Medicare Coverage for Chiropractic Care

Back and neck pain are common concerns for older adults. As we age, changes in our joints, muscles, and spine can lead to stiffness, discomfort, and reduced mobility. Many seniors explore chiropractic care as a non-surgical option to help manage pain and improve movement.

Does Medicare Cover Chiropractic Care?

Medicare does cover chiropractic care, but only in very limited circumstances. Coverage depends on the type of care provided and whether the treatment is considered medically necessary. Your cost and coverage will vary depending on if you have Original Medicare (Part A and Part B) as your primary insurance OR if you have Medicare Advantage (Part C) as your primary insurance.

Medicare Part A (Hospital Insurance)

Medicare Part A covers inpatient hospital services and emergency care. Because chiropractors generally practice in outpatient settings, Part A does not cover chiropractic care.

Medicare Part B (Medical Insurance)

Medicare Part B may cover chiropractic care when it is needed to correct a spinal problem. Covered services include:

  • Manual spinal manipulation to correct a spinal misalignment (also called a subluxation)

  • In some cases, acupuncture for chronic lower back pain

  • Physical therapy, when ordered by a doctor (massage therapy is not covered)

Routine chiropractic visits for general aches, stiffness, or posture issues are usually not covered.

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurance companies and must include all Part A and Part B benefits. Many plans also include extra coverage, which may include:

  • Additional chiropractic visits

  • X-rays

  • Other non-surgical pain management services

Coverage varies by plan, so it’s important to review your specific benefits.

When Will Medicare Pay for Chiropractic Care?

For Medicare Part B to cover chiropractic treatment, all of the following must apply:

  • A chiropractor diagnoses a spinal misalignment

  • Manual spinal manipulation is required to correct the problem

  • The chiropractor is enrolled in Medicare

  • The treatment is medically necessary, not routine or preventive care

Care meant to maintain overall wellness or prevent future pain—often called maintenance therapy—is not covered by Medicare.

Chiropractic Services Medicare Does Not Cover

Medicare’s chiropractic benefits are very limited. In most cases, Medicare will not pay for:

  • X-rays ordered by a chiropractor

  • Massage therapy

  • Most acupuncture services

  • Treatment for muscle strain, poor posture, or general back or neck pain

If these services are recommended, you may be responsible for paying out of pocket costs.

How Much Does Chiropractic Care Cost With Medicare?

When chiropractic care is approved under Medicare Part B:

  • Medicare pays 80% of the approved amount

  • You pay the remaining 20% coinsurance

Seniors with Medicare Supplement Insurance (Medigap) may have some or all of that 20% covered, depending on their plan.

Bottom Line

Medicare helps pay for medically necessary spinal manipulation to correct a subluxation—not routine or wellness care. Before you’re treated, ask the office to confirm coverage and your out-of-pocket costs.