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Medical Billing for Chiropractor: Complete Guide from HelloMDs

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Are you a chiropractor struggling to manage the increasing complexity of medical billing for chiropractor practice? Accurate billing today goes far beyond simply submitting claims. It requires a deep knowledge of chiropractic-specific coding rules, payer regulations, and strict documentation standards.

Many people assume that this practice is simple and easy, but in reality, it involves complex layers of CPT/ICD-10 codes, insurance-specific compliance requirements, and constant regulatory updates. As we move from 2025 to 2026, billing for chiropractic services has become more precise and heavily regulated than ever before. And do you know that practices lose an average of 15-20% of potential revenue due to coding errors, claim denials, and costing billions nationally?

What Is a Chiropractic Billing?

Chiropractic billing is the process of submitting claims to insurance providers for services like spinal manipulations, evaluations and therapies. It ensures your practice gets reimbursed for treating conditions such as back pain or subluxations. Simply, chiropractic billing means the process of translating the clinical services provided during patient visits into standardized medical codes that insurance payers recognize and reimburse. For example, Medicare (Part B) covers only manual spinal manipulation for subluxations, not extras like X-rays or massages

But why does it matter? According to the Centers for Medicare & Medicaid Services (CMS), proper coding and documentation are essential for avoiding claim denials and audit risks.

Did You Know? According to Invensis Technology, outsourcing chiropractic billing can reduce claim denials by up to 80%, allowing you to focus on patient outcomes.

Why Accurate Chiropractic Billing Is Important

Accurate chiropractic billing is important for protecting your practice’s revenue, maintaining compliance and delivering a positive patient experience. Even a small billing error, such as CPT/ICD-10 codes, can create long-term financial and operational challenges

Protects Practice Revenue

Accurate billing reduces revenue loss caused by coding errors and claim denials.

Reduces Claim Denials

Proper CPT and ICD-10 coding are important for claim denial prevention in chiropractic billing. It improves first-pass claim acceptance and speeds up reimbursements.

Ensures Compliance

Strong chiropractic billing compliance lowers the risk of audits and penalties while supporting adherence to Medicare, Medicaid and commercial payers guidelines

Improves Patient Trust

Clear and accurate billing prevents unexpected charges and strengthens patient confidence.

Supports Practice Growth

Consistent billing accuracy ensures steady cash flow and long-term chiropractic reimbursement impact on practice stability.

Hello MDs Advice: We regularly see practices that recover 20-30% more revenue simply by standardizing their documentation and verification workflows. The key is creating a system where billing accuracy becomes automatic, not an afterthought

Why Accurate Chiropractic Billing Is Important

Step-By-Step Process of Chiropractic Medical Billing

Navigating the chiropractor billing process doesn’t have to be overwhelming. Let’s break it down into clear steps for efficiency.

1. Patient Intake and Insurance Verification:

Start by collecting demographics and verifying coverage. Contact the insurance company to:

Confirm:

  • Coverage for chiropractic care
  • Number of allowed visits per year
  • Co-pay and deductible
  • Pre-authorization requirements

2. Document the Visit

  • Take detailed SOAP notes (Subjective, Objective, Assessment, Plan)
  • Record all treatments, modalities, and patient responses
  • Accurate documentation is important for insurance and audits

3. Proper Coding

  • Assign ICD-10 codes for diagnosis (M54.5 for low back pain)
  • Assign CPT codes for treatments (e.g., 98940-98942 for adjustments)
  • Add modifiers if necessary (e.g., -25 for separate E/M services)
  • Ensure coding aligns with pre-authorization requirements to avoid claim denials

4. Claim Submission

  • Enter charges into billing software
  • Submit electronic claim via clearinghouse or paper claim (CMS-1500)
  • Always double-check the patient information, coding and dates to avoid rejections

5. Payment Posting & Denial Management

  • Post insurance payments and patient payments.
  • Review EOBs for denials or underpayments.
  • Correct and resubmit denied claims promptly.

6. Patient Billing & Follow-Up

  • Bill patients for co-pays, deductibles, or non-covered services.
  • Follow up on unpaid balances and monitor accounts receivable.
  • Keep accurate records for audits and compliance.

Tips for Efficiency:

  • Integrating EHR for chiropractic billing streamlines this, reducing manual errors.
  • Robust documentation is key to getting paid, tracking patient progress over time.

At HelloMDs, our insurance eligibility verification for doctors and charge entry services ensure this process is seamless, helping chiropractors like you focus on adjustments rather than admin work.

