Insurance

Every insurance plan is different even with the same insurance company.  It is your responsibility to understand YOUR insurance. This applies to all of our patients regardless of whether they are covered through a major carrier, personal injury, Medicare, etc. Please remember that health insurance is an agreement between you and your insurance company.

As a courtesy to our patients, prior to your first visit we will contact your insurance company to verify your benefits. When we do this the insurance representative on the phone tells us “this is a quote of benefits and does not guarantee coverage, all benefits will be determined at the time of claim submission.”

We try our best to explain to you your financial responsibilities for care at this office. However, the best way for you to understand this is for you to contact your insurance company yourself.  We have created a template for you to follow when calling your insurance company VERIFYING YOUR INSURANCE.

We are Preferred Providers for many insurance companies.  Below is a general list of those networks.

• Blue Cross/Blue Shield
• Cigna
• Aetna
• PHCS
• Medicare

This list is subject to change, so please contact our office to verify that we are in-network.

Our office also accepts Cash, Check, Visa, MasterCard, and Discover.  Payment of Co-Pays and non-covered services are due at time that services are rendered.

In the end we want you to get the treatment that you need

• We offer convenient payment plans and options.
• Please talk to us about setting up a payment plan.

HIGH DEDUCTIBLE PLANS

Do you have a HIGH DEDUCTIBLE PLAN?

There has been a recent trend in the insurance industry and that has been the implementation of High deductible plans.  These plans have a dollar amount that needs to be reached before your insurance company will start to pay.

Example: $1000 deductible – you must pay $1000 (on top of your premiums) before your insurance company will pay a dime.

Deductibles sometimes only apply to treatment and not Office Visits.

Example:  you go to a Cardiologist for chest pain and he recommends Open Heart Surgery.  The office visit that you originally saw the Cardiologist may be paid by your insurance company (excluding a Co-pay or Co-insurance) the procedure itself will be subjected to the $1000 deductible before the Insurance Company pays their share of the bill.

This is similar to treatment rendered in this office.  The first visit and Re-Examinations may only be subjected to a Co-pay or Co-insurance, but some treatments, (i.e. Manipulation, Rehab, Electric Stimulation, etc…) maybe subjected to the $1000 deductible.