Cover for chiropractic treatment is available on most extras policies, from just $4
a week*.
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.
*Prices are based on a single person living in Sydney earning less than $93,000 per year.
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 $93,000 income and living in Sydney.
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.
Finder survey: How many people have made a claim for extras services?
Response
Female
Male
Chiropractic and osteopathy
11.3%
6.67%
Source: Finder survey by Pure Profile of 1006 Australians, December 2023
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.
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
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 cost
With 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 2024
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.
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Frequently asked questions
You can get cover for chiropractic services with most extras health insurance policies, starting from around $13 a month.
For chiropractic treatment, most extras policies have a waiting period of 2 months before you can claim a benefit. Many sign-up deals waive this waiting period, however.
Chiropractic therapy is designed for spinal health. It's a fairly common treatment for cases that involve lower back pain, chronic conditions and sprains. Chiropractors may adjust your spine or joints by using specific force, instruments or indirect pressure, depending on what they are treating.
Medicare will cover up to 5 chiropractic appointments each year if you have chronic pain. This will need to be diagnosed by a GP in advance.
The cost of chiropractic treatment varies by provider, but you'll generally need to pay an initial consultation fee, then a smaller fee for eeach follow-up session. Initial consults typically costs between $70 and $150, while follow up sessions generally cost between $40 and $70.
As Finder's insurance group publisher, Alex Holderness aims to make confusing topics easy to understand. She's been published in Money Mag, Yahoo Finance, Hospital Health, and is a contributing author for Google's Startup Grind. She has a keen passion for running and is currently studying for her General Insurance certification.
While COVID-19 vaccinations are free in Australia, other vaccines with out-of-pocket costs can be covered by private health insurance with some extras policies.
If you're wondering what pharmaceutical costs are covered by private health insurance, we've got a guide to health cover for non-PBS pharmaceuticals here.
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