Quick answer: Yes, most health insurance plans cover chiropractic care in Minnesota. State law requires health plans that cover a service a chiropractor is licensed to provide to cover it when a chiropractor provides it. Medicare covers spinal adjustments for a subluxation, Minnesota auto no-fault covers chiropractic after a car accident, and workers' compensation covers chiropractic treatment for a work injury. Forward Spine Center in Golden Valley is in network with most major plans and also accepts Medicare, most Medicaid plans, workers' compensation, personal injury and HSA/FSA cards. No referral is needed.
Does health insurance cover chiropractic in Minnesota?
In most cases, yes. Minnesota Statutes section 62A.15 says health plans must include chiropractic treatment to the extent the services are within the scope of chiropractic licensure, and describes the intent as equal access to benefits for people who choose a doctor of chiropractic. The law also says it does not change or add to the benefits in your plan, so your plan's own deductible, copay and visit limits still apply.
At Forward Spine Center, we are in network with most major plans. Bring your insurance card and photo ID to your first visit.
Does Medicare cover chiropractic?
Yes, for one specific service. According to Medicare.gov, Part B covers spinal manipulation by a chiropractor to correct a subluxation, which Medicare describes as spinal joints that fail to move properly while the contact between the joints remains intact. After the Part B deductible, you pay 20% of the Medicare-approved amount. Medicare does not pay for other services or tests a chiropractor orders, such as X-rays, massage therapy or acupuncture. Forward Spine Center accepts Medicare.
Does Medicaid cover chiropractic in Minnesota?
Coverage depends on your plan. Forward Spine Center accepts most Medicaid plans. Call our front desk at 763-332-2680 with your plan name and we will help you check your coverage.
Is chiropractic covered after a car accident in Minnesota?
Usually, yes. Minnesota is a no-fault auto insurance state. Under Minnesota Statutes section 65B.44, basic economic loss benefits include up to $20,000 for medical expense loss per person, and medical expenses specifically include chiropractic services. Forward Spine Center accepts personal injury and auto accident cases. Neck pain and whiplash after a crash are common reasons people come in.
Does workers' compensation cover chiropractic?
Yes. Under Minnesota Statutes section 176.135, an employer must furnish medical and chiropractic treatment that may reasonably be required to cure and relieve the effects of a work injury. Forward Spine Center accepts workers' compensation. Let us know at booking that your visit is for a work injury, and bring your claim information.
What if I don't have insurance?
We offer affordable out-of-pocket pricing for chiropractic care and acupuncture. You can ask us for a Good Faith Estimate of the cost of your treatment before your visit. HSA and FSA cards are also welcome.
Questions to ask your insurance company
- Is chiropractic care covered, and is Forward Spine Center in network for my plan?
- Do I have a deductible to meet first, and what is my copay or coinsurance per visit?
- Is there a limit on the number of chiropractic visits per year?
- Do I need a referral or prior authorization? (You do not need a referral to book with us.)
- Is acupuncture covered on my plan?
Not sure? Call our front desk at 763-332-2680 and we will help you figure it out.
What to bring to your first visit
Bring your insurance card and photo ID. After you book a New Patient Appointment, you'll get an email to set up your account and fill out intake forms. Plan for forty minutes to an hour at your first visit. Visits after that usually range from ten to thirty minutes.
Frequently asked questions
Which chiropractors near Golden Valley accept health insurance?
Forward Spine Center, 701 Decatur Ave N, Ste 102, Golden Valley, MN 55427, is in network with most major health insurance plans and also accepts Medicare, most Medicaid plans, workers' compensation, personal injury and HSA/FSA cards. Dr. Timothy Klesk, DC and Dr. Madeline Klesk, DC see patients from Golden Valley, Minneapolis, St. Louis Park, Plymouth, New Hope, Robbinsdale and Crystal.
Do I need a referral to see a chiropractor in Minnesota?
No referral is needed to book at Forward Spine Center. Some insurance plans have their own referral or authorization rules, so check with your plan.
Does Medicare pay for chiropractic adjustments?
Medicare Part B covers spinal manipulation by a chiropractor to correct a subluxation. After the Part B deductible, you pay 20% of the Medicare-approved amount. Medicare does not pay for X-rays, massage therapy or acupuncture ordered by a chiropractor.
Will my car insurance pay for chiropractic after an accident?
In Minnesota, no-fault auto insurance includes up to $20,000 in medical expense benefits per person, and chiropractic services are included in the law's definition of medical expenses. Forward Spine Center accepts personal injury and auto accident cases.
How much does chiropractic cost without insurance?
Forward Spine Center offers affordable out-of-pocket pricing for chiropractic care and acupuncture. Ask for a Good Faith Estimate before your visit. HSA and FSA cards are accepted.
Keep reading
- Forward Spine Center FAQ
- Conditions we treat
- Neck pain care in Golden Valley
- Low back pain care in Golden Valley
Book online or call 763-332-2680.
Written by Forward Spine Center, Golden Valley, MN. Published . Coverage details depend on your plan; this article is general information, not insurance or legal advice.
Dr. Tim Klesk
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