Chiropractor accepting
UnitedHealthcare
in San Diego

Yes. Most UnitedHealthcare PPO plans — including Choice, Choice Plus, and Navigate — cover chiropractic care for musculoskeletal conditions. Benefits typically include 20 visits per year with a specialist-tier copay. Dr. Jordan Loewenstein is in-network with UnitedHealthcare through the Optum network at his UTC San Diego office. Call (858) 558-3111 and we'll verify your specific plan at no cost.

For in-network chiropractic care, Choice and Choice Plus have essentially identical benefits — same copay tiers, same visit limits, no referral required for either. The difference is out-of-network: Choice Plus allows you to see out-of-network providers at a higher cost share, while Choice either severely limits or doesn't cover out-of-network care at all. Since Dr. Loewenstein is in-network with UHC, this distinction doesn't affect your in-office cost either way.

OptumHealth Physical Health is a subsidiary of UnitedHealthcare that administers chiropractic benefits for many UHC plans — handling utilization review, medical necessity determinations, and some claims processing. If you see "Optum" or "OptumHealth" on your Explanation of Benefits, it's because your plan's chiropractic benefit routes through them. Dr. Loewenstein is in-network with both UnitedHealthcare and Optum, so your benefits apply here regardless of which entity is processing your claim.

It depends on your plan. UHC Choice and Choice Plus — no referral required. UHC Navigate — may require a referral from your primary care provider. CalPERS UHC HMO — no referral required. We confirm your specific referral requirements when we verify your benefits before your first visit. Call (858) 558-3111 and we'll look it up in minutes.

Most UHC employer PPO plans cover 20 chiropractic visits per year, though some plans allow 26 or 30. UHC Navigate plans typically provide 60 combined visits for physical therapy, occupational therapy, and chiropractic. CalPERS UHC HMO covers 20 visits per year combined with acupuncture. All visits are subject to medical necessity. We track your remaining covered visits and notify you as you approach your limit.

For standard employer PPO plans (Choice, Choice Plus), no prior authorization is required for chiropractic care. UHC Medicare Advantage plans in California began requiring prior authorization in early 2025, but after industry pushback UHC modified the policy: the first 6 visits within 8 weeks are covered without clinical review, and care beyond 6 visits is assessed for medical necessity. This applies to Medicare Advantage only — not your employer PPO plan. We handle any authorization requirements on your behalf.

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 UHC plan type. We accept HSA and FSA cards directly at our office.

UHC Choice plans have severely limited or no out-of-network chiropractic benefits — meaning you'd pay the full cost out of pocket. UHC Choice Plus plans do include out-of-network coverage, typically at 40–coinsurance that varies by plan after your deductible. For both plans, staying in-network (like our UTC office) gives you the lowest possible cost share. If you're unsure which plan you have, check your insurance card or call us at (858) 558-3111.