You know the deal. You twisted your back while settling
the kids in the car, or you’ve had a vague, nagging neck ache for a few months
and just yesterday it flared up badly, so you called the chiropractor your neighbor
recommended to make an appointment, and even though money is the last thing you want to
worry about when you’re in pain, the whole question of insurance has to be addressed.
So, right here, right now, we will lay out this insurance business for your edification and enjoyment!
Not all chiropractors will bill insurance. We work regularly with most insurance companies.
When you choose coverage with an insurance company,
that coverage is a kind of contract where you, as the patient, agree to pay
your premiums each month, and you agree to pay whatever cost-sharing is indicated
in the structure of your plan. Cost-sharing includes co-payments, co-insurance, and
deductibles. Cost-sharing is the portion that you pay for your healthcare so that your
insurance company is not paying 100% of your medical costs, and each insurance plan will
vary in how the cost-sharing is structured. Your premium contributes to the big pot of
money available for the insurance plan to dip into in order to pay the medical costs of
other patients, and it provides the confidence of mind to do dangerous and fun things
like skiing, or traveling, where injury or accident may strike.
Co-payments are fixed dollar amounts which are due at any
office visit,Co-insurance is a percentage of the cost of a visit to the doctor.
Both co-pay and co-insurance amounts will vary depending on the type
of doctor you are seeing.
A deductible is the amount indicated in your specific benefit plan that
you are required to pay out-of-pocket for healthcare related costs before
co-pays, co-insurances, or insurance payments will be effective. When you
pay costs towards your deductible with an in-network doctor, you are still
benefiting from your insurance company’s network discount.
We strive to make our care affordable and accessible to all.
In our opinion, health care costs in the USA are ridiculous! We refuse to participate
in the insurance-dictated pricing methods that most health care providers use to set
their fees (i.e. their fees are "whatever the maximum is that they can get from the
insurance company"). We price our care based on what WE would pay for ourselves and
our family members to receive this service. No more and no less. At our office, more
than 50% of our patients happily pay "cash" (check/debit/credit card) for their care.