Part of the reason: chiropractic treatment *does* have some legitimate medical uses. They are pretty specific, mostly related to pain relief, and chiropracty would probably be best characterized as a sub-practice of physical therapy.
The part that makes it junk medicine is thinking it can treat *everything*. Your baby does not need a chiropractor because they have teething pain. Chiropracty will not treat your cancer. It won’t cure COVID. It isn’t a replacement for surgery, or diet and exercise.
It won’t do anything except help treat certain kinds of joint and muscle pain. If you’re using it for that kind of treatment under the care of a physical therapist, it’s probably actually doing something.
And that makes it hard to refuse to cover it, since the insurance company can’t know whether your use is correct or not.
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