Does Insurance Cover Chiropractic in NYC?

If you’re searching “Does insurance cover chiropractic in NYC?”, the short answer is sometimes, but it depends on your plan. Most insurance providers offer partial coverage for chiropractic, but there are limits, restrictions, and hidden costs that patients often don’t expect.

How Insurance Covers Chiropractic

• Limited visits. Many plans cap visits per year, often between 6–12 sessions, not enough for lasting results.

• High deductibles. You may still pay out-of-pocket until your deductible is met.

• Copays and coinsurance. Even with coverage, each visit usually includes a copay.

• Pre-approvals required. Some insurers require medical referrals or authorizations, delaying care.

Why Many Patients Choose to Pay Directly
At KIRO, most members have insurance, but choose not to use it. That’s because our flat, transparent pricing often costs less than insurance-based care once deductibles and copays are factored in.

• Membership: $180/month — Unlimited chiropractic adjustments + monthly Nervous System Scan.

HSA/FSA Friendly
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you can use those funds to pay for chiropractic care at KIRO. We also provide detailed receipts for reimbursement, just email support@getKIRO.com.

“Insurance can make simple care complicated. Our model gives patients freedom, transparent pricing, no approvals, and care that fits their schedule.” — Dr. Michael Atunzu