The Short Answer
The average cost for a regular chiropractic visit is $60–$200, including an initial consultation fee. Specialized chiropractic therapy may cost anywhere from $100 to over $300, while a follow-up visit may be $40–$100 without insurance coverage. The total treatment cost can vary based on your specific treatment needs, diagnostic tests, clinic pricing and plans, location, frequency of visits, and other associated costs. However, many clinics may offer package deals, in-house financing, or flexible BNPL payment plans to make care affordable.
A chiropractic visit may be needed when you are dealing with neck stiffness, back pain, or other physical issues. Chiropractors focus on physical therapies to ease discomfort and help your body function better. A standard visit falls closer to $40–$100 or can be up to $200 for the first consultation and examination. So, ‘how much does a chiropractor cost’ may be a deep concern, especially for those without insurance.
In this blog, we’ll discuss how much you can expect to pay for chiropractor services, and financing options that can help.
How Much Does a Chiropractor Cost?
A single visit can typically cost $60 to $200, which includes the consultation fee and a manual adjustment. Regular sessions are generally required, which means the costs can add up slowly. On average, 2–3 sessions per week can cost $300–$600 without insurance, or even higher if you need specialized physical therapy. Which means the monthly chiropractor cost without insurance can easily range from $800 to $4000+.
Let’s Break Down the Chiropractor Cost from the Initial Consultation to Post-Treatment Costs
| Factors | Average Cost |
|---|---|
| Initial consultation and examination: | $60–$200 |
| Standard manual adjustment: | $50–$150 |
| X-rays (for diagnostics): | $100–$300 |
| Spinal decompression: | $100–$250+ (per session) |
| Specialized therapy (i.e., electric stimulation, cold laser therapy): | $150–$300+ |
| Follow-up visit: | $65–$100 |
Looking at the big picture, while most insurance plans may cover partial costs, it can still amount to substantial out-of-pocket costs.
Do Chiropractors Take Insurance?
Yes, if your health insurance plan covers it, you can use insurance to pay for medically necessary physical therapy. However, most payment plans may only provide partial coverage for medically necessary conditions and not long-term wellness therapies.
How Much Is a Chiropractor Session in Different Locations
| State/District | Chiropractor Cost Per Visit | Average Cost |
|---|---|---|
| Alabama | $65–$100 | $129 |
| Alaska | $65–$110 | $95 |
| Arizona | $60–$200 | $152 |
| Arkansas | $65–$195 | $131 |
| California | $75–$200+ | $150 |
| Colorado | $60–$175 | $152 |
| Connecticut | $60–$200 | $156 |
| Delaware | $30–$250 | $150 |
| District of Columbia | $106–$207 | $145 |
| Florida | $50–$200 | $151 |
| Georgia | $50–$100 | $75 |
| Hawaii | $60–$150 | $70 |
| Idaho | $60–$150 | $115 |
| Illinois | $45–$200 | $95 |
| Indiana | $50–$150 | $70 |
| Iowa | $70–$250 | $132 |
| Kansas | $60–$200 | $130 |
| Kentucky | $60–$200 | $140 |
| Louisiana | $50–$200 | $141 |
| Maine | $90–$175 | $100 |
| Maryland | $50–$250 | $177 |
| Massachusetts | $50–$225 | $172 |
| Michigan | $40–$150 | $74 |
| Minnesota | $40–$125 | $87 |
| Mississippi | $50–$200 | $134 |
| Missouri | $75–$150 | $134 |
| Montana | $100–$200 | $148 |
| Nebraska | $50–$150 | $75 |
| Nevada | $60–$150 | $80 |
| New Hampshire | $50–$150 | $92 |
| New Jersey | $60–$200 | $65 |
| New Mexico | $50–$200 | $80 |
| New York | $125–$300 | $148 |
| North Carolina | $60–$200 | $139 |
| North Dakota | $35–$160 | $138 |
| Ohio | $50–$150 | $75 |
| Oklahoma | $40–$280 | $129 |
| Oregon | $90–$180 | $95 |
| Pennsylvania | $130–$250 | $147 |
| Rhode Island | $50–$200 | $161 |
| South Carolina | $40–$160 | $142 |
| South Dakota | $60–$200 | $135 |
| Tennessee | $50–$125 | $85 |
| Texas | $55–$150 | $75 |
| Utah | $70–$189 | $85 |
| Vermont | $85–$200 | $163 |
| Virginia | $85–$155 | $146 |
| Washington | $60–$200 | $163 |
| West Virginia | $60–$200 | $134 |
| Wisconsin | $65–$150 | $76 |
| Wyoming | $65–$150 | $139 |
Different Financing Options for Chiropractor Cost
When searching for the “best chiropractor near me,” the cost is usually a concern for those without insurance. After all, when you have to foot the bill all by yourself, you may look for the cheapest chiropractic clinic or a discounted deal. However, there are various financing options to make this decision an easy one.
