I could probably get it for a $10 co-pay. My HMO seems to think allowing people to self-refer to chriopractors is cheaper than having a doctor meet with them and list the 101 reasons their back might be sore. A visit to a PT for a bike fitting might be similar.

That said, I completely agree with Pippin. Just because insurance pays for something doesn't mean it's free. It just means you're sharing the cost with everyone else on your health plan. If you have a serious issue that will get worse and cost more to treat in the long run, by all means get a bike fit. Just don't treat it like a free candy.