Worried about the cost of care after a car accident? You may not have to be. In many cases, chiropractic treatment is covered by auto insurance, allowing you to get the care you need without paying out of pocket.
At Waldo Wellness Group, we’ve helped countless patients recover from accident-related injuries while guiding them through the insurance process step by step. If you’re experiencing soreness, stiffness, or discomfort, understanding how your benefits work is the first step toward a smoother recovery.
What Types of Auto Insurance Cover Chiropractic Care?
There are a few key types of auto insurance coverage that often include chiropractic treatment. Here’s what to look for in your policy or what we can help verify for you.
Medical Payments Coverage (MedPay)
MedPay is optional coverage you can add to your auto insurance policy. It pays for medical expenses after an accident, no matter who caused it. This includes chiropractic visits, imaging like X-rays, and follow-up care. If you have MedPay, we can usually bill your provider directly.
Personal Injury Protection (PIP)
Some states require PIP coverage, but even if it’s optional in Missouri, it’s incredibly useful. Like MedPay, PIP covers your medical care regardless of fault. It can also help with lost wages or essential services if your injury prevents you from working. At our clinic, we regularly treat patients using PIP benefits.
Liability from the At-Fault Driver
If another driver caused your accident, their insurance may be responsible for your treatment costs. In this case, we often work with your personal injury attorney under a medical lien. That means you won’t pay out of pocket, and we’ll wait to be reimbursed for the settlement.
How Chiropractic Treatment Works with MedPay and PIP
Not sure if you have MedPay or PIP? Don’t worry, we can help verify your coverage. If your policy includes either option, we’ll bill the insurer directly so you can get started on care without any financial stress.
Here’s what we typically treat after auto accidents:
- Whiplash and neck pain
- Headaches and dizziness
- Nerve irritation or pinched nerves
- Back pain, muscle stiffness, or herniated discs
- Radiating pain in the arms, legs, or hips
Many of these injuries respond well to chiropractic care, especially when started early. Using MedPay or PIP allows you to begin treatment without waiting for a legal case to resolve.
What to Expect from Our Insurance Billing Process
Our team at Waldo Wellness Group is here to make your post-accident care as simple as possible. We’ve designed our billing process with your peace of mind in mind.
Step 1: Insurance Verification
We’ll confirm your MedPay, PIP, or third-party liability coverage and explain what benefits apply to your situation.
Step 2: No Upfront Costs with Medical Liens
If we’re working through a legal claim, we’ll provide care under a medical lien. That means you can start treatment right away and pay later through your case settlement, no upfront cost required.
Step 3: Direct Billing and Documentation
We handle all paperwork, from billing your insurance to communicating with your attorney. You’ll receive documentation of every visit, which can be helpful if you need to support your case later.
Let Us Handle the Details
You shouldn’t have to figure out your insurance coverage alone after an accident. That’s why we work closely with your insurer or attorney to ensure everything is handled correctly, including helping you understand if chiropractic treatment is covered by auto insurance, so you can focus on healing. If you think you may be hurt or just want peace of mind, contact us. We’re here to help you feel better and get back to your routine as soon as possible.