Insurance, Medicare, and what visits cost
The honest version, up front: we accept Medicare, and you can see us without insurance. Coverage differs by plan, so the most useful thing on this page is the free benefits check — text us a photo of your card and we’ll tell you your numbers before you book.
Plans we work with — as of September 2026
- Aetna
- Aetna Better Health of NJ (NJ FamilyCare)
- AmeriHealth NJ
- Horizon Blue Cross Blue Shield of NJ
- Horizon NJ Health (NJ FamilyCare)
- Clover (Medicare Advantage)
- EmblemHealth
- Humana
- Oscar
- UnitedHealthcare
- WellPoint
- Medicare
- AARP Medicare Supplement (UHC)
Coverage and benefits vary by plan. Text a photo of your card to 848-301-1515 with the word BENEFITS and we’ll verify before your visit.
Medicare
We accept Medicare. Here’s what Medicare actually covers at a chiropractor, because it surprises people: Medicare covers manual spinal adjustments provided by a chiropractor when they’re medically necessary; it does not cover exams, imaging, or other services from a chiropractor, and those would be your responsibility.
The no-charge consultation and exam is for new self-pay patients. If you have Medicare, NJ FamilyCare/Medicaid, or another federal or state health program, your visit is billed under that program's rules, and you'll know your cost before anything happens. If you have private insurance, the exam is billed to your plan and normal copays apply — text us a photo of your card with the word BENEFITS for a free benefits check first.
If you have a Medicare Advantage plan, coverage follows your plan’s rules.
“Dr. Mike at FIT Clinic is hands-down the best chiropractor I’ve seen.”
Individual experiences shared by patients; results vary.
Self-pay fees
No insurance, a plan we don’t accept, or you’d rather not use it? Straightforward pricing, no surprises:
| Visit | Fee |
|---|---|
| New-patient first visit (consultation and exam) | $0 for self-pay new patients (regular first visit with treatment $199; same-day treatment $75) |
| Follow-up / drop-in visit (established patients) | $75 |
| Membership — one visit a week, month to month | $169/month, or $1,825 paid in full for the year |
Membership is $169 a month, month to month — one visit a week, cancel with 30 days’ notice, and a 3-day right to cancel after signing. Prefer to pay once? A paid-in-full annual membership is 10% off ($1,825).
FIT Stretch and biofeedback training are self-pay services and aren’t billed to insurance.
What your first visit costs — the three cases
- Self-pay new patients: $0 for the consultation and exam. Included: the conversation, the evaluation, Dr. Brandon’s findings, your options, and answers. Treatment the same day, if you choose it, is $75 (a regular first visit with treatment is $199). Imaging and follow-ups only happen if you choose them.
- Using insurance: your exam and any treatment are billed to your plan; your copay, coinsurance, or deductible applies. We’ll tell you the amount before you come in.
- Medicare and other federal program beneficiaries: Adjustments are billed to Medicare.
“Dr. Mike & the staff are very friendly & professional.”
Individual experiences shared by patients; results vary.
Questions
Do I need a referral?
For most plans, no. Some HMO plans require one; we'll tell you when we check your benefits.
What if my visits run out?
We'll tell you how many visits your plan allows and where you stand before you use them up, and what self-pay would cost after that.
Can I just ask a person?
Yes — call or text 848-301-1515.
What patients say
“Dr. Mike & the staff are very friendly & professional. They really know how to help improve your quality of life.. I went in to see them & after a couple of visits with Dr. Mike he made me feel relax & got my range of motion with my back good again.”
“Dr. Mike at FIT Clinic is hands-down the best chiropractor I’ve seen. He’s incredibly knowledgeable, thorough, and truly cares about long-term wellness. I’ve seen real improvements thanks to his personalized care. Highly recommend!”
“I can’t say enough great things bout Dr. Brandon. As a competitive athlete with Spartan races and CrossFit, I’m constantly challenging my body and Dr. Brandon has been able to “fix” me on several occasions so I could compete. His knowledge and experience never cease to amaze me and I recommend him to my gym and friends.”
Individual experiences shared by patients; results vary.
“Dr. Mike at FIT Clinic is hands-down the best chiropractor I’ve seen.”
Individual experiences shared by patients; results vary.
Related: Your first visit · FAQ