INSURANCE

We participate with most insurance carriers and we will be glad to review your benefits with you before your visit. Many of our procedures are covered by insurance, and we will bill your carrier. Of course, we welcome patients who do not have insurance, and do our best to keep our fees as reasonable as possible so that no one is limited in the care they receive.

List of Major Insurance Networks:

• Anthem / Blue Cross Blue Shield
• PCHP (Piedmont)
• United Health Care / ACN / OptumHealth
• Medicare
• Aetna
• Cigna
• Southern Health
• OTHER - If your insurance carrier is not listed, please call our office to see if we participate with your plan and we can verify your benefits prior to your appointment so you will be properly informed of all your options

We also accept auto-accidents and worker’s comp as well as slip and fall type injuries. In many cases, Chiropractic care can greatly reduce rehabilitation time after trauma and get you back to working in a shorter amount of time.

Chiropractic services are often covered in full by automobile insurance policies, no matter what your involvement in the accident was. (Pedestrian, passenger, driver.) If you have questions about your insurance, feel free to give us a call.

FAQ’s

Q: Do I need a referral to see a chiropractor?

A: Most insurance plans do not require a referral.  However, if you think your insurance company may require a referral, you can reach their customer service line by calling the number listed on your insurance card.  You may also complete the form on the right and our office will obtain your benefit information for chiropractic services.

Q: What is a participating provider?

A:  A participating provider has a contract with your insurance company to accept the rates the insurance company sets for chiropractic services.  When you go to a participating provider you will receive the highest level of benefits and the lowest out-of-pocket expenses at your visit.  This will reduce your out-of-pocket expenses even if you have a plan that has a high deductible.            

Q: What is a deductible?

A:  A deductible is a (yearly) amount that you will have to pay out of pocket before your insurance will begin paying.  You will make payments for services your receive which will be applied toward your deductible until that is met for the plan year.  For example: If you have a $300 deductible and your treatment for the day is $50.  Then the $50 is applied toward your deductible and that is what you will owe the provider (doctors office). 
It is important to have your visits applied to your deductible in case you need care from another provider within that year.   The costs of your visits are based on the fee schedule that the insurance company sets.  The fee schedule is an agreed amount between the provider and the insurance company. 

Q:  What is a Co-pay?

A:  A co-payment is the patients portion that is due at the time of service.  Your insurance will then pay their portion of your visit.  The costs of your visits are based on the fee schedule that the insurance company sets.  For example: if visit was $50, your co-pay was $20, and your insurance will pay the provider the other $35.

Q:  What is Co-Insurance?

A: A co-insurance is a percentage of services that you pay out of pocket.  Co-insurance is typical once a deductible has been met.  The insurance company may require you to pay a portion of the services and they will in turn pay a portion as well.   For Example:  Your deductible has been met (satisfied) for the plan year and your insurance requires you to pay 20% of services and the will in turn pay for 80% of services.  If the visit was $50.00, you would pay $10.00 and your insurance company would pay $40.00.

Q:  Are there services that are not covered by my insurance?

A:  There are some medical plans that do not cover all services.  For example Medicare plans will not cover Exams and Therapies.  These plans will only cover spinal manipulation (adjustments).  Please note that Exams are required to be performed on all new patients.  The care provided in our office is based on medical necessity and not that of your insurance coverage.  We work together with you to provide the best care for your condition.  Communication is always open, please feel free to discuss any concerns regarding your care and insurance coverage with our experienced staff.  Please note we do not have any control over your insurance coverage as it is a contract between you and your insurance company based on the plan you chose.

For your convenience we offer discounts for non-covered services if paid at the time of service.  To find out more about discounts that may apply to you please call or email us (see “Contact Us” section on top right of page).

Self Pay/None Insurance

Q:  I do not have any insurance, do you have a discount plan for self pay?

A:  We offer a discount for payments made at the time of service for those services which are not covered by your insurance plan or if you do not have any insurance coverage.  Our discount applies to the absence of costs associated in billing, therefore we are able to pass the savings along to you.  To find out more about discounts that may apply to you please contact us for more information.

Q:  Do you offer any discounted Wellness Packages?

A:  Since most insurance plans do not cover wellness or preventative care we offer Discounted Wellness Packages to fit your specific needs.  A lot of our patients choose Wellness Care to stay on top of pain and symptoms so they do not become acute if left untreated.  If you are interested in a Wellness Care Program or have further questions please contact us for more information.