Chiropractor
accepting insurance
in San Diego

Most major insurance plans cover chiropractic care for musculoskeletal conditions including neck pain, back pain, sciatica, and headaches. Coverage varies by plan — some require a deductible first, others have a straight copay. Call (858) 558-3111 and we'll verify your specific benefits at no cost before your first visit.

Most PPO plans — including Aetna, Blue Shield, Anthem, UnitedHealthcare, and Cigna — do not require a referral for chiropractic care. Exceptions include Kaiser (requires an ASH referral from your PCP), UC SHIP for UCSD students (requires a referral from Student Health Services), and some HMO plans. We'll confirm your requirements when we verify your benefits.

This depends on your specific plan. Most PPO plans have a chiropractic copay of $20–$50 per visit once your deductible is met. Some plans require you to meet a deductible — typically $500–$2,000 — before coverage kicks in. We verify all of this before your first visit so you know exactly what to expect with zero surprises.

Most PPO plans cover 20–30 chiropractic visits per calendar year, subject to medical necessity. Some plans have unlimited visits with proper documentation. We track your remaining covered visits and notify you before you approach your limit so there are no billing surprises mid-treatment.

Yes — when treatment is actively improving your condition. Insurance covers chiropractic care that is medically necessary, meaning your condition is responding to treatment. Maintenance care — visits to maintain function once you've plateaued — is typically not covered. We document your progress thoroughly to support medical necessity for every covered visit.

Yes. Dr. Loewenstein accepts Medicare Part B for chiropractic care. Medicare covers manual manipulation of the spine to correct a subluxation when medically necessary. Medicare does not cover maintenance care or diagnostic imaging. All Medicare billing and documentation is handled in-house at the UTC San Diego office.

Yes. Chiropractic care is a qualified medical expense under IRS guidelines — you can use your HSA or FSA to pay for copays, deductibles, and out-of-pocket costs. HSA and FSA cards are accepted directly at the office.

Most insurance plans cover manual spinal manipulation, chiropractic exam and evaluation, and therapeutic modalities like electrical stimulation and therapeutic ultrasound when medically necessary. What's typically not covered: maintenance care, nutritional counseling, orthotics, and visits that aren't showing documented improvement. Every visit is properly documented to support coverage.

Generally no. Insurance covers chiropractic care that is actively improving your condition — meaning you're getting better with each visit. Once you've reached maximum improvement, maintenance visits to stay at that level are typically not covered. You'll be told upfront when you've transitioned from active care to maintenance so there are no surprise denials.

Dr. Loewenstein is in-network with Aetna, Blue Shield of California, Anthem Blue Cross, UnitedHealthcare, Cigna, HealthNet, American Specialty Health (ASH), VA Community Care Network, and Medicare. Being in-network means you pay your standard copay rather than a higher out-of-network rate. If your plan isn't listed, call (858) 558-3111 — we'll verify your status in minutes.

Yes. Dr. Loewenstein is an authorized VA Community Care Network provider in Region 5. Veterans eligible for VA Community Care can receive chiropractic treatment at the UTC office with no copay or deductible in most cases. You'll need a referral from your VA primary care provider first. Once you have the referral, call (858) 558-3111 and we'll handle scheduling and all VA billing directly.

It depends on your plan. Some plans have a straight copay for chiropractic with no deductible required — you just pay your copay each visit from day one. Others require you to meet your annual deductible before your copay kicks in. If you're mid-year and have already met your deductible, you may owe very little. We verify this specifically when we check your benefits so you know exactly what to expect before your first appointment.

Claim denials happen for a few reasons — missing documentation, visit limits exceeded, or medical necessity not established. We work proactively to prevent denials by documenting your progress thoroughly on every visit. If a claim is denied, we handle the appeals process on your behalf. You won't be left dealing with your insurance company alone. In the rare case a denial is upheld, we'll discuss your options including cash-pay rates before billing you anything unexpected.

It depends on your specific plan — and this is exactly why we verify benefits before your first visit. Many PPO plans cover the full treatment including soft tissue therapy (ART, myofascial release), electrical stimulation, and corrective exercises. However, some plans — including those that route through third-party administrators like American Specialty Health (ASH) — cover spinal adjustment only, regardless of whether they're HMO or PPO. For plans that only cover the adjustment, additional services carry a $20 out-of-pocket fee per visit. We identify all of this when we verify your coverage so there are zero surprises at checkout.

Bring your insurance card and a valid photo ID. We'll have already verified your benefits before your appointment so you'll know your exact copay when you arrive. If a referral is required by your plan (Kaiser, UC SHIP), bring a copy of that too. New patient intake forms can be completed online before your visit to save time in the office.

Straightforward cash-pay rates are available for patients whose insurance doesn't cover chiropractic or who prefer to pay out of pocket. Call (858) 558-3111 for current rates. Many patients find chiropractic care more affordable than expected — especially compared to ongoing medication or specialist visits.