Yes, extras health insurance policies will typically have annual claim limits, which vary depending on your policy. For example, it may have coverage limits of $200-$700 to spend on chiropractic health care every year.
Some policies may also group particular services (e.g. physiotherapy, chiropractic, acupuncture, remedial massage) and the amount you can claim for chiropractic will be subject to this ‘group limit’. For example, you may have a maximum of $500 in total to claim over the year on any therapies in the group.
If you’re looking for the health insurance for chiropractic care rebates, you should look for a health insurance policy that offers higher limits for chiropractic than other policies, as well as affordable premiums.
If you’re taking out a new extras policy or upgrading your policy, you may have a waiting period before you can claim chiropractic on your health insurance. Claiming for chiropractic generally has a two-month waiting period, but this can be longer or shorter depending on your policy.
When signing up to a new extras health insurance policy, some health funds may have promotions that allow you to claim particular services sooner, or even immediately.
Your health fund may outline particular requirements that you need to meet to claim chiropractic services. For example, health funds may have a condition that you can only claim on chiropractic sessions if your treatment is carried out by an approved chiropractor that has an agreement with the health fund.
Another condition your health fund may impose is your chiropractic treatment needs to be deemed medically necessary by a doctor to be covered for chiropractic services. This condition means you might not be covered if you go to a chiropractor simply because you feel like getting a ‘back crack’.
Your policy brochure will contain more information about such conditions or requirements.
Chiropractors in Australia need to register through the Australian Health Practitioner Regulation Agency (AHPRA). You can search the AHPRA database to see if your chiropractor is currently registered. It may also be a good idea to read reviews of the chiropractor to see how others rated their treatment.
No, in terms of chiropractic, Medicare Australia generally doesn’t bulk bill or cover chiropractic under the Medicare Benefits Scheme. However, if you’ve had a chronic or terminal medical condition for six months or longer, you may be eligible for a GP Management Plan and Team Care Arrangements (TCA).6
With this care plan, you’ll have access to Chronic Disease Management (CDM) Medicare items. You will be eligible to receive Medicare rebates for five individual visits to an allied health professional (e.g. chiropractor) during the calendar year.
If you aren’t eligible for this care plan, you can still go to a chiropractor with no health insurance, but you’ll have to pay the full costs out-of-pocket.
 Australian Government, Australian Institute of Health and Welfare – Reports & data: Chronic musculoskeletal conditions, Back problems. (last updated 30 August 2019)
 Victoria State Government – BetterHealth Channel: Chiropractic, Chiropractic treatments. (last updated October 2017)
 Healthdirect – Chiropractors: what conditions do chiropractors treat? (last reviewed December 2018)
 Price range based on list of fees on four clinics – My Back Relief Clinic, Tweed Central Chiropractic, Wellspring Chiropractic and Docklands Chiropractic. (accessed December 2019)
 Claim amounts based on features of 12 extras-cover policies quoted on Compare the Market for single male aged 33, living in QLD, earning $90,000 or less (quoted on 5 December 2019).
 Australian Government Department of Health – Chronic Disease Management: Provider Information. (page last updated 9 February 2016)