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:
| Required Field | Why It Matters |
| Chiropractor’s Full Name & License # | Verifies legitimacy |
| Clinic Name & Contact Info | For insurer record |
| Patient Name | Must match plan holder or dependent |
| Date of Service | To apply to correct benefit year |
| Treatment Description | e.g. \”Spinal Adjustment + Assessment\” |
| Paid in Full Status | Proof of transaction |
💬 Ruby at insurance.rmtclinic.net 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
