One of the most common questions we hear from new patients at Empire Chiropractic in Nyack, NY is simple: will my insurance pay for this? The good news is that chiropractic care is covered by most insurance plans in New York — and in many cases, you may pay nothing out of pocket. Here is a straightforward breakdown of how coverage works for the most common insurance types.
New York No-Fault Insurance (After a Car Accident)
If you were injured in a motor vehicle accident, New York's no-fault law (Personal Injury Protection, or PIP) is your best friend. No-fault insurance covers medically necessary chiropractic treatment regardless of who caused the accident, up to $50,000 per person per accident. This coverage applies whether you are the driver, passenger, or pedestrian who was hit. You have 30 days from the date of the accident to file your no-fault claim. At Empire Chiropractic, we handle the no-fault billing process for you — you simply receive care. There is no copay under no-fault, and Dr. Greenberg's documentation ensures your care is properly substantiated for continued coverage.
Health Insurance (Blue Cross, Aetna, United Healthcare, Cigna, and Others)
Most major health insurance plans cover chiropractic care in New York. Coverage typically includes spinal manipulation (chiropractic adjustments) and is subject to your regular deductible and copay. The number of covered visits per year varies by plan — commonly 20 to 30 visits annually. Some plans require a referral from your primary care physician; others allow direct access to a chiropractor. Empire Chiropractic is in-network with most major commercial insurance carriers. Call our office and our staff will verify your benefits before your first appointment so there are no surprises.
Medicare
Medicare Part B covers chiropractic manipulation of the spine when it is medically necessary to correct a subluxation. There is no annual visit limit under Medicare for chiropractic, but coverage is limited to spinal adjustments — diagnostic services, therapy, and maintenance care are generally not covered. Dr. Greenberg documents each visit thoroughly to ensure Medicare compliance. After meeting your Part B deductible, Medicare covers 80% of the approved amount; you pay the remaining 20%.
Medicaid
New York Medicaid covers chiropractic services for eligible patients. Coverage includes spinal manipulation and related services. If you have Medicaid, contact our office to confirm participation in your specific plan.
Workers' Compensation
If you were injured on the job, New York Workers' Compensation covers chiropractic care with no cost to you. Coverage includes the evaluation, treatment, and any necessary diagnostic imaging related to your work injury. Dr. Greenberg has extensive experience treating workplace injuries and providing the detailed documentation that Workers' Comp carriers require. He treats conditions including back injuries from lifting, repetitive strain injuries, slip and fall accidents, and any other work-related musculoskeletal conditions.
Personal Injury (Premises Liability and Third-Party Claims)
If your injury was caused by someone else's negligence — a slip and fall at a store, an injury caused by another person, or any third-party liability situation — chiropractic care is typically covered as part of your personal injury claim. Treatment is provided on a lien basis, meaning our office bills the liable party's insurance directly. You receive care now and any outstanding balances are resolved when your case settles. Many of Dr. Greenberg's personal injury patients pay nothing out of pocket.
What If You Don't Have Insurance?
Empire Chiropractic offers straightforward self-pay rates and flexible payment arrangements. We believe cost should never be a barrier to essential care. Many uninsured patients are surprised at how affordable chiropractic treatment is compared to other medical options. Call (917) 882-9635 to discuss your situation and we will work with you.
The 1996 New York Chiropractic Insurance Mandate
It is worth noting that New York has required chiropractic coverage in health insurance policies since 1996 — a mandate that Dr. Greenberg himself helped pass as a then-director of the New York State Chiropractic Association. This law ensures that New Yorkers with health insurance have access to chiropractic care as part of their standard coverage. Empire Chiropractic serves patients from Nyack, Valley Cottage, West Nyack, Nanuet, New City, Suffern, Piermont, Blauvelt, Monsey, Spring Valley, Hillcrest, and all of Rockland County. Call us at (917) 882-9635 or stop by 207 Wanamaker Ln, Nyack, NY 10960 — your first consultation is always free.