Insurance Accepted for Chiropractic Care in Traverse City, MI
At Pathways Chiropractic, we work with all major insurance carriers to make chiropractic care as accessible and affordable as possible for our patients in Traverse City, MI. We know that navigating insurance can be confusing, which is why our team handles the verification and billing process on your behalf — so you can focus on your health, not the paperwork. Bring your insurance card to your first visit or contact us ahead of time and we’ll look into your benefits before you arrive. Call (231) 252-4249 with any questions.
Insurance Plans Accepted at Pathways Chiropractic
We accept a wide range of insurance plans at Pathways Chiropractic, including most major commercial carriers, employer-sponsored health plans, and government programs. Our goal is to maximize the chiropractic benefits available under your plan and ensure you understand your coverage — including any copays, deductibles, or visit limits — before treatment begins. Transparency is important to us, and we will always provide a clear picture of costs upfront so there are no surprises.
In addition to the specialized plans listed below, we accept most Blue Cross Blue Shield plans, Aetna, Cigna, United Healthcare, Priority Health, Blue Care Network, McLaren Health Plan, and many other regional and national carriers. If you’re unsure whether we accept your plan, simply call our office at (231) 252-4249 or text us your insurance card and we’ll verify your coverage right away.
Specific insurance plans we accept include:
Medicare and Medicaid — We are a preferred Medicare and Medicaid provider. Medicare covers spinal manipulation when medically necessary, and Medicaid provides 18 visits per year. We handle all documentation and billing for these plans.
MESSA (Michigan Education Special Services Association) — MESSA members receive 38 visits per year with coverage for both chiropractic and massage therapy on the same visit. Visits apply toward your deductible, and once the family deductible is met, all covered family members receive care at little to no cost.
Veterans Affairs (VA) Benefits — We proudly serve veterans and accept VA benefits for chiropractic care and massage therapy. VA coverage often includes both services when performed together in the same visit. We assist with the referral process if needed.
Auto Insurance (PIP) — Michigan’s no-fault auto insurance law requires personal injury protection (PIP) benefits to cover chiropractic care following a car accident. If you’ve been in an auto accident, we work directly with auto insurance carriers and handle all billing on your behalf.
Workers’ Compensation — We accept workers’ compensation insurance for patients with work-related injuries and assist with all required documentation to support your claim.
What to Expect When Using Insurance at Pathways Chiropractic
When you call to schedule your first appointment at Pathways Chiropractic, simply provide us with your insurance information or bring your card to your first visit. Our team will verify your chiropractic benefits — including your coverage type, visit limits, copay amounts, and deductible status — and review all of this with you before you begin care. We believe in complete transparency, and we will never begin treatment without making sure you fully understand your financial responsibility.
If your insurance plan does not include chiropractic benefits, or if you are uninsured, we offer affordable self-pay options so that cost is never a barrier to getting the care you need. Ask about our new patient special to get started at a reduced rate. Call (231) 252-4249 or book online today at Pathways Chiropractic in Traverse City, MI.
Insurance FAQs at Pathways Chiropractic
How do I find out if Pathways Chiropractic accepts my insurance?
The easiest way is to call our office at (231) 252-4249 or text us your insurance card information. Our team will verify your benefits directly with your insurance carrier and provide you with a clear summary of your coverage — including your copay, deductible, and visit limits — before your first appointment. We work with most major carriers and are happy to check your plan quickly.
Will Pathways Chiropractic bill my insurance directly?
Yes. We handle insurance billing directly on your behalf for all plans we accept. You will never need to submit claims to your insurance company yourself. Our team manages all billing, claims submission, and follow-up to ensure your care is processed correctly and efficiently.
What if my insurance has a deductible I haven’t met yet?
If your plan has an annual deductible that hasn’t been satisfied, you’ll be responsible for paying your visits at the contracted insurance rate until your deductible is met. Once it is, your insurance begins covering a portion or all of your visits depending on your plan. We will always let you know your deductible status and provide a cost estimate before treatment begins so you can plan accordingly.
Does my insurance cover both chiropractic and massage at the same visit?
This depends on your specific plan. MESSA, VA benefits, and some other plans do cover both services when performed in the same visit. Most standard commercial plans cover chiropractic care but may have separate or limited coverage for massage therapy. Our team will verify what your specific plan includes when we confirm your benefits before your first visit.
What if I don’t have insurance — can I still get chiropractic care at Pathways Chiropractic?
Absolutely. We offer affordable self-pay options for uninsured patients and those whose plans do not cover chiropractic care. We also accept cash, checks, and all major credit and debit cards. Ask about our new patient special when you call — it offers a discounted rate for your first visit and is a great way to experience the quality of care at Pathways Chiropractic without a large initial commitment.
Do you accept HSA and FSA cards for chiropractic care?
Yes. We accept health savings account (HSA) and flexible spending account (FSA) cards for chiropractic care and, when medically necessary, for massage therapy as well. These funds are an excellent way to manage out-of-pocket costs related to your deductible, copays, or any services not covered by your plan.
Does Pathways Chiropractic accept out-of-network insurance?
We are in-network with many major carriers in the Traverse City area, which typically results in lower out-of-pocket costs for patients. For plans where we are out-of-network, coverage may still be available depending on your plan type and out-of-network benefits. We recommend calling our office at (231) 252-4249 and providing your insurance information so we can check both your in-network and out-of-network benefit levels before your appointment.