FAQ · Chiropractic Basics

Does Insurance Cover Chiropractic Care in Florida?

Full Swing Healthcare chiropractor in Jacksonville, FL

Yes. Florida has strong chiropractic coverage, and most of our patients have at least some insurance benefit. We accept and bill the major carriers, and we verify your benefits before your first visit so there are no surprise bills.

Carriers We Accept

Full Swing Healthcare accepts and bills Florida Blue, United Healthcare, Humana, Cigna, Florida Medicaid, and the VA Community Care Network. When you call us at (904) 539-3352, our team pulls your benefits directly from your carrier. We tell you your copay, your deductible status, and how many chiropractic visits your plan covers each year. That conversation happens before you walk in the door, not after your first appointment.

How PIP Works If You Were in a Car Accident

Personal injury protection is a separate benefit from your health insurance. Florida law requires every registered vehicle to carry at least $10,000 in PIP coverage, and chiropractic care qualifies as a covered medical expense under that benefit. PIP does not work like a standard health deductible, but it does have one strict rule: you must seek care within 14 days of the accident to activate your benefits. Missing that window means losing access to PIP entirely.

  • No traditional deductible under PIP
  • Chiropractic, rehab, and related care all qualify
  • 14-day rule from accident date is firm, so do not wait

When Your Covered Visits Run Out

Most plans cap chiropractic at somewhere between 20 and 40 visits per year, though the exact number depends on your specific plan. Once those visits are exhausted, self-pay rates apply. Our self-pay pricing is straightforward: $115 for your first visit (comprehensive exam included) and $50 for follow-up visits. We also accept HSA and FSA cards, which many patients use to continue care once their covered visits are used up for the year.

Call us at (904) 539-3352 with your insurance card ready. We will confirm your exact coverage and out-of-pocket costs before you come in. Our office is at 13770 Beach Blvd #4, Jacksonville FL 32224.

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