If you’re using insurance for chiropractic care, the two things that matter most are:
- Clinical appropriateness (what we find on exam and what diagnosis best explains your symptoms)
- Coverage details (copays, deductible, visit limits, and any authorization rules)
Our office helps with the second part so you can focus on the first.
Does Your Insurance Cover Chiropractic Care?
Dr. Woodroof explains how we verify your benefits and make coverage simple at our Olathe chiropractic office.
How Insurance Works at Woodroof Chiropractic & Acupuncture
Insurance is an administrative tool—not a diagnosis. Coverage can vary widely even within the same insurer and employer.
Here’s our process:
- Benefits verification before your appointment (with your permission)
- Clear explanation of copay, coinsurance, deductible status, and visit limits
- Transparent discussion of what your plan covers and what it does not
- Straightforward self-pay options when a service is not covered
Our goal is simple: you understand your expected costs before care begins.
Why Evaluation Comes First
We do not recommend care based on a generic symptom list. Chiropractic care is most effective when it’s guided by a working diagnosis and objective findings.
At your first visit we focus on:
- History and symptom pattern (onset, aggravating/alleviating factors, functional limitations)
- Physical exam with orthopedic and neurologic screening when indicated
- Determining whether chiropractic care is appropriate—or if imaging or referral is needed
For condition-specific clinical guidance, start here:
What Insurance Plans Do We Accept?
We proudly accept a wide range of health insurance providers for chiropractic services. Below is a sample list of insurance companies we partner with — please call to confirm your specific plan and chiropractic benefits:
- Aetna
- All Savers
- Ambetter
- Blue Cross Blue Shield
- Cigna
- GEHA
- Humana
- Medicare
- UMR
- United Healthcare
- VA Community Care
- Health Partners
If you don’t see your insurance listed, don’t worry. Call our office at 913-735-6351 or use our contact form, and we’ll be happy to review your policy and verify your chiropractic coverage.
Will I Know My Costs Before Treatment Starts?
Yes. After verification, we review your expected costs (copay/coinsurance/deductible) and provide an estimate for your first visit and typical follow-up structure. Any non-covered services are discussed up front.
HSA / FSA
Yes—HSA and FSA cards are commonly used for copays, deductibles, or services not covered by insurance.
Important Note About Coverage vs. Medical Necessity
Insurance coverage does not determine what is clinically appropriate. If a plan does not cover a specific service, we can discuss alternatives and/or self-pay options—but care recommendations remain based on exam findings, diagnosis, and prognosis.
What Patients Often Say
“Patients often tell us they appreciate how easy it is to understand their benefits since we verify everything ahead of time.”
Health Insurance & Payment FAQs
Simple answers about coverage, costs, and how we work with your benefits
1. Does insurance determine what treatment I receive?
Answer:
No. Clinical findings determine care. Insurance coverage affects how services are billed, not how diagnoses are made or what is medically appropriate.
2. Will I know my costs before starting care?
Answer:
Yes. We verify benefits before your first visit and review copays, deductibles, and any visit limits so you understand expected costs in advance.
3. What if a service is not covered by my insurance?
Answer:
If a service is not covered, we discuss self-pay options or alternative approaches when appropriate. Care recommendations are still based on clinical evaluation.
4. Do I need a referral or authorization?
Answer:
Most plans do not require a referral. Some plans may require authorization, which we will identify during benefits verification.
5. Can I use my HSA or FSA?
Answer:
Yes. HSA and FSA accounts are commonly used for copays, deductibles, and non-covered services.
6. What information do you need to verify my benefits?
Answer:
We typically need your insurance card and basic demographic information to verify chiropractic benefits.
7. What’s the best next step if I’m unsure about coverage?
Answer:
Schedule an evaluation. Once we understand your condition and diagnosis, we can explain both clinical recommendations and insurance considerations clearly.
Ready to See What Your Insurance Covers?
Ready to Get Clear Answers—Clinically and Financially?
