Jordan Loewenstein, D.C. | La Jolla Chiropractor
Dr. Jordan Loewenstein is in-network with Blue Shield of California PPO plans — including plans administered through the ASH (American Specialty Health) network. Whether your chiropractic benefit runs through ASH or directly through Blue Shield PPO, your coverage works here.
Yes. Dr. Jordan Loewenstein is in-network with Blue Shield of California, so most Blue Shield PPO plans cover chiropractic care at his UTC San Diego clinic. Because visit limits and copays vary by plan, his office verifies your exact Blue Shield benefits before your first visit. No referral needed for most plans.
Blue Shield of California uses American Specialty Health (ASH) to administer chiropractic benefits on some plan types — particularly HMO plans and certain PPO riders. On these plans, your chiropractor must be an ASH participating provider for your benefits to apply, even if they’re otherwise in the Blue Shield network. Dr. Loewenstein is both a Blue Shield PPO in-network provider and an ASH participating provider — so regardless of which pathway your plan uses, your coverage works here. I identify exactly how your plan is structured when I verify your benefits before your first visit.
Blue Shield chiropractic benefits vary significantly by plan type. Here’s what each plan looks like — including the important Covered California distinction that most patients don’t know about.
Most individual-market Blue Shield PPO plans purchased through Covered California do not include chiropractic as a covered benefit — including most Platinum, Gold, and standard Silver PPO tiers. Only the Silver 1750 PPO (copays vary by plan, 15 visits/year) and HDHP variants include chiropractic coverage. If you purchased your Blue Shield plan through Covered California, call me at (858) 558-3111 and I’ll confirm whether your specific plan includes chiropractic before your first visit. If it doesn’t, I offer straightforward cash-pay rates.
Patients frequently confuse these two carriers — they sound similar but are completely separate companies with different networks, different plans, and different billing systems.
A California-only nonprofit health plan. Uses ASH for chiropractic benefit administration on some plan types. Common with state employees, CalPERS, and many California employers. Dr. Loewenstein is in-network with Blue Shield PPO and is also an ASH participating provider.
A separate insurance company — part of the national Elevance Health (formerly Anthem) network. Also accepted at this office. UCSD students on UC SHIP are covered through Anthem Blue Cross. See the Anthem page →
Most Blue Shield PPO plans cover chiropractic care for musculoskeletal conditions. Coverage is subject to medical necessity — treatment must be actively improving your condition.
The most common questions Blue Shield patients ask before their first chiropractic visit in San Diego.
Yes — Dr. Jordan Loewenstein is in-network with Blue Shield of California at his La Jolla / UTC San Diego office. Benefits are verified free before your first visit. Use the benefits check form to get started.
Most employer-sponsored Blue Shield PPO plans cover chiropractic care for musculoskeletal conditions. Coverage typically includes 15–30 visits per year with a copay that varies by plan after your deductible. However, most Covered California individual-market Blue Shield PPO plans do not include chiropractic as a covered benefit. Use the benefits check form and I'll verify your plan before your first visit.
American Specialty Health (ASH) is a third-party administrator that Blue Shield uses to manage chiropractic benefits on some plan types — particularly HMO plans and PPO plans where chiropractic is added as a separate benefit rider. On these plans, your chiropractor must be in the ASH network for your benefits to apply. Dr. Loewenstein is an ASH participating provider, so if your plan routes through ASH, your coverage works here. Many employer PPO plans process chiropractic directly through Blue Shield without the ASH layer — I determine which pathway applies when I verify your benefits.
Most Blue Shield PPO plans do not require a referral for chiropractic care. Blue Shield HMO plans with a chiropractic rider also generally do not require a referral for the initial chiropractic evaluation. I confirm your specific referral requirements when I verify your benefits before your first visit.
Most Blue Shield employer PPO plans cover 20–30 chiropractic visits per calendar year. CalPERS PPO plans cover 20 visits per year combined with acupuncture. HMO plans with chiropractic riders typically cover 30 visits per year. Covered California plans that include chiropractic are generally limited to 15 visits per year. All visits are subject to medical necessity.
Most Covered California Blue Shield PPO plans do not include chiropractic as a covered benefit — including most Platinum, Gold, and standard Silver PPO tiers. Chiropractic is only included in the Silver 1750 PPO (copays vary by plan, 15 visits/year) and certain HDHP variants. If you’re unsure, call me at (858) 558-3111 and I’ll check for you. If your Covered California plan doesn’t cover chiropractic, I offer straightforward cash-pay rates.
Blue Shield and ASH require that chiropractic care be for musculoskeletal disorders of the spine, neck, and joints — and that treatment produces measurable improvement. After the initial exam, continued visits must be determined medically necessary. ASH reviews medical necessity and responds within 5 business days. Maintenance care is generally not covered. I document your progress on every visit to support medical necessity and prevent claim denials.
For employer PPO plans, out-of-network chiropractic is typically covered at a reduced rate — usually coinsurance that varies by plan. For plans that route through ASH, going to a non-ASH provider typically means no coverage at all, even if the chiropractor is in the broader Blue Shield PPO network. For HMO plans and most Covered California plans, out-of-network chiropractic is generally not covered. This is why verifying your specific plan structure before booking matters.
Yes. Chiropractic care is a qualified medical expense under IRS guidelines. You can use your HSA or FSA to pay for copays, deductibles, and out-of-pocket costs regardless of your Blue Shield plan type. I accept HSA and FSA cards directly at my office.
I’m currently accepting new Blue Shield patients in UTC San Diego. Use the benefits check form or book online and I'll verify your coverage, including whether your plan routes through ASH, before your first visit.
I'll contact your carrier and email you your copay, whether your deductible applies, and your remaining visits. Most checks are done the same business day.
Need to add something? Email hello@sdspinecare.com.
Send me the details printed on your insurance card, or just snap a photo of the front and back, and I will verify your coverage with your carrier myself. You'll know your copay, whether your deductible applies, and your visit limit before your first appointment. Most checks come back the same business day.