Chiropractor
accepting Aetna
in San Diego
Dr. Jordan Loewenstein is in-network with Aetna PPO and Aetna Student Health at his UTC San Diego office. USD and SDSU students covered. We verify your benefits and bill Aetna directly — no paperwork on your end.
How to use your
Aetna coverage
Using your Aetna insurance at our UTC San Diego office is straightforward. Here's exactly what happens from your first call to your first visit.
Aetna plan
breakdown
Aetna coverage varies significantly by plan type. Here's what each plan looks like for chiropractic care at our UTC San Diego office.
Benefits vary by employer group and plan year. Call (858) 558-3111 — we verify your specific plan at no cost.
Aetna Student Health
covered here
Both University of San Diego and SDSU graduate students are covered under Aetna Student Health plans at our UTC office — less than 2 miles from UCSD campus and convenient from both campuses.
Plan pays a percentage of the negotiated charge that varies by plan. Your cost is approximately coinsurance that varies by plan — typically vary by plan. No referral required. Out-of-network benefits available at varies by plan.
SDSU GSHIP applies a copay and coinsurance that vary by plan after the deductible is met. No referral required. Important: SDSU GSHIP provides zero out-of-network chiropractic coverage — being in-network with our office is the only way your benefit applies.
Conditions covered
under most Aetna plans
Most Aetna PPO plans cover chiropractic care for musculoskeletal conditions. Here's what we treat most often for Aetna patients in San Diego.
Aetna chiropractic
FAQs
The most common questions Aetna patients ask before booking their first chiropractic visit in San Diego.
Yes. Most Aetna PPO plans cover chiropractic care for musculoskeletal conditions in California. Benefits include a set number of covered visits per calendar year subject to your deductible and copay. Dr. Jordan Loewenstein is in-network with Aetna at his UTC San Diego office at 5151 Shoreham Place, Suite 175. Call (858) 558-3111 and we'll verify your specific plan at no cost.
Most Aetna PPO plans do not require a referral for chiropractic care. Aetna HMO plans do require a referral from your primary care physician. Aetna Student Health plans for USD and SDSU generally do not require a referral. We confirm your specific referral requirements when we verify your benefits before your first visit.
Most Aetna PPO plans cover 20–30 chiropractic visits per calendar year, subject to medical necessity. Some Aetna plans have no hard visit cap and instead base coverage on medical necessity documentation. Aetna Student Health plans for USD and SDSU do not specify a hard visit limit. We track your remaining covered visits and notify you before you approach your limit.
Aetna PPO copays vary by plan and typically apply after your deductible is met. USD Aetna Student Health applies coinsurance that varies by plan. SDSU GSHIP applies a copay and coinsurance that vary by plan. We verify your exact cost before your first visit so there are no surprises.
Yes. Both USD and SDSU graduate student Aetna plans cover chiropractic care when treated by an in-network provider. For SDSU GSHIP students, out-of-network chiropractic is not covered at all — being in-network with our office is the only way to access your chiropractic benefit. Call us at (858) 558-3111 to verify your student plan coverage.
Aetna requires documented evidence of a neuromusculoskeletal disorder and measurable improvement — typically assessed within the first two weeks of care. Treatment must be actively improving your condition, not maintaining a stable level of function. We document your progress thoroughly on every visit specifically to meet Aetna's medical necessity criteria and prevent claim denials.
Generally no. Aetna covers active chiropractic treatment that is medically necessary and producing measurable improvement. Maintenance care — visits to maintain function once you've plateaued — is typically not covered. For patients who want periodic maintenance after completing active care, we offer straightforward cash-pay rates.
Yes — sports injuries involving the spine, muscles, and joints are among the most commonly covered conditions under Aetna chiropractic benefits. Conditions like IT band syndrome, rotator cuff issues, low back pain from lifting, and runner's knee all qualify as musculoskeletal conditions covered under most Aetna PPO plans when medically necessary.
Yes. Chiropractic care is a qualified medical expense under IRS guidelines — you can use your HSA or FSA to pay for copays, deductibles, and any out-of-pocket costs regardless of your Aetna plan type. We accept HSA and FSA cards directly at our office.
Most Aetna PPO plans do not require precertification for the initial course of chiropractic care. Some plans may require authorization after a certain number of visits — typically after 12–15 visits. We handle any authorization requests directly with Aetna on your behalf so there's no interruption to your care.
Ready to use your
Aetna benefits?
We're currently accepting new Aetna patients in UTC San Diego. Call or book online and we'll verify your coverage before your first visit — at no cost.