If I had medical insurance and it's something that's covered, I would take advantage of it. The problem though is that the chiropractor will always want you to come in WAY too often and depending on how much your co-pay is, it can get expensive. For example, a few years back I went to one and my copay was only $10. But he wanted me to come twice a week. I was never the type of person to have any money left after the bills and everything were paid, so $80 might not seem like much, but it was more than I wanted to spend on myself for something that I didn't really need. It was nice to have someone realign your spine (aka cracking your back), but it's not a necessity.
The told the chiropractor how I couldn't afford $80 a month, so then he talked me into paying $40 and he can bill the rest to the insurance. I still couldn't afford $40, but I also got a funny feeling about him doing a little insurance fraud. I'm sure these things happen more often than we think though.
BTW, if you start having your spine realigned, it becomes sorta addicting... kinda like cracking your knuckles. Once you start you'll want the same feeling again. And it's a very temporary feeling. I think that's why they urge people to come twice a week because some people probably need that "fix" and the more you come, the more money they make.