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Insurance Accepted at Full Swing Healthcare in Jacksonville, FL

We accept most major insurance plans in Florida and we verify your benefits before your first visit. No surprises at checkout. If you don't have insurance, our self-pay rates are clear and fair.

Coverage at FSH

How Insurance Works Here

A lot of people avoid the chiropractor because they assume their insurance won't cover it or they don't want to deal with the billing headache. We understand both of those concerns. Here's the reality: most major plans in Florida do cover chiropractic care, and our front desk handles all the verification and billing so you don't have to figure it out yourself.

When you call to book your first appointment, we take your insurance information over the phone and verify your benefits before you come in. We'll tell you your copay, whether you have a deductible to meet, and exactly what your plan covers. That happens before your first visit, not after.

We accept six major insurance plans and we work with each of them regularly. Beyond chiropractic adjustments, many plans also cover acupuncture, massage therapy, and other services we offer. We'll check all of that for you when we verify.

Florida Blue

Florida's largest health insurer and one of the most common plans we see. Most Florida Blue PPO plans cover chiropractic adjustments with a standard specialist copay. HMO plans may require a referral from your PCP first. We'll clarify that when we verify your specific plan.

Chiropractic Verify for Acupuncture Verify for Massage

United Healthcare

United Healthcare plans vary widely by employer group and marketplace tier. Most UHC PPO and Choice plans include chiropractic benefits with a visit limit per year. We're in-network and we verify your specific visit allowance and copay before you come in.

Chiropractic Verify for Acupuncture Verify for Massage

Humana

Humana covers chiropractic care across most of their commercial and Medicare Advantage plans. Their Medicare Advantage plans in particular tend to have solid chiropractic benefits. If you're on a Humana Medicare Advantage plan in Jacksonville, your coverage is likely better than you think.

Chiropractic Medicare Advantage Verify for Acupuncture

Cigna

Cigna employer plans typically include chiropractic benefits with a defined number of covered visits per calendar year. Open Access Plus plans don't require a referral. If you're coming to us through an employer-sponsored Cigna plan, you most likely have coverage and can book directly.

Chiropractic Verify for Acupuncture No Referral on OAP Plans

Florida Medicaid

Florida Medicaid covers chiropractic care for eligible recipients. Spinal manipulation is a covered service under Florida Medicaid for medically necessary treatment. If you're on Medicaid and dealing with back pain, neck pain, or a spinal condition, you don't need to pay out of pocket to get care here.

Chiropractic Spinal Manipulation Medically Necessary Care

Veterans Affairs (VA)

We accept VA Community Care Network benefits for eligible veterans. Chiropractic care is a covered benefit through the VA and community care referrals allow veterans to receive treatment at approved private clinics like ours. If you're a veteran in the Jacksonville area dealing with service-related or general musculoskeletal issues, call us and we'll help you figure out your community care eligibility.

VA Community Care Chiropractic Verify Eligibility

Before your first visit, we verify your coverage. Call us at (904) 539-3352 with your insurance card and we'll tell you exactly what's covered, what your copay is, and whether a referral is needed. No surprises.

No Insurance? No Problem.

Transparent Self-Pay Rates

We believe cost shouldn't be the reason someone stays in pain. Our self-pay rates are straightforward. No hidden fees, no upselling, no surprises. These are the flat rates you pay if you're uninsured, if your plan doesn't cover chiropractic, or if you simply prefer to pay out of pocket.

$125

Initial Visit

Includes your full health assessment, orthopedic and neurological examination, review of any existing imaging, and your first chiropractic adjustment. Plan for 45 to 60 minutes.

$65

Follow-Up Adjustment

Standard follow-up chiropractic adjustment. Most follow-up visits run 20 to 30 minutes. Includes any necessary reassessment of your progress since the last visit.

$95

Adjustment + Soft Tissue

Combined session including a chiropractic adjustment plus soft tissue work such as IASTM scraping, cupping, or myofascial release in the same visit.

Rates subject to change. Call our office at (904) 539-3352 for current pricing on additional services like acupuncture, shockwave therapy, and massage therapy. We accept all major credit cards, debit, cash, HSA, and FSA cards.

Auto Accidents

PIP Insurance After a Car Accident

If you were in a car accident in Florida, your treatment may be covered under Personal Injury Protection (PIP) insurance regardless of who caused the accident. Florida is a no-fault state. Your own auto policy pays for medical treatment first.

The critical detail: you have exactly 14 days from the date of the accident to seek initial medical care or that PIP coverage is permanently lost. Don't wait to see if the pain gets better on its own. It often gets worse after 48 to 72 hours and by then some people have already missed their window.

We handle all PIP documentation and billing directly. If you have an attorney, we coordinate with them. If you don't, we can help you understand your options. Read more about how we treat auto accident injuries in Jacksonville.

Common Insurance Questions

Do you verify my insurance before my first visit?

Yes. When you call to book, give us your insurance information and we'll verify your benefits and call you back with exactly what your plan covers, your copay amount, and whether a deductible applies. You'll know all of that before you walk in the door.

Do you require a referral to use my insurance?

It depends on your plan type. HMO plans from Florida Blue and some other carriers require a referral from your primary care physician. PPO and Open Access plans typically don't. We'll tell you exactly what your plan requires when we verify. And in Florida, you never legally need a referral to see a chiropractor regardless of your insurance situation.

How many chiropractic visits does insurance typically cover?

This varies significantly by plan. Some plans cover 20 to 30 visits per year. Others have lower limits. Medicare and Medicaid have their own coverage structures. When we verify your benefits we'll tell you exactly how many visits you have available and what happens if you need more than that.

Does insurance cover acupuncture and massage at your clinic?

Some plans do. Coverage for acupuncture has expanded significantly in recent years, especially on employer-sponsored plans and Medicare Advantage plans. Massage therapy coverage is less common but some plans include it under physical rehabilitation benefits. We verify all of this when we check your chiropractic coverage, so you'll know upfront what else your plan pays for.

What if I hit my visit limit mid-treatment?

We'll let you know when you're getting close to your annual limit so it doesn't catch you off guard. At that point you can continue at our self-pay rates, which are $65 per adjustment. Some patients choose to extend through the end of the calendar year and then reset when their benefits renew in January. We'll work with you on a plan that makes sense.

Can I use my HSA or FSA card here?

Yes. Chiropractic care qualifies as a medical expense under IRS rules, so HSA and FSA cards work just like a debit card at our clinic. Acupuncture also qualifies. If you're sitting on unspent HSA or FSA funds near the end of the year, chiropractic and acupuncture are valid ways to use them.

Questions About Your Coverage?

Call us at (904) 539-3352 and we'll verify your benefits before you book. Same-day appointments available. Read patient success stories from Jacksonville patients we have helped.

Book Appointment (904) 539-3352