Insurance & Payment Options
Insurance can be confusing, especially when you are already dealing with pain. Our staff will contact your insurance company, review your benefits, and explain your coverage in plain language before your first appointment, so you know what to expect.
In-Network Insurance Plans
Our office is an in-network provider for the following health plans.
Being “in-network” means we have a contract with these companies to provide care at their negotiated rates, which usually means lower out‑of‑pocket costs for you.
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Aetna (including Aetna Medicare)
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CareFirst BlueCross BlueShield
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BlueCross BlueShield Federal Employee Program (FEP)
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BlueCross BlueShield National Accounts
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Medicare (Original)
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Medicare Advantage Plans
If your card shows one of these plans, please let our staff know when you call or when you schedule online. Our team will confirm your specific chiropractic and physical therapy benefits, including any deductible, copay, or coinsurance that may apply.
Out-Of-Network Coverage and PPO Plans
If your plan is not listed above, you may still be able to use your benefits in our office.
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We are an out-of-network provider, which means we are not under a direct contract with some insurance companies.
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Many plans, especially Preferred Provider Organization (PPO) plans, still pay for care received from out‑of‑network doctors. A PPO plan usually lets you see any licensed provider you choose, but your share of the cost may be higher if the provider is out of network.
Our office will file claims with most insurance plans that have a PPO option. We will:
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Submit your claims for you
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Apply any payments from your insurance company to your account
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Clearly explain any remaining balance that is your responsibility
If you are unsure whether you have a PPO plan or out‑of‑network benefits, our staff can help you check this with your insurance company.
Medicare and Medicare Advantage
We accept:
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Medicare (Original) – Sometimes called “traditional” or “fee‑for‑service” Medicare.
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Medicare Advantage Plans – These are Medicare plans managed by private insurance companies (often HMOs or PPOs) that provide your Medicare benefits.
For Medicare patients, we will:
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Verify your chiropractic and physical therapy benefits
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Review any deductibles, copays, or visit limits
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Explain which services your plan covers and which may be your responsibility
Our goal is to make Medicare billing as simple as possible so you can focus on your recovery, not your paperwork.
Personal Injury and Auto Accident Cases
If you were hurt in a car accident or another type of personal injury, we can help you navigate your benefits.
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Automobile insurance medical payments (“Med Pay”)
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Many auto insurance policies include Medical Payments benefits, sometimes called “Med Pay.”
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This is a portion of your auto policy that can help pay for reasonable and necessary medical care related to injuries from a vehicle accident, regardless of who was at fault.
Our office will:
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File directly with your automobile insurance Med Pay benefits (when available) for treatment related to your accident
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Coordinate billing information with your auto carrier as needed
Working with your attorney
If you are working with an attorney for a personal injury case (auto accident or other injury), we are accustomed to:
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Communicating with your attorney’s office regarding your treatment and records
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Providing documentation of diagnosis, treatment, and progress
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Discussing reasonable payment arrangements when care is related to a pending legal claim​
Please let us know at your first visit if you have an attorney, so we can make sure all paperwork is handled correctly from the beginning.
What to Expect: Verifying Your Benefits
Most insurance plans provide coverage for chiropractic care and related physical therapy services when they are medically necessary. Coverage details vary, which is why verification is so important.
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Before your appointment, our staff will:
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Contact your insurance company and verify your benefits
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Ask about coverage for chiropractic treatment, physical therapy, and any visit limits
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Confirm your deductible, copay, or coinsurance
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Review whether preauthorization
When you arrive, we will review a clear summary of your benefits with you in simple terms. You will know:
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What your plan is expected to pay
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What your estimated out‑of‑pocket cost will be
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How any deductibles or visit limits may affect your care
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This process is designed to avoid surprises and help you make informed decisions about your treatment.
Questions and Financial Responsibility
Insurance coverage is ultimately an agreement between you and your insurance company. While we do everything we can to give you accurate information, final payment decisions are made by your insurer when they process your claim.
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If you have any questions about your coverage or our role in filing claims:
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Please call our office, and our staff will be happy to review your benefits and options.
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We can also discuss payment arrangements if you have a high deductible, limited coverage, or no insurance.
We are committed to making high‑quality, non‑surgical spine and musculoskeletal care as accessible and understandable as possible for our patients.
For more information concerning insurance coverage at our office please contact us