Insurance and Medicare at a Surprise, AZ Chiropractor
Legg Chiropractic and Acupuncture accepts Medicare and most major insurance plans at 13757 W Bell Rd #101, Surprise, AZ 85374. We are located inside Sheitelman Physical Medicine, so look for that sign when you arrive. We verify your benefits before your first visit and tell you what your care will cost before it starts. No surprise bills, and no finding out weeks later that something was not covered. If you do not see your plan below, call (623) 214-7600 and we will check it in a few minutes.
Do You Take My Insurance?
We accept Medicare, Medicare Advantage, Blue Cross Blue Shield, UnitedHealthcare, Cigna, Aetna and Ambetter, along with most other major carriers. We also bill auto insurance for auto accident injuries and workers compensation for work injuries. Plans change and networks change, so the honest answer for any specific policy is that we verify it and tell you. That verification is free and it happens before you are treated, not after.
Does Medicare Cover Chiropractic Care?
Yes, with limits worth understanding before your first visit. Medicare Part B covers the spinal adjustment, which Medicare calls manual manipulation of the spine, when it is performed to correct a subluxation. A subluxation means a spinal joint is not moving properly. Dr. Legg documents that diagnosis as part of your examination, because without it Medicare will not pay the claim. This is the one chiropractic service Original Medicare covers, and we bill Medicare directly for it. You can read the official summary from Medicare at medicare.gov.
What Medicare Actually Pays in 2026
In 2026 the Medicare Part B deductible is $283. Once you have met it, Medicare pays 80 percent of the approved amount for a covered adjustment and you are responsible for the remaining 20 percent. The approved amount for an adjustment generally falls between $30 and $50, so most patients owe somewhere around $6 to $10 per visit after the deductible is met. If you carry a supplement or Medigap policy, that policy may cover part or all of your 20 percent.
There is no annual cap on the number of visits Medicare will cover. What matters instead is that your care is active treatment and that your condition is improving. Once care becomes maintenance, meaning we are holding you steady rather than making progress, Medicare coverage stops. Dr. Legg will tell you when you reach that point rather than letting you find out from a denied claim.
What Medicare Does Not Cover
Medicare covers the spinal adjustment, and nothing else a chiropractor does. That means X-rays ordered by a chiropractor are not covered, massage is not covered, and acupuncture and dry needling performed by a chiropractor are not covered.
Extremity adjusting is also not covered. If your shoulder, knee, elbow, wrist, hip, ankle or foot needs to be adjusted, Medicare does not pay for it, because Medicare limits coverage to manipulation of the spine. That surprises people more than anything else on this page, so we say it plainly rather than letting it show up on a bill.
All of these are billed as self-pay, and you will know the cost before we do anything. Nothing gets added to your visit without you agreeing to it first.
Medicare Advantage Plans
Every Medicare Advantage plan covers the spinal adjustment in 2026, because Part C plans are required to cover at least what Original Medicare covers. Beyond that, plans differ considerably. Some include extra chiropractic visits, some use copays instead of the 20 percent coinsurance, and some require you to stay in network. Bring your card and we will verify exactly what your specific plan does before your first visit. More detail is on our Medicare page.
Hurt in a Car Accident? How Billing Works
The reason most people wait to get checked after a crash is the bill, not the pain. In Arizona there are usually two ways to be seen without paying out of pocket. The first is MedPay, which is optional coverage on your own auto policy that pays regardless of who caused the crash and has no deductible. The second is a letter of protection, which means we treat you now and are paid out of your settlement later. Both routes commonly mean nothing out of pocket while you are being treated. Call us and we will tell you which one applies to your situation. More on personal injury care and auto accident injuries.
Work Injuries and Workers Compensation
If you were hurt on the job, workers compensation generally covers your care and you should not be paying out of pocket for it. Bring your claim number if you have one. If you do not have one yet, come in anyway and we will help you understand what to file. See work injuries for what to expect.
No Insurance? What Care Costs
Self pay patients are welcome and the pricing is straightforward. New patients can start with our $49 first visit, which includes an examination and the start of care rather than a consultation alone. Full terms and what is included are on that page. You get a quoted price for ongoing care at your report of findings, before your treatment plan begins. We do not sell packages up front and we do not quote a price only after you are already on the table. If you are on Medicare, see the Medicare sections above for how your adjustments are billed.
Insurance: Common Questions
Do I need a referral to see a chiropractor?
No. Arizona allows you to see a chiropractor directly, and no referral is needed for Medicare either. Walk ins are welcome Monday through Thursday.
Will you check my benefits before I am treated?
Yes, and it is free. We verify coverage and explain your expected cost before care begins. If something is not covered, you hear it from us first.
Does Medicare cover acupuncture from a chiropractor?
No. Medicare does not cover acupuncture or dry needling performed by a chiropractor. Those are billed as self pay and quoted to you in advance.
What should I bring to my first visit?
Your insurance card, a photo ID, and your claim number if this is an auto or work injury. See what to expect on your first visit.
Do you file the claims for me?
Yes. We file with your carrier directly. You are not handed a stack of paperwork to submit yourself.
Who You Will See
Dr. Derek M. Legg, D.C., M.P.H. earned his Doctor of Chiropractic at Logan University and a Master of Public Health, and is certified in acupuncture. You see the same doctor at every visit, which is also why your billing stays consistent and nothing gets handed off between providers.
Serving Surprise and the West Valley
We are on West Bell Road in Surprise, minutes from Sun City West, Sun City, El Mirage, Litchfield Park, Waddell, Peoria and Goodyear. Many of our Medicare patients come from Sun City West and the surrounding communities. See chiropractic care in Surprise, AZ or the full list of conditions we treat. Call (623) 214-7600 to have your benefits checked today.
Coverage details described here reflect Medicare rules as of 2026 and are provided for general information. Your own benefits depend on your specific plan, and we verify them individually before care begins.
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