To help avoid confusion and answer questions you might have, our financial policy is explained below. Please do not hesitate to contact our clinic with any questions or concerns pertaining to this information.
We are an in-network provider with most major-medical insurance companies. We bill participating insurance companies as a courtesy to you. If you are unsure whether your insurance policy covers chiropractic services, we recommend you contact them directly, prior to your initial appointment. We will call to verify your benefits before you come in for your first appointment. The benefits quoted to us by your insurance company are not a guarantee of payment. You are expected to pay your deductible and co-payments at the time of service. We appreciate you staying informed about the status of insurance billing. Please inform us of any problems with billing. In turn, we will keep you informed. If billing is denied by your insurance company, every effort will be made to re-submit the claims in order to receive payment. However, please understand you are responsible for all charges. If you have questions or need assistance, please call our office. We are currently not accepting Medicaid insurance.
We do accept assignment from Medicare. Medicare pays 80% of the allowable fee after your deductible has been met. Medicare will only cover the chiropractic adjustment for active conditions. Medicare does not cover exam fees, chiropractic adjustments for maintenance care, additional modalities, or therapies such as ultrasound or interferential current. Most Medicare supplemental policies will cover the deductible and coinsurance only on the services Medicare covers.
Payment of your portion of the charge(s) is required at the time services are rendered unless other approved arrangements have been made in advance. This includes deductibles, co-payments and co-insurance, when applicable. We accept cash, personal checks, VISA, MasterCard, Discover, and American Express. A service fee based on the amount charged by our bank will be charged for any returned checks.
Outstanding balances will be billed monthly and considered past due 15 days after the due date. Again, a payment plan may be agreed upon at your first visit.
Referrals / Preauthorizations
If your insurance requires a referral and/or preauthorization for services, you are responsible for obtaining it. Failure to obtain a referral or preauthorization may result in lower or no payments from the insurance company. You would be responsible for any unpaid balances.
Time of Service Discount for Prompt Payment of Full Charges
If your situation requires that you are a self pay patient because you have no insurance or your chiropractic health insurance benefits have been exhausted, you may receive a 15% discount off the actual fee charges. 100% payment of the discounted charges must be made at the time of service. No insurance will be filed.
If you are injured on the job, your care may be paid for under your employer’s Workers Compensation insurance. You will need to inform your employer of the accident and obtain the name and address of their insurance carrier. If your claim is not allowed, you will be responsible for all charges accrued during your care.
If you have been involved in an automobile accident and have injury, please notify your auto insurance company prior to your visit to our clinic. Whether you are at fault or not, we will work with your auto insurance company and the Medical Pay coverage on your policy to file claims for your care. Your insurance company will then subrogate with the at-fault party’s insurance company for reimbursement. We do not file claims with the other involved party’s insurance, even if they are at fault.
Missed appointments represent a cost to us, to you, and to other patients who could have been seen during the time you reserved. We request 24 hours notice for all cancellations. We reserve the right to charge you for up to the full cost of the visit fee for missed appointments. We understand that things come up and schedules change but it is essential that we maintain clear and firm guidelines around this issue in order to serve everyone’s needs. Excessive abuse of scheduled appointments may result in discharge from the clinic. Our scheduling software provides for appointment reminders that will provide you with a notification via your choice of email, text, or phone call before your appointment in order to assist you in keeping your scheduled appointments. However, this service is subject to internet interruptions and the responsibility rests with you to keep your appointments. A voicemail may be left on our answering machine at any time of day or night if you need to inform us of a scheduling conflict.