Yes. Nothing in Indiana law stops you from seeing a physical therapist and a chiropractor during the same period, and many people do. It works well when each clinician knows about the other, the two plans are not doing the same job twice, and your insurer will pay for both. Tell each of them what the other is doing, ask what each visit adds, and check whether your plan counts the visits against a shared limit.
Last reviewed By the Monon Therapy Collective editorial team

Is it safe to have chiropractic adjustments while doing physical therapy?
For most people with ordinary back or neck pain, yes. Both professions screen for warning signs before treating, and spinal manipulation plus an exercise program is a combination that mainstream back pain guidelines describe. The American College of Physicians, for example, lists spinal manipulation alongside exercise among the non-drug options for low back pain.
The risks come from poor communication rather than from the combination itself. If your therapist is progressing a deadlift pattern on Tuesday and you have a forceful neck or low back adjustment on Wednesday, nobody can tell which one caused Thursday’s flare. Spacing the visits on different days, and mentioning any adjustment at your next therapy session, keeps the picture readable.
How do the two professions divide the work on the same back?
In a well-run arrangement, the chiropractor focuses on spinal manipulation and short-term symptom relief, and the physical therapist focuses on exercise, movement retraining and building the capacity that keeps the problem from returning. There is overlap: both may use soft tissue work and give home exercises. The point is to agree on who leads which piece.
Duplicated care is the most common waste. Two sets of home exercises, two sessions of heat and soft tissue work in a week, or two clinicians giving conflicting advice about bending all dilute the benefit. Ask each one: what will you do in this visit that the other is not doing? The physical therapy vs chiropractor comparison lays out where the professions differ in training and approach.
- Share the name and phone number of each clinician with the other
- Pick one home exercise program and drop the duplicates
- Schedule manipulation and heavy exercise sessions on different days
- Report any new numbness, weakness or spreading pain to both
What does Indiana law say about manipulation, referrals and the 42-day window?
Indiana’s physical therapy practice act lets a physical therapist evaluate and treat without a referral for up to 42 calendar days from the start of treatment. Spinal manipulation by a physical therapist is the exception: it needs an order or referral from a physician, osteopathic physician or chiropractor who has examined you. A chiropractor can therefore be the provider who signs off on manipulation by your therapist.
Chiropractors are also on the list of providers who can write the referral a physical therapist needs once the 42 days run out. That makes the two-clinician setup simpler than many people expect. The Indiana referral rules page explains the full list and how the calendar count works, and the spinal manipulation page covers what that technique involves.
Will insurance pay for physical therapy and chiropractic care in the same week?
Often, but check two things first. Some plans set a yearly visit limit that is shared across therapy and chiropractic services, so heavy use of one leaves fewer visits for the other. Some also require prior authorization, which means approval before treatment, for one or both. Your plan documents or member services can tell you how your limits are counted.
Medicare is narrower. It covers chiropractic care only for manual manipulation of the spine to correct a subluxation, and it does not pay for other services a chiropractor orders, such as X-rays or massage. Physical therapy is covered separately under Part B when it is medically necessary. Before you book, the matching team checks which therapists in the network work with your plan, and the therapist’s office verifies your benefits; the cost and insurance page explains that step.
When is it time to stop one and keep the other?
When one of them is no longer adding something you can measure. If adjustments give relief that lasts only a few hours and you still cannot sit through a meeting or lift your toddler, the exercise side probably needs more of your time. If you are getting stronger but a stiff segment keeps flaring, short-term manipulation may still earn its place.
A reasonable test after four to six weeks is whether you are doing more with less pain than when you started. Write down two or three activities that matter, such as a round at a Carmel golf course or a walk on the Monon Trail, and track them. If neither plan is moving them, read what to do if physical therapy is not working, and fill in the matching questionnaire if you want a therapist in the network to take a fresh look.
Related questions
Should I see the chiropractor or the physical therapist first?
Either can be a reasonable starting point for uncomplicated back or neck pain. Start with whoever you can see soonest and make sure the second clinician knows about the first.
Can a physical therapist in Indiana adjust my back?
Indiana physical therapists may perform spinal manipulation only with an order or referral from a physician, osteopathic physician or chiropractor who has examined you. Many other hands-on techniques do not need one.
Is it too much to have therapy twice a week and chiropractic once a week?
It depends on what each visit involves and how your back responds. Three appointments a week is a lot of time; ask both clinicians whether the visit count can drop as you improve.
Will my physical therapist mind that I see a chiropractor?
A good therapist simply wants to know, so the plan accounts for it. Hiding it makes it harder to tell what is helping.
Do I need to sign anything so my chiropractor and physical therapist can talk?
Usually yes. Each office will ask for your written permission before sharing your records or discussing your care with the other, and it is worth giving it at the first visit so updates flow without delay.
Keep reading
- Physical therapy vs chiropractor: which should I see?
- Does cracking your back help?
- Do I need a referral for physical therapy in Indiana?
- Low back pain physical therapy in Carmel
- Neck pain physical therapy
- Manual therapy in Carmel
Sources
This page is general education, not medical advice. A physical therapist can only advise on your situation after an examination.
