams, and X-rays. Wellness care is excluded. |
| Cigna | Cigna usually caps chiropractic visits at 26 per year and requires documentation of medical necessity after the 12th visit. |
| Medicare | Part B pays 80% of the approved amount for medically necessary spinal adjustments only. It doesn't cover exams, X-rays, or any other modality. |
| Medicaid | Coverage varies by your plan, but Nebraska Medicaid generally has full coverage for chiropractic care. |
| Midlands Choice | Midlands Choice is a regional PPO network across the Midwest. Its health insurance covers chiropractic services as an essential preventive care. |
| Nebraska Total Care | It provides Medicaid-managed care plans with benefits that mirror those of Nebraska Medicaid, including case management support. |
| UnitedHealth care | UnitedHealthcare typically requires prior authorization for medically necessary chiropractic adjustments after your initial evaluation. |
Call us if your carrier isn’t listed here. We can still help you file out-of-network, and many of our patients recover a meaningful portion of the cost.
What Chiropractic Insurance Covers and Excludes
Generally, health insurance covers chiropractic care if it's medically necessary, such as when treating diagnosed conditions.
Typically covered when medically necessary:
- Initial evaluation and physical examination
- Diagnostic X-rays, when ordered by your chiropractor
- Spinal adjustments for back pain, sciatica, whiplash, and other diagnosed conditions
- Follow-up visits during an active care plan
Typically excluded or limited:
- Maintenance care once your condition has stabilized
- Wellness or preventive adjustments
- Cold laser, electrical stimulation, and other therapeutic modalities
- Nutritional counseling and supplements
That being said, coverage and exclusions still depend on your insurer and policy, so take this list with a grain of salt.
Active Care vs. Maintenance Care
There’s an important distinction between active and maintenance care, especially when evaluating your coverage.
- Active care refers to treatment that aims to resolve a diagnosed condition and produce a measurable improvement.
- Maintenance care refers to ongoing care after you’ve recovered.
More often than not, your chiropractic care is covered by insurance only when it resolves a diagnosed problem. Once you’re stable, most providers stop paying, even if you want maintenance or preventive care.
How Driver Chiropractic Verifies Your Benefits and Files Your Claim
Let’s go over what typically happens on our end when we handle your insurance concerns, so you stay informed.
Step 1: Send Us Your Card
Before your first visit, we ask that you send photos of the front and back of your insurance card. It should include your date of birth and the policyholder’s name. You can call us to verify your chiropractic insurance coverage at any point before your appointment.
Step 2: We Call Your Carrier
On the same day, we ask your carrier seven specific questions:
- Is chiropractic care covered?
- How much of the deductible remains?
- What are the copay or coinsurance terms?
- What is the annual visit limit?
- Is prior authorization required?
- Are X-rays covered?
- Are chiropractic adjustments for extremities covered?
Step 3: You Get Your Benefits in Writing
We send you your insurer’s answers before you walk in. In doing so, you’ll be informed about your expected out-of-pocket costs even before you visit Driver Chiropractic for your first appointment.
Step 4: You Pay Only the Verified Portion
During your visit, we only collect your verified copay or coinsurance amount. You won’t have to pay up front and then wait months for reimbursement.
Step 5: We File Electronically
We file your insurance claim with your provider on the same day as your visit. Under the Nebraska Revised Statute 44-8004, insurers must pay, deny, or settle claims within 30 calendar days after receiving them electronically.
Step 6: We Handle Denials and Appeals
If your insurer denies or underpays your claim, we request the reason and file an appeal or resubmit the claim. We want you to focus on recovery, so let us be the ones to talk to your provider.
If You Are Uninsured, Out of Network, or Denied
A denial or gap in your coverage doesn’t mean you can’t receive the care you need. There are four paths you can take:
- Cash Pay: We’ll provide transparent pricing after your initial consultation to help you plan your finances.
- HSA and Flexible Spending Account (FSA) Funds: Chiropractic care is a qualified medical expense, provided it’s for the treatment of a condition.
- Auto Insurance: If your visit is related to a car accident, personal injury protection (PIP) can pay for your medical bills regardless of fault.
- Workers' Compensation: Work injury claims cover chiropractic care when medically authorized.
Verify Your Coverage Before Your First Visit
Treatment cost should be the least of your worries when you're recovering. For your peace of mind, Driver Chiropractic will help you deal with your chiropractic insurance claims to make care easier on your wallet.
Contact us to verify your coverage before your visit.
Frequently Asked Questions
Yes, some insurance policies do, particularly if it’s medically necessary. At Driver Chiropractic, we accept Aetna, Blue Cross Blue Shield, Cigna, Medicare, Medicaid, Midlands Choice, Nebraska Total Care, and UnitedHealthcare.
It depends on your plan and insurance provider. Some plans cover up to 30 visits per year, while others have no cap. Our team will verify your plan’s cap before your first visit to help set your expectations.
Yes, with some caveats. Medicare Part B covers 80% of the approved cost for a medically necessary spinal adjustment after your annual deductible. However, it doesn’t cover other services and tests that we offer or order, including X-rays.
Chiropractic insurance doesn’t typically cover maintenance care after you’ve recovered from your condition, as well as wellness or preventive adjustments. Driver Chiropractic can tell you exactly what your plan’s exclusions are.
You can call your insurance provider and ask whether your plan covers chiropractic care. Also, you can send your details to Driver Chiropractic, and we’ll verify your benefits for you before your first visit.
You have three options: pay with cash, use your HSA or FSA funds (chiropractic care is a qualified expense), or file a claim with your auto insurance’s PIP or workers’ compensation program if your injury qualifies.
