HMSA
Effective April 1, 2026
HMSA plans require pre-authorization for chiropractic care, and approval is determined by the insurance company’s medical necessity guidelines; meaning that even if your policy includes chiropractic benefits, the insurance carrier ultimately decides whether services will be covered.
If your chiropractic benefits are managed through ASH, this new pre-authorization requirement does NOT affect your access to your chiropractic benefits.
Chiropractic benefits may not be included with every policy. CoPay, Co-Insurance and Deductibles vary with each plan.
If you have a PPO policy, you do not need a referral for chiropractic care.
If you have a HMO policy, we will need a referral from your primary care physician (PCP) in order to bill HMSA for your chiropractic visits in addition to a pre-authorization.
HMSA Quest policies do not carry chiropractic benefits.
If your plan does not cover chiropractic care, or if you do not meet HMSA’s medical necessity guidelines, we offer flexible self-pay options. Simply select “Book Self Pay Visit” from the menu to get started.
Please note: Eligibility and verification of benefits do not guarantee payment. Covered services are subject to your insurance carrier’s final determination.
Insurance typically only covers chiropractic adjustments to the spine.
Additional treatments like manual therapy and extremity care are optional and available for an extra fee.