How To Verify Insurance Coverage For Chiropractic Care
Note: Many practice members who have insurance opt to forgo their insurance because of high insurance deductibles and/or high copays. Our office is a low fee (cash, credit card, debit card) office that also accepts flex or health savings accounts. Article: How I paid cash for health care instead of using my insurance plan - and saved money
We are Non-Participating: Medicare/Medicaid/Insurance.
1.) On the back of your insurance card is the toll free customer service number.
2.) Do you have Chiropractic coverage? If so how much? How many visits?
3.) Ask if you have a chiropractic deductible. If so how much? How much has been met?
4.) Ask customer service where to send your statements to receive reimbursements?
5.) If insurance is covered, we will supply you with statements so you can submit to your insurance. If you have any questions, please call us at (312) 888-1707 or email us.
DEFINITIONS:
Deductible - the amount of money you pay before your insurance starts paying. Many deductibles are $1000 to $5000 or more. Chiropractic deductibles can be different than your medical deductibles.
Copay - the amount you pay each visit. Chiropractic copay can be different than your medical copay listed on your insurance card and may not start until after your deductible has been met.
Cash - our office is considered "cash" vs "insurance", but we accept debit & credit cards, flex spending and health savings account payments. Many insurance offices must charge higher fees to recoup the extra staff and follow up involved with insurance billing. In many cases, neither the patient nor doctor know exactly how much the insurance will pay, regardless of what was quoted, until weeks(s) or month(s) after services were rendered.