1. BNPL Option (Buy Now, Pay Later)
Many chiropractic clinics offer BNPL options with flexible payment options such as FinanceMutual, Sezzle, or Cherry Financing. Once you apply for BNPL, you can receive treatment by a qualified medical professional and pay via biweekly or monthly payment plans (small payments).
FinanceMutual only requires a soft credit check, which does not impact your credit score at all. It is required for verification purposes. It can be an excellent option when you need immediate payment flexibility on regular chiropractor visits and/or specialized therapy sessions.
However, it's crucial to check the terms of each provider to see the interest charges, late fees, and other repayment terms depending on how long the plan will be, before getting into any type of BNPL agreement.
2. Medical Credit Cards
Many chiropractic clinics may accept medical credit cards, which provide a quick and easy way of receiving payment. Medical credit cards like CareCredit are a frequent method of payment for chiropractic care for patients. This is especially true when treatment plans involve multiple visits or specialized therapeutic procedures.
Some medical credit cards offer promotional "no interest" for a specified period, which may be beneficial for people who can pay off the total balance within these defined financing terms.
However, qualifying for medical credit cards usually requires a hard credit check. Also, most medical credit cards charge late fees and high interest rates after the promotional terms expire. So it's essential to carefully track repayment dates on medical credit cards and make timely payments.
3. Third-Party Medical Financing
Many patients also opt for third-party financing options to fund chiropractic services, such as using personal loans or medical loans. These loans have predetermined monthly payment amounts, set interest rates, and short- and long-term loan durations.
Additionally, third-party medical financing companies can provide funding for patients receiving lengthy or extremely specialized programs of care that involve multiple treatments or expensive modalities (i.e., spinal decompression). The criteria for approval will vary, and interest rates are usually dependent upon each patient's credit.
Bottom Line
Chiropractic care can be highly effective, but it may not be cheap. Insurance may cover part of your care, but out-of-pocket expenses can still feel overwhelming. But the good news? Most clinics nowadays offer ways to make treatment more affordable.
The key is understanding your treatment plan and exploring alternative ways to pay without insurance. From BNPL options like FinanceMutual with soft checks to medical credit cards and third-party financing, there are various financing options to make your chiropractor visits budget-friendly.
FinanceMutual’s flexible payment options let you access the care you need while paying over time. So with the right financing solution, you can prioritize your health and stay consistent with your care.
Know Your Payment Options and Choose Personalized Payment Plans That Support Your Long-Term Wellness Goals and Your Budget.
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FAQs
1. Are Chiropractors Expensive?
Yes, chiropractors can be expensive in the long term, as an initial appointment costs between $60 and $200. Additionally, after the first visit, further diagnostic testing (X-ray, MRI, etc.) and specialized therapy may be required, increasing the overall cost of services. Patients generally need 3-5 follow-up visits to complete their treatment plan, increasing the overall costs even more without health insurance.
2. How Much Is a Chiropractor Session?
Chiropractic adjustments generally range from $30-$150 or higher. Including the consultation fee $40–$100 or more, the total cost can be between $60 to over $200. For specialized therapies like spinal decompression or electrical stimulation, the cost can be higher, generally ranging from $100 to $300+.
3. Does Insurance Cover Chiropractor Costs?
Yes, many health insurance plans cover chiropractor costs; however, the extent of coverage may vary. Most plans may offer partial coverage.
4. Is There a Way to Make Chiropractic Care More Affordable Without Insurance?
Yes, there are many options available for patients on a tight budget, including BNPL financing options, such as FinanceMutual, which is helpful for patients who require long-term chiropractic treatment or specialized treatments but can’t afford to pay the full upfront package payment.