If you live in Walnut Creek and have Landmark Healthplan, chances are you’re more covered for chiropractic care than you think, but many patients don’t realize it.
At Elite Chiropractic Rehab and Wellness, we see it all the time. Someone walks in unsure if their insurance will help, only to find out they’ve had full chiropractic coverage sitting unused. This blog explains why that happens, what you’re likely missing, and how to take full advantage of your benefits starting now.
The Most Common Misconception About Landmark Healthplan
The biggest issue? Most patients assume Landmark is secondary coverage that only works under strict conditions, or that they’ll face hidden costs.
In reality, Landmark Healthplan is designed to be simple and accessible. It exists specifically to help people access chiropractic and acupuncture care without needing a full medical insurance overhaul.
What sets it apart:
- There’s no deductible or coinsurance
- Office visits often have a low, flat copay
- It can supplement your primary health insurance to fill in care gaps
Despite this, people often overlook the plan or fail to activate it, especially when their HR rep gives them a benefits folder they never open again.
Why So Many People in Walnut Creek Miss Out
There are a few reasons why Landmark often goes unnoticed — and they’re more common than you might think. Even patients with solid coverage in hand often delay or skip chiropractic care entirely because of simple misunderstandings:
- Lack of Education During Enrollment
When Landmark is bundled as a voluntary benefit or included in a larger employer plan, it’s often glossed over. HR departments typically focus on primary health insurance, dental, and vision — and rarely take the time to walk employees through chiropractic or supplemental coverage. As a result, many people don’t even realize they signed up for Landmark or don’t understand what it includes. Some never open their benefits packets. Others forget what they enrolled in months later. The end result? Missed care that could have helped sooner. - It’s Not Your “Main” Health Insurance
Landmark is a supplemental plan, so it doesn’t appear in the same places you’d expect. It’s not listed in your main insurance portal or included in your primary insurance app. If you’re used to searching Blue Cross or Aetna for covered providers, Landmark won’t show up there — even though your chiropractic benefits exist. That disconnect causes people to assume they’re not covered at all. Unless you’ve gone out of your way to dig through your benefits paperwork or call HR, you probably wouldn’t know Landmark is there. - No Referral Required, But Patients Think There Is
One of the most helpful features of Landmark is that you don’t need a referral to start care — but that fact isn’t always clear. Many people assume they need to see a primary care doctor first or get authorization, so they delay scheduling. In reality, Landmark is built to be direct-access. You can call a participating provider like Elite CRW and schedule right away. No referral, no paperwork shuffle, no waiting.
Are You Fully Covered for Chiropractic Care?
If you have Landmark Healthplan, there’s a strong chance your plan includes a wide range of chiropractic services — and you may not be paying nearly as much out-of-pocket as you think. In fact, many patients are to learn just how comprehensive their coverage really is.
Here’s what’s typically included under Landmark:
- Initial consultation and exam
- Spinal adjustments
- Therapy modalities such as spinal decompression or laser therapy
- Follow-up visits and re-evaluations
- Diagnostic X-rays if needed
These services are designed to address everyday conditions like low back pain, neck stiffness, tension headaches, whiplash, and sports or workplace injuries — all without the need to get prior authorization or referrals.
Depending on your specific Landmark plan, your only out-of-pocket cost may be a low flat copay, typically between $15 and $25 per visit. There are no deductibles, no surprise billing, and no coinsurance to calculate — which means you can focus on getting better, not sorting through paperwork.
At Elite Chiropractic Rehab and Wellness, we take the guesswork out of the process. Before you start treatment, our team will verify your coverage, explain your benefits in plain language, and make sure there are no billing surprises.
What’s Changed in 2025: Important Updates to Know
As of March 1, 2025, Landmark Healthplan has improved its reimbursement structure — a change that directly benefits patients. These updates increase the value of your existing coverage and help ensure consistent, high-quality care without added costs.
Here’s what’s new:
- New patient evaluations are now covered up to $80
- Re-evaluations are now covered up to $65
- Therapy modalities and treatments (like laser therapy or spinal decompression) are reimbursed up to $65
These updates allow providers to offer more advanced care options while keeping your copays low. For you, it means better access to the therapies you need — all while staying fully within your Landmark plan’s benefits. Whether you’re starting care or continuing treatment, these improvements make your coverage go further in 2025.
How Elite CRW Makes It Easy
We’ve worked with Landmark Healthplan patients for years, and we know how confusing insurance can be. That’s why our team is here to make the process simple, clear, and stress-free — from your first call to your final visit.
When you reach out — whether online or by phone — we’ll:
- Verify your coverage so you know exactly what your plan includes
- Explain your copay and any costs upfront so you’re never surprised
- Walk you through any plan-specific benefits or visit limits so you can make informed decisions
- Build a treatment plan that works with your insurance, your schedule, and your health goals
You won’t need to call your insurance company or try to decode your benefits folder. We handle all of that for you.
Whether you’re managing chronic back pain, recovering from an accident, or just want to move better and feel stronger, we’re here to help — without unnecessary out-of-pocket costs. Landmark was designed to make chiropractic care easy to access. We make it easy to use.
Final Thoughts
If you’ve been putting off chiropractic care because you’re unsure about insurance, now is the time to act.
Elite Chiropractic Rehab and Wellness in Walnut Creek proudly accepts Landmark Healthplan and helps patients make the most of their benefits every day. You might already be fully covered, and not even know it.
Let’s fix that. Schedule your visit today or call our office to find out exactly what your Landmark plan includes.
