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:
  • 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.

Payments

  • Once you receive chiropractic care at Sunu, the codes for the services provided are entered and billed to your insurance company. The insurance company will pay the contracted rate to Sunu and if you have coinsurance or a deductible to meet, the remainder will be billed to you. You can expect to see your bill between 30-90 days after your visits.
  • If you have a copay, it will be taken at the time of service.
  • For services not covered by insurance, clients are expected to pay at the time of service.
  • We are happy to use your HSA or FSA card for your services and will email you a receipt for all purchases in order for you to have a record of payments for them if needed.
  • What do I do when I need a specialized receipt for FSA/HSA/Out of network services?
    • For Minnetonka Clients: Please reach out to our Billing Specialist Kalli by email: Kalli@sunuwellness.com or by calling our main number – 952.314.7035 For Linden Hills Clients: Please reach out to our Billing Specialist Hannah by email: Hannah@sunuwellness.com or by calling the main clinic number – 612.767.4680
A reduced/sliding fee payment scale is offered by our Chiropractic and Acupuncture providers to those who are eligible. It is standardized based on the Federal Poverty Guidelines.
  • 50% of Service Price is automatically invoiced for all No Call, No Show appointments and can be paid online. If your No-Show is due to an emergency, please call or respond to that email to alert the clinic. We will do our best to support you, and remove the cancellation fee.
  • No Show / Late Cancel fees are unable to be billed to health insurance.
  • Clients with certain state-sponsored plans are not subject to late cancel fees, we ask that you still do your best to alert us within 24 hours of your needs to cancel and reschedule appointments.
Sunu offers two different memberships to help clients feel their absolute best. Both memberships include a monthly chiropractic adjustment and either an Acupuncture followup visit or a 60 minute massage. In addition, you and all members of your immediate household will receive 10% off all retail purchases, and additional services. This unbelievable offering is available for $145 per month. If you’re interested in a Sunu Membership, please Click Here.

More Questions?

What should I do when I have a question about a charge, need a receipt for insurance or tax purposes, would like to discuss a payment plan, or I need to do something like update my address, insurance, or credit card on file?

 


For Minnetonka questions: Please reach out to Billing Specialist Kalli by email: Kalli@sunuwellness.com or by calling our billing line – 612-548-4333

For Linden Hills questions: Please reach out to Billing Specialist Hannah by email: Hannah@sunuwellness.com or by calling the main clinic  – 612-767-4680