Back in the 1980s, insurance coverage for chiropractic care was straightforward. “You either had health insurance or you didn’t. And if you had it, it typically covered chiropractic quite well, some allowing as many as 60 visits per year,” says Barbara Kemenosh, business manager for Mark Kemenosh and Associates Chiropractic in southern New Jersey. “Today, the landscape is radically different. The marketplace is splintered, with many different plans. Each plan has its own rules and it’s virtually impossible to stay ahead of all the nuances of coverage,” she says.