Affordable Alternatives: How to Pay Chiropractor Costs without Insurance

  • Vishali
  • October 18, 2023
How much does a chiropractor costs

Chiropractors treat a range of problems related to the spine, muscles, and nerves. As per a survey, 35 million Americans see a chiropractor every year. Yet, chiropractor cost remains a top concern for patients.

According to Forbes, a single visit to the chiropractor can cost from $30 up to $300. Additionally, as some treatments aren’t covered by insurance, the costs may vary from patient to patient. 

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In this blog, learn about chiropractic costs and which treatments fall under insurance, and which ones do not. 

How Much Does a Chiropractor Cost?

Each patient usually requires a unique treatment plan. It may consist of a particular treatment or a combination of chiropractic services. Thus, how much chiropractic treatment costs may vary depending on the patient’s individual needs.

Here is the breakdown of chiropractor costs in 2024

1. A thorough examination including treatment will cost you around $300.
2. Out-of-pocket costs will range between $100-$150 per visit.
3. Follow-ups with the concerned chiropractor will cost around $100 or less.

That said, let’s further dive into the chiropractic treatments that are ideally covered under insurance. 

What Services Do Chiropractors Offer?

They provide a variety of treatments, including:

  • Massage therapies.
  • Spine adjustments for fixing spine alignment, joints, and other back issues.
  • Recommending exercises to ease arthritis and other body aches.
  • Spinal decompression therapy via stretching.
  • Physiotherapy for the elderly (i.e., people aged 65 and over).
  • Specialized treatments, like acupuncture, laser therapy, and shockwave therapy.
  • Physiotherapy for patients injured in accidents or during sports.
  • Diet and nutrition guidance (for wellness and preventive care).


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Insurance might cover some of these services, but not all. Moreover, it's crucial to understand that specialized treatments are typically more expensive. Also, the cost can increase if regular visits and follow-up treatments are needed.  

How Much Do Chiropractors Cost With Insurance?

Certain insurance plans may cover a portion of the costs, ranging from 40% to 80%, for specific therapies such as basic or medically necessary physical therapy. A good insurance plan can significantly reduce your out-of-pocket expenses. However, any services not covered by your plan will require you to pay the full cost.

Which Chiropractic Treatments Are Covered and Not Covered Under Insurance?

Covered under insuranceNot covered under insurance
Medically necessary chiropractic therapies for evidence-based conditions like:

*Back pain:
-- Copayment: $10 - $50 per visit (depending on insurance plan)
-- Deductible: Typically $0 - $1000+ annually, depending on the plan
-- Coinsurance: Usually 10% - 30% of the total cost after the deductible is met

*Neck pain: Similar to back pain, costs can be covered partially or fully depending on your insurance plan.

*Arthritis: Covered similarly to back and neck pain treatments.

*Migraines: Similar to back and neck pain treatments.
Treatments that are considered to be alternative or elective, including:

*Massage therapy:
Cost per session: $50 - $150 per hour ( Approx.)

Cost per session: $60 - $120 per hour ( Approx.)

*Other treatments deemed "not medically necessary":
Costs for treatments not considered medically necessary may not be covered by insurance and are typically paid out-of-pocket.

Insurance Coverage for Chiropractic Care: How It Works?

Insurance coverage plays a crucial role in managing chiropractic expenses. Here’s how it works:

  • Healthcare insurance companies usually have a network of preferred providers, including chiropractors. This network allows you to visit any licensed chiropractor for treatment.
  • Make sure to confirm whether your insurance plan covers the treatments you require.
  • The clinic usually submits the claim on the patient’s behalf after the chiropractic appointment. 
  • Some plans may require patients to pay a certain out-of-pocket amount before insurance starts.

Thus, the cost may vary depending on the coverage plan. 

However, it may not be feasible for all to pay the fee in full at once. So, there are a few other ways for uninsured patients to pay.

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The Top Ways to Pay for Chiropractic Care Without Insurance

1. Savings

Patients who lack insurance can use their savings to pay out-of-pocket. It's ideal for low-cost treatments such as massage therapy. 

2. Special Offers and Discount Deals

Many chiropractors offer special deals and discounts for patients who need frequent sessions. Hence, online coupons from websites such as Groupon can help them afford chiropractic care. 

3. Payment Plans

Nowadays, many chiropractors have integrated payment plan software like Credee to offer affordable payment plans to patients. 

It is mutually beneficial as the chiropractors can create personalized payment plans that fit the patient’s budget. The patient can pay off the bill in easy installments, while the chiropractor receives recurring payments.

Hence, it's worth exploring chiropractic clinics that offer Credee payment plans or similar payment options.

Final Thoughts

There are various ways to cover the chiropractor's cost. For example, using savings and special offers may help. However, payment plans stand out as the most viable option. They allow patients to get the chiropractic care they need while making affordable installments.

Therefore, it is best to ask your chiropractor if they offer Credee payment plans. Credee offers NO CREDIT CHECK flexible payment plans for patients.

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