Last updated: November 3, 2026
New patients start with a free consultation. At Bolt Chiropractic in Oxnard, Dr. Don Bolt, D.C. and the front office explain what your care costs and what your coverage pays before treatment starts. You never start a plan without knowing the price.
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How payment works
- At your first visit, the office reviews your coverage: Medicare, VA, auto claim, private insurance or cash pay.
- If Dr. Bolt recommends care, you get the cost of the plan and the portion you owe before any treatment.
- Payment is expected at the time of service.
Medicare
The office accepts Medicare. Medicare pays chiropractors for spinal adjustments only. Exams and X-rays depend on your plan, so ask the front desk before your visit. Medicare does not cover spinal decompression, therapeutic laser or shockwave. Patients who choose those services pay for them directly.
Medicare Advantage plans set their own chiropractic rules. Bring your plan card and ask the front desk whether the office accepts your plan.
VA Community Care
Veterans enrolled in VA health care receive chiropractic care through the VA Community Care program. The VA issues an authorization before your first visit. Bring the authorization and your VA provider’s name, and the office handles the rest. See chiropractic care for veterans.
Auto injury
The office accepts med pay from your auto policy and attorney liens. Dr. Bolt documents your injuries from the first visit for your claim. Bring your claim number and the contact for your adjuster or attorney. See auto injury care.
Private insurance
Coverage for chiropractic care varies by plan.
- PPO plans let you see a chiropractor without a referral, in or out of network.
- HMO plans often require a referral from your primary doctor and limit you to in-network providers.
Ask the front desk which plans the office accepts and how your plan is billed.
Cash pay and cards
The office accepts cash, checks, debit cards, Visa, MasterCard, Discover and American Express. Ask the front desk for cash prices.
Financing with CareCredit
The office accepts CareCredit, a health care credit card that lets you pay for care over time, subject to credit approval. Ask the front desk how to apply, or apply online through CareCredit.
Before your first visit, have your card or authorization ready. More common questions are on the FAQ page.
Request a New Patient Evaluation
Frequently asked questions
Does Medicare cover chiropractic?
Medicare pays chiropractors for spinal adjustments only. Exams and X-rays depend on your plan. Decompression, laser and shockwave are not covered.
Will you bill my auto insurance?
The office accepts med pay and attorney liens. Ask the front desk how your claim is billed.
What if I do not have insurance?
You pay cash for each service. The office quotes the cost of your plan before treatment starts.
Do you offer payment plans?
Yes, through CareCredit, a health care credit card that lets you pay for care over time, subject to credit approval. Ask the front desk how to apply.
Ready to Get Started?
Call the Oxnard office or request an appointment online to schedule your visit with Dr. Bolt.