Insurance
We accept insurance for Chiropractic Care, Auto Accident related Personal Injury Care, and Worker’s Compensation Care. Our Acupuncture and Massage Therapy providers are not in network with insurance companies and payment at the time of service will be required.
We are in network with most major providers as listed below:
- Aetna (though clients under the age of 3 will likely not be covered as it is considered experimental at this stage)
- Health Partners
- Medica
- Medicare
- Preferred One
- Ucare
- UMR
- United Health Care
- *Please note we are NOT in network with Blue Cross Blue Shield*
DEDUCTIBLE
Most, but not all, insurance plans generally start with a fixed deductible that you will need to meet each insurance year (12 months from the start of your insurance) BEFORE insurance will cover services. This deductible could be $100 or several thousand dollars. If you have a deductible, insurance will process your claim and your responsibility will be the full contracted rate for the service. For example, if you have a deductible of $1,000, your insurance plan would not start covering its share of your bills until you’ve paid $1,000 for healthcare in that given year. If we have a contract with your insurance that we will be paid $100 for a service and you have a deductible, you will be responsible for the full $100.
COPAY Usually after you meet your deductible in each insurance year, you may have a copay or a coinsurance. A copay is a fixed amount you will pay each session, like $15 or $30. Insurance will cover the rest of our contracted rate. Copays can vary depending on the kind of service you’re receiving. For example, you may have to pay a $30 copay for each visit to a primary care practitioner and $60 for each visit to a specialist. Chiropractic falls in both categories depending on your specific plan. Normally you aren’t able to use the copayments to reach the threshold for your deductible. It depends on your plan, so it’s always best to ready any fine print to learn more about how your coverage works.
COINSURANCE A coinsurance is a percentage you pay for each session, like 20% or 30% of the contracted rate. For example, if our contract rate with your insurance is $125 and you have a 30% coinsurance, you would be responsible for $37.50 ($125 x .30 = $37.50). Insurance will cover the rest of our contracted rate.
OUT-OF-POCKET MAXIMUM Sometimes insurance begins to cover the ENTIRE cost of your services. That’s because you have reached your “out-of-pocket” maximum, which is the maximum amount you and/or your family are required to pay out-of-pocket for deductibles and copays/coinsurances each insurance year. Please know this information is for educational purposes only and may not accurately describe how your specific insurance functions. It is the responsibility of each client to understand their insurance benefits. However, we hope this is a helpful guide to some terminology that you may encounter.
QUESTIONS FOR YOUR INSURANCE It is always best to call your insurance provider before you begin a new service to see what your coverage will be like. Click here to see our suggestions of questions to ask your insurance.
COPAY Usually after you meet your deductible in each insurance year, you may have a copay or a coinsurance. A copay is a fixed amount you will pay each session, like $15 or $30. Insurance will cover the rest of our contracted rate. Copays can vary depending on the kind of service you’re receiving. For example, you may have to pay a $30 copay for each visit to a primary care practitioner and $60 for each visit to a specialist. Chiropractic falls in both categories depending on your specific plan. Normally you aren’t able to use the copayments to reach the threshold for your deductible. It depends on your plan, so it’s always best to ready any fine print to learn more about how your coverage works.
COINSURANCE A coinsurance is a percentage you pay for each session, like 20% or 30% of the contracted rate. For example, if our contract rate with your insurance is $125 and you have a 30% coinsurance, you would be responsible for $37.50 ($125 x .30 = $37.50). Insurance will cover the rest of our contracted rate.
OUT-OF-POCKET MAXIMUM Sometimes insurance begins to cover the ENTIRE cost of your services. That’s because you have reached your “out-of-pocket” maximum, which is the maximum amount you and/or your family are required to pay out-of-pocket for deductibles and copays/coinsurances each insurance year. Please know this information is for educational purposes only and may not accurately describe how your specific insurance functions. It is the responsibility of each client to understand their insurance benefits. However, we hope this is a helpful guide to some terminology that you may encounter.
QUESTIONS FOR YOUR INSURANCE It is always best to call your insurance provider before you begin a new service to see what your coverage will be like. Click here to see our suggestions of questions to ask your insurance.
