Dr. Terrence Michael Osterman, DC is a health care provider primarily located in Saint Cloud, MN. They graduated from medical school in 1995 and have 30 years of experience. Their specialties include Chiropractor. Dr. Osterman is currently accepting new patients. They accept Aetna, Blue Cross Blue Shield of Minnesota, and Blue Cross Blue Shield of Minnesota Medicaid, and other major insurance plans. Dr. Terrence Michael Osterman has 5 areas of expertise, including Hip Pain, Lower Back Pain, and Neck Pain.