PT and Chiropractic Are Not Covered Concurrently

PT and Chiropractic Are Not Covered Concurrently

Most insurances, including workers comp & no-fault do not allow patients to be treated for the same condition with both chiropractic and physical therapy during the same time period. Sometimes the patient will not mention to the provider that they are already receiving treatment. Then the provider sees the patient, submits the claim, but gets denied since the patient is already receiving care.

If you provide physical therapy, or if you are a chiropractor it is important that you ask the patient if they are already receiving or if they have received treatment for this condition, and if yes, by whom. Do not just assume that the patient will know to tell you.

If the patient informs you that they are currently receiving care you need to inform them that the services will not be covered. If the patient still wishes to be treated, you need to have him/her sign a waiver stating that they consent to the treatment, they understand that it will not be covered by insurance, and that they accept the financial responsibility for the services. The waiver should be signed each time the patient comes in for treatment.

You do not want to make the mistake of treating a patient with chiropractic manipulations several times before finding out that they are also seeing another provider for physical therapy for the same condition. Your claims get denied and it is too late to get the patient to sign a waiver.

The patient may not have known that it mattered, or maybe they just did not care. It really does not matter because either way you are out the money for your services. So make sure you cover yourself by asking the patient on their intake form if they are currently being treated or if they have been treated by another provider for the same condition. Then, based on how they answer that question you can ask them about their other treatment. This way you will be sure to get paid for your services.


PT and Chiropractic


PT and Chiropractic refer to two different forms of healthcare aimed at improving musculoskeletal health and function. While both focus on treating conditions related to the musculoskeletal system, they have distinct approaches and methodologies.

  1. Physical Therapy (PT): Physical therapy, often abbreviated as PT, is a branch of healthcare that uses physical methods and exercises to improve and restore mobility, function, and quality of life. PT is typically provided by licensed physical therapists who have completed formal education and clinical training.

Key aspects of physical therapy include:

  • Evaluation: The physical therapist assesses a patient’s condition, movement patterns, strength, flexibility, and other factors to develop a personalized treatment plan.
  • Treatment: PT treatments may include therapeutic exercises, manual therapy (such as massage or joint mobilization), heat or cold therapy, electrical stimulation, and other modalities to reduce pain and improve function.
  • Rehabilitation: Physical therapy is commonly used to help patients recover from injuries, surgeries, and various musculoskeletal conditions, such as back pain, joint problems, sports injuries, and neurological disorders.
  • Prevention: PT also focuses on preventing future injuries and optimizing overall physical health through exercise and education.
  1. Chiropractic: Chiropractic is a healthcare profession that focuses on diagnosing and treating musculoskeletal and nervous system disorders, primarily through manual adjustments or manipulations of the spine and other joints. Chiropractors, who are licensed professionals, believe that misalignments in the spine can affect the nervous system and overall health.

Key aspects of chiropractic care include:

  • Spinal Adjustments: Chiropractors perform specific adjustments to the spine and other joints to realign them, aiming to reduce pain and improve overall function.
  • Subluxations: Chiropractors often refer to spinal misalignments as subluxations, and they believe that correcting these subluxations can promote healing and well-being.
  • Holistic Approach: Chiropractic care often emphasizes a holistic approach to health, focusing on the relationship between the spine, nervous system, and overall body function.

While PT and chiropractic both deal with musculoskeletal conditions, it’s important to note that they have different philosophies and treatment methods. Some patients may benefit more from one approach over the other, depending on their specific condition and personal preferences. It’s always advisable for individuals seeking treatment to consult with healthcare professionals and discuss the best approach for their unique needs. Additionally, in some cases, PT and chiropractic care may complement each other, with patients receiving both types of treatment as part of a comprehensive rehabilitation plan.



Insurance is a way to protect against financial loss. It involves paying a premium to an insurance company in exchange for the promise of payment or reimbursement for certain losses or damages. Insurance can help individuals, businesses, and organizations manage risks and protect against unexpected events.

There are many different types of insurance available, including:

  1. Health Insurance: This type of insurance helps cover the cost of medical expenses, such as doctor visits, hospital stays, and prescription drugs.
  2. Life Insurance: Life insurance provides a lump-sum payment to the insured’s beneficiaries in the event of their death. It can help provide financial security for loved ones and cover expenses such as funeral costs and outstanding debts.
  3. Auto Insurance: Auto insurance provides coverage for damage or injury caused by a car accident. It can also provide coverage for theft, vandalism, and other incidents.
  4. Homeowners Insurance: This type of insurance helps protect homeowners against damage or loss to their property, as well as liability for injuries or damage caused to others on their property.
  5. Renters Insurance: Renters insurance provides coverage for personal property and liability for renters.
  6. Business Insurance: Business insurance provides coverage for various types of risks that businesses may face, such as liability, property damage, and employee injuries.

Insurance policies can vary widely in terms of coverage, exclusions, and premiums. It’s important to carefully review any insurance policy before purchasing it and to understand what is covered and what is not.

Insurance companies use various methods to assess risk and determine premiums, including actuarial science, statistical analysis, and underwriting. Factors such as age, health status, driving history, and location can all impact insurance premiums.

In conclusion, insurance is a way to protect against financial loss and manage risks. There are many different types of insurance available, including health insurance, life insurance, auto insurance, homeowners insurance, renters insurance, and business insurance.

It’s important to carefully review any insurance policy before purchasing it and to understand what is covered and what is not. Insurance companies use various methods to assess risk and determine premiums, and factors such as age, health status, driving history, and location can all impact insurance premiums.

Prepare and write by:

Author: Mohammed A Bazzoun

If you have any more specific questions, feel free to ask in comments.


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