Insurance and Billing

Courtesy Billing:

Simplifying Insurance Claims 

Insurance Networks 

Alternative Option - ChiroHealth USA 

• We offer an alternative to insurance through the ChiroHealth USA program. 
• Chiro Health USA is a membership program available for $49/year, providing access to discounted chiropractic services for 12 months.
• Below are the rates for care for patients who choose to go with a Chiro Health USA Membership
• New Patient Chiropractic Visit: $150
• Routine Chiropractic Visit: $85
• 1 Hour Massage: $100
• 30 Minutes Massage: $50
• This program is particularly beneficial for patients with high deductibles, no insurance, or out-of-network insurance. 
  

Patient Responsibilities: Copays and Co-Insurances 

• We provide courtesy benefit verifications which provide a cost estimate to help patients understand their out-of-pocket costs before their visit. 
• However, this service relies on patients providing their insurance information to us in advance. 
• Patients are ultimately responsible for knowing their insurance benefits, but our verifications can serve as a helpful aid. 
  

Contacting Insurance Companies: Ensuring Coverage Information 

• Patients should proactively contact their insurance companies before their appointment to understand their coverage. 
• Although we strive to provide timely benefit verifications, they may not always be available before the first appointment. 
• Directly contacting insurance providers ensures the most up-to-date information regarding coverage and benefits. 
  

Understanding Copays and

Co-insurances 

• Copays are fixed amounts that patients pay at the time of service. 
• Co-insurance is a percentage of the total cost of treatment that patients are responsible for. 
• Patients should consult their insurance plan to determine the specific copay and coinsurance amounts they are expected to pay. 
  

Services Subject to Deductibles 

• If a patient’s insurance benefits are subject to a deductible, they will be responsible for the entire out-of-pocket amount for services until the deductible is met. 
• Patients should review their insurance plan to understand the deductible requirements and how they affect their financial responsibility. 
  

Insurance Coverage Limitations 

• We offer various services during treatment, which may result in additional copays or coinsurances, as stipulated by the patient’s insurance plan. 
• We do not have control over what services are covered by insurance. If patients have questions about coverage, it is best to contact their insurance provider directly. 
  

Keeping Insurance Information Updated 

• It is crucial for patients to inform us promptly if they have new insurance to avoid confusion during the billing process. 
• Timely updates help us ensure accurate billing for treatment and avoid any potential complications. 
  

Medicare Coverage and Limitations 

• Medicare covers subluxation of the spine; however, if patients desire additional modalities (traction, manual therapy, massage, etc.) during treatment, they may need to pay out of pocket. 
• Patients with Medicare should be aware of these limitations and discuss treatment options with our staff. 
  

Conclusion 

At our chiropractic office, we prioritize providing quality care while simplifying the insurance and billing process for our patients. We offer courtesy billing services, but patients are responsible for copays and co-insurances. Our courtesy benefit verifications assist patients in understanding their out-of-pocket costs, but it depends on timely insurance information. Patients should contact their insurance companies for coverage details and update us with any changes to their insurance. We do our best to provide accurate representations of insurance benefits, and for uninsured patients or those seeking alternative options, Chiro Health USA offers discounted services. If patients have questions about coverage or billing, contacting their insurance providers directly is the most reliable way to get comprehensive answers.