Insurance Coverage
Many health plans reimburse for a portion of chiropractic treatment. Due to variations in insurance policies, we recommend that you contact your insurance company or benefits coordinator to verify your policy benefits. Our staff will confirm your benefits, but this does not guarantee payment by the insurance company.
We are providers for most health insurance companies and personal injury ( motor vehicle accident* ) insurance. Following is a partial list of insurance companies for which we are providers:
- Blue Cross Blue Shield
Cigna
Medicaid
Medicare
United Health Care
We also accept cash, checks, Mastercard, Visa, and Discover. Payment plans are available for patients who require treatment, but are unable to pay in full at the time of service.
*Automobile Related Injuries
If you are involved in a motor vehicle accident, personal injury insurance will usually pay for the care that you require. Each insurance company has rules that must be followed in order to ensure payment.
If you were involved in a motor vehicle accident , please bring with you a copy of the accident report and your insurance policy declarations page.
Financial Policies
- Medicare will not pay for an initial examination or modalities. This fee is the patient's responsibility and will not apply to the patient's deductible.
- Based on your diagnosis, Medicare will pay for a maximum number of treatments per calendar year. When that maximum number of treatments has been rendered, the patient is responsible for payment at the time those services are rendered.
Restoring your health is our primary objective. Our treatment will always be rendered solely on the basis of need. Please advise us if you are unable to fulfill your financial responsibility so that we may discuss and consider alternative payment options. We require payment at the time of service, unless special arrangements have been previously made. Our fees comply with the "usual and customary" rates for this region. We accept cash, checks and some credit cards. For patients who are unable to pay at the time of service, special arrangements are available upon request.
REGARDING ALL INSURANCE: We cannot promise that an insurance company will pay for your care, even when it is preauthorized. We will submit bills to your insurance carrier, but will not become involved in disputes between the insured and the insurance company. The billing courtesy will commence as soon as we are able to confirm coverage for chiropractic services and have the properly-signed insurance forms. Payment of non-covered services, co-payments, deductibles and balances is expected at the time services are rendered. We strongly urge you to contact your insurance company to verify your benefits, just in case incorrect information is provided to us.
If an insurance company fails to pay for services within ninety days, the insured is responsible for payment. Ultimately, you are responsible for all outstanding balances. If the insurance company erroneously pays directly to the insured, the amount shall be forwarded to this office within three days.
MEDICARE/MEDICAID: Reimbursable care is limited to spinal manipulation and does not include other therapies, services or goods that may be necessary during care. Medicare pays for only a portion of chiropractic services and limits the number of reimbursable treatments. Please be advised of the following Medicare restrictions and regulations:
PERSONAL INJURY AND/OR LITIGATION: If your complaint is the result of an automobile accident, or if litigation is pending, please notify us. It is our policy to bill the insurance company directly, and we will provide the attorney with a monthly statement upon request.
Instances will arise when we exhaust all reasonable efforts to secure payment from your insurance company, but the insurance company refuses payment. We will do our best to assist you in securing payment, but all balances are ultimately your responsibility.
