Health insurance with chiropractic coverage

Chiropractic therapy is a universal method used to diagnose and treat musculoskeletal issues and help alleviate pain. This type of treatment manipulates the spine, joints and the body’s alignment by adjusting the body’s position and applying pressure on trigger points by hand or instrument.

If you visit a chiropractic healthcare centre, therapy could also include physical training to fix posture and limit the strain on your back when you sit, stand or walk.

Chiropractic therapy can include a range of treatments and techniques, such as:¹

• Spinal manipulation
• Joint movement and mobilisations
• Stretching and exercises
• Heat or ice application
• Soft tissue massage.

Chiropractic therapy can potentially treat a range of health problems such as back pain (commonly lower back pain), neck pain, headaches and migraines, posture issues and sciatica (shooting pains in the leg).²

You might benefit from chiropractic treatment if you have regular chronic pain or limited movement in your back, neck, shoulders, muscles, joints or limbs, or have frequent headaches. If your GP recommends chiropractic, you might want to consider getting an extras health insurance policy to help pay for such services.

Conversely, you might consider getting health insurance with chiro cover if you have a higher chance of joint or back problems and injuries, such as if you:

• Work in a physical job
• Play regular sports
• Had a recent car accident and suffered whiplash
• Find daily activities and household chores put too much strain on your body

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 registered. It may also be a good idea to read reviews of a chiropractor to see how others rated their treatment.

In terms of how much chiropractic treatment costs, prices will differ depending on where you live, the clinic you visit and the treatment you need. However, Comcare, the national authority for workers’ compensation does provide guidance on the recommended upper limit fees for chiropractors and other allied health services. While chiros don’t have to follow these recommended rates, many will if they want to treat workers’ comp clients.

The average recommended fee across Australia for your initial consultation with a chiropractor (including an examination and evaluation) is around $95.³ Meanwhile, the average cost of a follow-up or standard consultation is around $70.

Yes, chiropractic services can be included on a private health insurance extras cover policy. If your private insurance does pay a benefit towards sessions with a chiropractor, the amount you can claim on your visits will depend on your policy.

These services are typically only included on extras health insurance policies, not hospital policies, but not all health insurance plans pay a benefit towards these services. Be sure to read through your policy brochure to understand what is and isn’t covered and whether any limits apply.

When you receive treatment, the amount you can claim back will vary depending on your insurance company and policy. With some extras policies, you can claim back a percentage amount (e.g. 50-60%), while others will pay a dollar amount (e.g. $25-$35) for each visit to the chiropractor.

Regardless of your benefit type, you won’t be able to claim above your extras policy limits, and there are different types of limits that can apply. Refer to your policy documents to understand your limits and how they work.

Discover how HICAPS can help you make a claim instantly when you visit your chiropractor.

Yes, extras health insurance policies will typically have annual limits on how much you can claim, which vary depending on your policy. For example, your policy 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) together under one benefit, and the amount you can claim for chiropractic will be subject to this ‘group limit’. For example, you may have a maximum of $500 to claim over the year on any therapies in the group.

If you’re looking for cover with adequate 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 current one, you may have to serve a waiting period before you can claim chiropractic on your health insurance. The waiting period for chiropractic services is generally two months, but this can vary depending on your policy.

When signing up for a new extras health insurance policy, some health funds may have promotions that waive the shorter waiting periods (such as two and six months), allowing you to claim immediately.

Your health fund may outline particular requirements that you need to meet to claim for chiropractic services. For example, health funds may have a condition that you can only claim chiropractic sessions if your treatment is carried out by an approved chiropractor that is recognised by the health fund.

Your policy brochure will contain more information about such conditions or requirements, so make sure you read this before you sign up to know what you’re covered for.