Bones 4 Life Chiropractic participates with eligible Aetna commercial plans. Please contact our office and your insurer to verify specific benefits, deductibles, and copays before your first visit.

Can I use my HSA or FSA for chiropractic care?

Yes, IRS guidelines generally include chiropractic care as an eligible medical expense. Approval and reimbursement depend on your specific HSA or FSA plan administrator.

Insurance & Billing at
Bones 4 Life Chiropractic

Q: Do you accept Medicare for chiropractic care?

Yes, Bones 4 Life Chiropractic accepts Medicare for covered chiropractic services. Original Medicare Part B covers only manual spinal manipulation for documented vertebral subluxation when medically necessary. Exams, X-rays, therapies, and maintenance care are not covered.

Focus on Your Care—We’ll Help With the Billing Process

At Bones 4 Life Chiropractic, we aim to make billing as straightforward and transparent as possible. We use ChiroSpring, an electronic practice-management and billing system, to help manage claims and patient account information.

Insurance benefits, deductibles, copays, coinsurance, prior-authorization requirements, medical-necessity determinations, and reimbursement amounts vary by plan. While we can verify available information and submit eligible claims as a courtesy, your insurance company makes the final coverage and payment determination.

Patient Reminder: Please bring your current insurance card and a valid government-issued photo ID to your first appointment.

Insurance Plans and Billing Options

In-Network Participating Provider:

Medicare: Participating for covered chiropractic services only.
Aetna Commercial Plans: Participating across eligible HMO, PPO, and EPO plans.

Plan participation, network status, referral requirements, authorization requirements, and covered services vary by individual plan. Please contact our office and your insurance carrier before your first visit to confirm your specific benefits.

Out-of-Network Services & Courtesy Electronic Billing:

For many other insurance carriers, Bones 4 Life Chiropractic provides care on an out-of-network basis. Out-of-network care means the practice is not contracted with your plan for a predetermined in-network rate. Your plan may reimburse some, all, or none of the submitted charges, depending on your benefits and any deductible, coinsurance, or out-of-network limitations.

For eligible out-of-network claims, we submit electronic claims as a courtesy for patients with:

UnitedHealthcare / Optum
CareFirst BlueCross BlueShield
Cigna

Electronic claim submission does not guarantee that a claim will be accepted, processed, applied to a deductible, or reimbursed. Some insurance plans require patients to submit their own claim, provide additional documentation, receive prior authorization, or use a specific claims process.

Medicare Chiropractic Coverage

Bones 4 Life Chiropractic accepts Medicare for services that meet Medicare’s chiropractic coverage requirements.

Under Original Medicare Part B, chiropractic coverage is limited to manual manipulation of the spine to correct a documented vertebral subluxation when the care is medically necessary and active treatment is expected to improve function or support recovery. Maintenance chiropractic care is not covered.

Services Not Covered by Original Medicare:Medicare generally does not cover the following services when performed or ordered by a chiropractor:

New-patient examinations and consultations
X-rays and many other diagnostic services
Spinal traction or mechanical decompression
Physical therapy modalities and rehabilitation services
Soft-tissue therapies, including IASTM and cupping
Extremity adjustments
Nutritional counseling, supplements, supplies, or injection

Advance Beneficiary Notice of Noncoverage (ABN):

If Medicare is expected to deny a covered service based on medical necessity, patients may be asked to review and sign an Advance Beneficiary Notice of Noncoverage (ABN) before the service is provided. An ABN explains that Medicare may not pay and that the patient may be financially responsible.

Medicare Advantage plans, Medigap policies, and secondary insurance plans may have different rules, copays, referral requirements, or coverage limitations. Contact your plan directly for details.

Standard Office Fee Schedule

We maintain a consistent office fee schedule regardless of whether services are billed to insurance or paid directly by the patient. Your out-of-pocket responsibility depends on your individual plan, coverage status, deductible, copay, coinsurance, reimbursement rules, and the services provided.

Service DescriptionStandard Fee
New Patient Evaluation & Consultation $160
Spinal Adjustment $75
Extra-Spinal / Extremity Adjustment $65
Spinal DecompressionDiscussed during consultation
Instrument-Assisted Soft Tissue Mobilization (IASTM)Discussed during consultation
Therapeutic Myofascial CuppingDiscussed during consultation
Physical Rehabilitation & Corrective ExerciseDiscussed during consultation
Fees for specialized services are discussed before treatment whenever possible. Additional services, extended visits, supplies, reports, missed-appointment fees, or documentation requests carry separate charges if applicable.

HSA, FSA, and Payment Methods

We accept major credit cards and eligible HSA (Health Savings Account) and FSA (Flexible Spending Account) payment methods.

The IRS generally includes fees paid to chiropractors for medical care among eligible medical expenses. However, HSA and FSA administrators determine eligibility, documentation requirements, card approval, and reimbursement based on the individual plan. Keep itemized receipts and confirm eligible expenses with your plan administrator or tax professional.

How the Billing Process Works

Bring Your Insurance Information: Bring your insurance card, photo ID, and any required referral, authorization, claim, attorney, or auto-accident information to your appointment. We use this information to review available benefits information and identify the billing process that applies to your plan.
Benefit Review: As a courtesy, our team may contact your insurer to review information such as active coverage, network status, deductible, copay or coinsurance, out-of-network benefits, and authorization requirements. A benefit review is not a guarantee of payment; your insurer makes the final decision after receiving and reviewing the claim.
Claim Submission: For eligible plans and services, we submit claims electronically through our ChiroSpring billing system. If your insurer requires a patient-submitted claim, a specific form, prior authorization, or additional documentation, we explain the next steps when possible.
Explanation of Benefits (EOB) and Patient Balance: After the claim is processed, your insurer may issue an Explanation of Benefits (EOB). An EOB is not a bill; it explains how the claim was processed, what amount was allowed, what the plan paid, and any remaining patient responsibility. You are responsible for charges not paid by insurance, including applicable deductibles, copays, coinsurance, non-covered services, denied services, plan limitations, and balances due under the office financial policy.
Reimbursement: For out-of-network claims, eligible reimbursement may be sent to you or to our office depending on plan rules, assignment-of-benefits requirements, and the claim outcome. We cannot guarantee reimbursement amounts or timing.

Frequently Asked Questions (FAQ Section)

Question Answer

Do you accept Medicare for chiropractic care? Yes, Bones 4 Life Chiropractic accepts Medicare for chiropractic services that meet Medicare coverage requirements. Original Medicare Part B generally covers manual spinal manipulation to correct a documented vertebral subluxation when medically necessary. It does not generally cover exams, X-rays, traction, rehabilitation, soft- tissue therapy, extremity adjustments, or maintenance care provided by a chiropractor.

Do you accept Aetna? Bones 4 Life Chiropractic participates with eligible Aetna commercial plans. Because network status, referral requirements, copays, deductibles, and coverage vary by plan, contact the office and your insurer to verify your specific benefits before care begins.

Can you submit an out-of-network chiropractic claim? For eligible patients and services, we submit electronic claims as a courtesy for certain out-of-network plans, including UnitedHealthcare / Optum, CareFirst BlueCross BlueShield, and Cigna. Claim submission does not guarantee payment, deductible credit, or reimbursement.

What is an Advance Beneficiary Notice, or ABN? An ABN is a Medicare notice that informs you when Medicare is expected to deny payment for a service that may not meet coverage requirements. It clarifies that you may be financially responsible if Medicare does not pay.

Insurance & Billing at Bones 4 Life Chiropractic