Step-By-Step Process of Chiropractic Medical Billing

Essential CPT, ICD-10 & HCPCS Codes for Chiropractors

Selecting the right codes is crucial for reimbursement. Here’s a breakdown of chiropractic CPT codes, ICD-10 codes for chiropractic services, and HCPCS codes for chiropractors.

Common spinal manipulation CPT codes include:

  • CPT 98940: CMT for 1-2 spinal regions.
  • CPT 98941: CMT for 3-4 spinal regions.
  • CPT 98942: CMT for 5 spinal regions.
  • CPT 98943: Extra-spinal manipulation (not covered by Medicare).

For E/M:

  • CPT 99202-99205: New patient visits.
  • CPT 99211-99215: Established patient visits.

Therapies like 97110 (therapeutic exercise) and 97140 (manual therapy) are billed in 15-60 minutes.

ICD-10 codes for chiropractic services:

It is primarily from the M40-M99 (Musculoskeletal system & Connective tissue)

  • M99.0x: Somatic Dysfunction
  • M54.x: Back Pain
  • M25.5x: Joint pain

HCPCS codes for chiropractors primarily involve modifiers rather than separate codes. The AT modifier is crucial for Medicare claims, indicating active/corrective treatment rather than maintenance care.

Note: Chiropractors often bill therapeutic activity services as part of patient rehabilitation. Proper use of CPT Code 97530 is critical in medical billing for chiropractors to ensure accurate claims and avoid reimbursement delays.

Insurance and Reimbursement in Chiropractic Billing

Understanding chiropractic insurance billing is key to maximizing payouts. Medicare Part B covers manual manipulation of the spine to correct vertebral subluxation with supporting documentation. There is no hard 12-visit cap, though payers may institute review screens after frequent visits

  • To boost chiropractic reimbursement rates, justify the necessity with detailed PART notes.
  • Handle denied claims in chiropractic billing by appealing promptly. Common reasons include missing AT modifiers.
  • Payer rules for chiropractic claims vary; private insurers may require pre-authorizations.

Did You Know: Our prior authorization and RCM healthcare services navigate these  rules, ensuring faster reimbursements and compliance.

Common Errors and How to Avoid Them

Top chiropractic billing mistakes

  • Miscoding regions (e.g., billing 98941 without documenting 3-4 areas) or omitting modifiers like 59 for distinct services.
  • Claim denials chiropractic often stem from incomplete documentation 89% of audited Medicare claims lack details.
  • Chiropractic billing compliance issues include overusing modifiers, risking audits.
  • Undercode to avoid audits may reduce risk but also leaves revenue unclaimed. Best solution include regular audits and staff training.

HelloMDs’ medical billing audit services catch these early, while our account receivable team recovers underpayments efficiently.

Best Practices for Efficient Chiropractic Billing

In-House Billing Works When:

  • You have a certified coder (AAPC or equivalent) on staff
  • Daily claim volume is manageable (under 100 claims/day)
  • You invest in robust practice management software
  • Staff receive ongoing training on coding updates

Outsourced Billing Makes Sense When:

  • Your practice is growing rapidly
  • Denial rates exceed 10%
  • You lack specialized chiropractic billing expertise
  • You want to focus entirely on clinical care

Conclusion:

Effective chiropractic billing is important to make sure your practice gets paid correctly, stays compliant, and runs smoothly. By following a clear process from patient intake and insurance checks to proper documentation, coding, claim submission, and payment posting. You can reduce claim denials, avoid losing revenue, and build patient trust.

Using tools like EHR systems, prior authorization services, and professional billing support makes the process faster and easier, letting you focus on patient care. Regular staff training, audits, and following insurance rules help your practice work efficiently and get the most out of every claim.

Disclaimer: This content is for general purposes only and does not replace professional billing or legal advice, just like Hello Mds provides. Some illustrations or graphics may be digitally created for demonstration purposes. Always verify coding and insurance rules with official sources and payer guidelines.

Frequently Asked Questions

Yes. Chiropractic billing uses unique CPT codes (98940–98942), specific coverage rules, Medicare restrictions, spinal manipulation documentation, and required modifiers, which differ significantly from physical therapy billing practices.

No. E/M codes are only billable when a significant, separately identifiable evaluation beyond routine chiropractic manipulation occurs, and it must be fully documented in the patient record.

Medicare requires SOAP notes, a documented subluxation diagnosis, a treatment plan, progress notes, and the AT modifier to prove active, corrective care instead of maintenance therapy.

Electronic claims are typically processed in 14–30 days, while paper claims may take 30–45 days. Payment timing depends on claim accuracy and individual payer processing rules.

Denied claims can be corrected, resubmitted, or appealed. Common resolutions include adding missing modifiers, correcting diagnosis codes, or improving documentation to meet payer requirements.

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