Chiropractic Insurance & Payment Options

Good news: many health insurance plans cover chiropractic care — and at KOAH Chiropractic, you don’t have to figure out your coverage alone. Call us at (815) 293-3000 before your first visit and our billing specialist will verify your benefits for you, usually the same day. If you don’t have insurance, we’ll walk you through simple self-pay options with no surprises. Se habla español.

Does Insurance Cover Chiropractic Care?

Chiropractic care is one of the most commonly covered forms of conservative treatment. Most major health plans — including many employer PPO and HMO plans — include coverage for chiropractic exams and spinal adjustments, especially when care is medically necessary for conditions like back pain, neck pain, or headaches.

That said, every plan is different. Some plans cover a set number of visits per year, some require a copay per visit, and some services offered at KOAH — such as massage therapy — are often not covered by standard health insurance even though they may be eligible for HSA or FSA funds. The only way to know for sure is to check your specific plan — and that’s exactly what we do for you.

Insurance Plans We Accept

KOAH Chiropractic accepts Blue Cross Blue Shield of Illinois, UnitedHealthcare, Medicare, and Aetna. Coverage and out-of-pocket costs vary by individual plan — your deductible, copay, coinsurance, visit limits, and referral requirements all depend on your specific benefits, not just the name on your card. That’s why we check for you before your first visit.

Aetna

Looking for a chiropractor accepting Aetna near Romeoville? KOAH Chiropractic accepts Aetna plans. Because Aetna offers many different plan designs, call us and we’ll help you understand what your specific plan covers for chiropractic care.

Blue Cross Blue Shield of Illinois (BCBSIL)

KOAH Chiropractic accepts Blue Cross Blue Shield of Illinois, one of the most common plans we see from patients in Romeoville and across Will County. BCBSIL coverage for chiropractic care varies by plan — call and we’ll walk you through your benefits.

Medicare

KOAH Chiropractic accepts Medicare. Medicare Part B covers medically necessary spinal manipulation performed by a chiropractor, while some related services may not be covered. Call our office and we’ll explain exactly how your Medicare coverage applies to your care.

UnitedHealthcare

KOAH Chiropractic accepts UnitedHealthcare. UHC plans differ in visit limits and copays for chiropractic care, so the fastest path to a clear answer is a quick call to (815) 293-3000.

Don’t see your plan listed? Call us anyway — plan networks change, and even when we’re out-of-network we can often provide documentation for out-of-network reimbursement. Our team will give you a clear answer before you book.

Paying Without Insurance

No insurance? You’re still welcome at KOAH — and you’ll always know your cost up front. Our New Patient Exam is $200 and includes a consultation, a complete chiropractic exam, and X-rays if needed. Then, at your report of findings visit, Dr. Ellul will explain exactly what care he recommends and what it costs before anything begins.

Most chiropractic services at KOAH are also eligible expenses for HSA and FSA accounts, which lets you pay with pre-tax dollars — check with your plan administrator to confirm.

In a Car Accident? Your Auto Insurance May Cover Care

If you were hurt in a car accident, your chiropractic care is often covered through auto insurance medical payments (med-pay) or a personal injury claim — not your health insurance. Romeoville sits on some of Will County’s busiest corridors, and we see the aftermath of I-55 and Weber Road fender-benders every week. Bring your claim information to your first visit and we’ll help you sort out the billing so you can focus on recovering. Learn more on our auto injury care page.

Frequently Asked Questions

Does KOAH Chiropractic accept my insurance?

We accept Blue Cross Blue Shield of Illinois (BCBSIL), UnitedHealthcare, Medicare, and Aetna. The fastest way to find out about yours is to call (815) 293-3000 — our billing specialist will verify your specific benefits, usually the same day, in English or Spanish.

What does chiropractic care cost without insurance?

Your first visit is a $200 New Patient Exam that includes a consultation, a complete chiropractic exam, and X-rays if needed. At your second visit — the report of findings — Dr. Ellul recommends a care plan and you see the full cost of every visit before committing to anything.

Does Medicare cover chiropractic care?

Yes — KOAH Chiropractic accepts Medicare. Medicare Part B covers medically necessary spinal manipulation performed by a chiropractor. Other services, such as massage therapy, are generally not covered by Medicare. Call us and we’ll explain what your coverage looks like for your situation.

Can I use my HSA or FSA to pay for chiropractic care?

In most cases, yes — chiropractic care is a qualified medical expense for HSA and FSA accounts, and massage therapy may also qualify when it’s part of your care. Confirm the details with your plan administrator, and we’ll provide any receipts or documentation you need.

Does insurance cover massage therapy?

Standard health insurance usually does not cover massage therapy on its own. Many patients pay for massage with HSA/FSA funds or self-pay. See our massage therapy page for session options.

Is chiropractic care covered after a car accident?

Usually, yes — through your auto insurance medical payments (med-pay) coverage or a personal injury claim rather than your health plan. Bring your claim number and insurance details to your first visit and we’ll handle the paperwork side with you.

New to chiropractic? See what to expect at your first visit, or meet the team who’ll take care of you.