Health insurance for chiropractic treatment

It may be possible to claim back hundreds of dollars on chiropractic treatment annually - up to a specified limit, subject to the terms of your health insurance plan.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

What you need to know

  • Cover for chiropractic treatment is available on most extras policies, from aroun $13 a month.
  • Extras policies will cover a certain amount or percentage each visit, up a to a yearly limit.
  • Most extras cover that includes chiropractic treatment will also include other benefits, like optical and dental.

Compare extras policies with chiropractic cover

Below are a few options from Finder partners with chiropractic benefits. All have a 2-month waiting period. All prices are based on a single individual with less than $90,000 income and living in Sydney.

1 - 10 of 43
Name Product Treatments Price Apply
black 50 saverExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +3 other treatments covered
$12.63
per month
HCF STARTER EXTRASExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +5 other treatments covered
$12.74
per month
Frank Basic ExtrasExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +4 other treatments covered
$13.57
per month
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +6 other treatments covered
$16.89
per month
Basic ExtrasExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +4 other treatments covered
$17.60
per month
Frank Easy ExtrasExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +6 other treatments covered
$20.21
per month
Basic ExtrasExtras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +4 other treatments covered
$24.92
per month
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +6 other treatments covered
$25.52
per month
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +10 other treatments covered
$26.54
per month
Flex 50Extras cover
  • Chiropractic
  • General Dental
  • Major Dental
  • Hearing aids
  • Optical
  • Physiotherapy
  • Psychology
  • Remedial Massage
  • +10 other treatments covered
$31.51
per month
loading

Compare up to 4 providers

How much is chiropractic treatment?

The cost of visiting a chiropractor can vary depending on who you see, but generally, there will be two different costs:

  • Initial consultation fee: Typically between $70 and $150.
  • Subsequent appointment fee: Generally between $40 and $80 per visit.

Who pays for chiropractic treatment?

Aside from paying all the fees out of pocket, there are two different options for paying for chiropractic services: Medicare and private health insurance.

public system

Medicare

Medicare can help with chiropractor costs for up to five visits a year if you suffer from chronic pain. To claim, you need to speak to your GP about a Chronic Disease Management plan (CDM) or Team Care Arrangement (TCA).

This could save you between $200 and $500 over the course of 5 sessions.

A chronic condition is defined as a pain or injury that you've had for six months or longer. Commonly these can include:

  • Headaches
  • Lower back pain
  • Neck and shoulder pain
  • Sciatica

  • Knee pain
  • Strains
  • Arthritis

If you are not eligible for a CDM plan or TCA, you either have to pay full price or get private health insurance.

extras cover

Extras cover

If you have an extras policy that covers chiropractic treatment, it can chip in on the cost, though you'll still likely have to pay some of the cost. Before you can claim, you may need to complete a waiting period of two months.

The amount you can claim per visit will depend on your extras policy, and there's generally a limit to how much you can claim each year, $300 for example.

Your insurer will most probably pay a percentage of your fee for each visit until you reach the total limit for the year. For example, if your initial consultation is $100 your insurer may pay you for 60% of the cost leaving you with an out-of-pocket expense of $40.Alternatively, you may get a set refund per session, such as $20 per hour.

Here's a summary of how those costs would compare with and without private insurance over time. In this case, saving you $188 over 8 treatments.

Treatment costWith extras cover
Visit 1$120$72
Visit 2$50$30
Visit 3$50$30
Visit 4$50$30
Visit 5$50$30
Visit 6$50$30
Visit 7$50$30
Visit 8$50$30
Total treatment cost$470$282

It's also a good idea to check whether your health insurer has a preferred provider before you see a chiropractor just to be sure that it will cover your claim. If you already have someone in mind, it's best to check if they take HICAPS payment, as you can then use your private health insurance card to get an on-the-spot discount.

Sign-up deal this May 2022

Many funds have sign-up deals that waive the waiting period for treatments like chiropractic - check out these verified deals from Finder partners to see if you could benefit.

Store Discount

Want 6 weeks free? Plus 2&6 month waits on extras waived?

New members only. Offer ends May 31. T&Cs apply.

Last verified

VERIFIED

Coupon code ends

Get 6 weeks free on eligible Hospital and Extras cover with HBF

Join HBF by 3 July 2022 on eligible Hospital and Extras cover and get 6 weeks free after 4 months. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

ahm Dealsahm Deals
VERIFIED

Want 6 weeks free? Plus, any 2&6 month waits on extras waived

New joins on eligible hospital & extras by June 30. Find out how.

Last verified

VERIFIED

Coupon code ends

Join and earn up to 110,000 Qantas Points

Quality health cover, plus rewards? Join Qantas Health Insurance and it could all be yours. Eligibility criteria and T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Get 6 weeks free + Waive 2 & 6 months waiting periods

Join hospital only or combined hospital & extras cover by 30 June 2022 for new members.

Last verified

Exclusive

Coupon code ends

Get $100 gift card + 10% off on extras premium (with combined cover)

Join hospital only or combined hospital & extras cover for new members. T&Cs apply.

Last verified

Get deal
VERIFIED

Get up to $200 cash card. PLUS 2-month waits on extras waived

Offer applies for new joins on hospital and extras by 31 May. T&Cs apply.

Last verified

VERIFIED

Coupon code ends

GMHBA dealsGMHBA deals
VERIFIED

Get one month free

Plus waive 2 & 6 month waits on extras when joining on combined cover by June 30. T&Cs apply.

Last verified

Get deal
VERIFIED

Deal ends

Frequently asked questions

Icons made by freepik, Good Ware, Those Icons from http://www.flaticon.com

More guides on Finder

Save on your health insurance

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site