Insurance Network Information

Blue Cross Blue Shield

United Healthcare

We are happy to assist patients with their insurance benefits. Please note that accepting an insurance plan does not guarantee coverage for chiropractic services.

Insurance benefits vary by employer, individual policy, and plan. Even if we participate with your insurance, your plan may:

• Not include chiropractic benefits.
• Require you to meet a deductible before benefits are paid.
• Require copayments, coinsurance, or other out-of-pocket expenses.
• Have visit limits, prior authorization requirements, or other coverage restrictions.

To determine your specific benefits, our office will verify your insurance coverage. Please allow 1–2 weeks for insurance verification, as response times vary by insurance company. As a result, patients will be responsible for payment at the time of service and will be treated as self-pay (cash-pay) patients until the insurance company makes payment.

After your insurance has processed your claims and made payment, we will review your account and refund any overpayments. At that point, you will be responsible only for your insurance plan's required copayment, coinsurance, deductible, and any services not covered by your plan. 

Cigna

Aetna

Medicare/Medicaid

If your insurance plan is out-of-network, you may still choose to receive care in our office.  We can submit claims to your out-of-network insurance to help apply eligible charges toward your deductible, when your plan allows.  However, because we do not participate with your insurance plan, payment is due at the time of your visit.

As a courtesy, we can provide you with a superbill (itemized receipt) that you may submit directly to your insurance company for possible reimbursement. Any reimbursement is determined by your individual insurance plan and is paid directly to you, if eligible.

Please keep in mind:

• Out-of-network benefits vary by insurance plan.
• Some plans offer reimbursement for out-of-network chiropractic services, while others do not.
• We recommend contacting your insurance company to verify your out-of-network chiropractic benefits before your appointment.

If Medicare or Medicaid is your primary insurance, we are unable to bill those plans because we are not participating providers.

If you have a secondary insurance, it generally will not pay unless the primary insurance (Medicare or Medicaid) has first been billed and processed. Since we do not bill Medicare or Medicaid, your secondary insurance will typically not process or pay the claim.

As a result, patients whose primary insurance is Medicare or Medicaid will be responsible for payment at the time of service and will be treated as self-pay (cash-pay) patients.

We welcome patients who have been injured in motor vehicle accidents or other personal injury accidents. To participate in our personal injury billing program, patients must retain an attorney to represent their case. Before treatment can be billed under a personal injury claim, our office must receive a signed Letter of Protection (LOP) or attorney lien agreement. The Letter of Protection is an agreement between you, your attorney, and our office that allows payment for your medical treatment to be deferred until your case is settled.

Once we have received the signed Letter of Protection, our office will work directly with your attorney regarding your treatment and billing. In most cases, payment for services is deferred until your case is resolved, and your outstanding balance will be paid from the proceeds of your settlement.

Please note that you remain ultimately responsible for your medical bill. If your case is dismissed, settled without sufficient funds to cover your medical expenses, or otherwise does not result in payment, you are responsible for any remaining balance.

If you have questions about your treatment or the personal injury billing process, our staff will be happy to assist you.