Chiropractic Coverage Tips: Avoid These 3 Common Mistakes

Introduction: Getting Adjusted Shouldn’t Mean Getting Denied

Chiropractic care can be life-changing for back pain, posture issues, workplace strain, and athletic recovery. But even with extended health coverage, many Canadians are missing out — or worse, having claims denied — because of avoidable mistakes.

In this article, we’ll walk you through 3 common chiropractic coverage errors (plus how to avoid them), so you can confidently book your next visit — and get reimbursed in full.

❌ Mistake #1: Seeing a Non-Registered Chiropractor

It sounds obvious, but it’s more common than you’d think — especially in multi-disciplinary clinics.

Most insurance providers only reimburse chiropractic treatment when performed by a licensed chiropractor (DC) in good standing with a provincial college.

That means:

• ✅ Their license number must appear on the receipt
• ✅ The treatment must fall within their regulated scope
• ❌ Services from massage therapists or physios under the label of chiro will not be covered

💡 Use RMTClinic.net to search only verified, registered chiropractors near you.

❌ Mistake #2: Missing Required Information on Your Receipt

A big reason claims get rejected? Missing or incomplete receipts.
Insurers are getting stricter — and if your paperwork isn’t right, your refund won’t come.

Here’s what your chiropractic receipt must include:

💬 Ruby at insurance.rmtclinic.online can double-check your receipts before you submit.

❌ Mistake #3: Not Using Direct Billing or Coordinating Plans

If you:

• Have multiple insurance plans (yours + spouse’s)
• Or forget to submit through the correct plan first

…you could delay or lose your claim.

Here’s what to do instead:

• ✅ Submit to your own plan first (primary coverage)
• ✅ Submit remaining unpaid balance to your spouse’s plan (secondary)
• ✅ Better yet — book with clinics that handle both plans through direct billing

➡️ RMTClinic.net lets you filter for clinics that direct bill multiple insurers — no paperwork, no waiting.

📣 Bonus Tip: Don’t Wait for Pain

Many plans cover routine maintenance visits — not just urgent injuries.
Use your chiro benefits throughout the year to:

• Improve posture
• Prevent flare-ups
• Enhance performance at work or in sports

And remember, most plans reset every December 31 — so don’t let coverage go unused.

✅ Action Steps

• 🔍 Use RMTClinic.net to find chiropractic clinics that bill your insurer
• 🧾 Double-check your receipts meet 2025 insurer rules
• 💬 Ask Ruby to walk you through submission or coordination of benefits

Author: Henry Tse