Time
Open Status
Common Conditions
Insurance
Policy Guide
A simple guide to help you know what your policy includes,
what care options are covered, and how to use your benefits
confidently.
what care options are covered, and how to use your benefits
confidently.
Step 01
Check Coverage
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Before you book, confirm whether your insurance plan covers chiropractic care. Coverage can vary by plan, even within the same provider, so it’s worth checking the exact benefits listed in your policy. Ask if chiropractic is covered under “chiropractic,” “outpatient,” or “allied health,” and whether there are limits on visits or reimbursement. Also check if there’s a co-pay or a percentage you need to pay yourself. This step helps you avoid surprises and makes the claim process smoother later.
Step 02
Confirm Referral Requirements
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Some insurance providers require a GP referral letter or imaging referral before they approve reimbursement. This usually depends on your plan rules, the type of condition, or how the provider validates medical necessity. Contact your insurer and ask if a referral letter, X-ray referral, or any pre-approval is needed before starting care. It’s best to get this confirmed in writing (email or app chat) so you have proof if anything is questioned later. Knowing this upfront prevents delays or rejected claims.
Step 03
Get Your Referral (If Needed)
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If your insurer requires a referral, you can either visit your GP directly or ask ATLAS to guide you to a GP who can help. When speaking to the GP, explain your symptoms clearly and mention that your insurance requires a referral for chiropractic care. If imaging is requested, the GP may also provide a referral for X-rays or scans. Once you receive the referral letter (and imaging referral if needed), keep a copy for your records. This document is often what unlocks reimbursement approval for some plans.
Step 04
Pay & Collect Receipts
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At your appointment, you’ll pay ATLAS directly and receive an official receipt that you can use for your insurance claim. Make sure you keep the receipt safe and request any additional formatting if your insurer has specific requirements. Some providers ask for clear service descriptions, clinic details, and dates of treatment, so it’s important your documents are complete. If you are attending multiple sessions, keep every receipt rather than waiting to collect them all later. This makes your claim submission faster and easier to track.
Step 05
Submit Claim & Get Reimbursed
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Once you have your receipt(s), submit them to your insurance provider through their usual channel (app, portal, email, or branch). Include any referral letter or supporting documents if your insurer requested them. After submission, your provider will review the claim and reimburse you based on your plan coverage and limits. If they come back asking for extra support — like a chiropractor’s report or imaging copies — ATLAS can provide these upon request. Keep note of your claim reference number so you can follow up easily if needed.
