Not all chiropractors will bill insurance. We work regularly with most insurance companies.

When you choose coverage with an insurance company, that coverage is a kind of contract where you, as the patient, agree to pay your premiums each month, and you agree to pay whatever cost-sharing is indicated in the structure of your plan.

Cost-sharing includes co-payments, co-insurance, and deductibles.

Cost-sharing is the portion that you pay for your healthcare so that your insurance company is not paying 100% of your medical costs, and each insurance plan will vary in how the cost-sharing is structured.

Co-payments are fixed dollar amounts which are due at any office visit,
Co-insurance is a percentage of the cost of a visit to the doctor. Both co-pay and co-insurance amounts will vary depending on the type of doctor you are seeing.
A deductible is the amount indicated in your specific benefit plan that you are required to pay out-of-pocket for healthcare related costs before co-pays, co-insurances, or insurance payments will be effective. When you pay costs towards your deductible with an in-network doctor, you are still benefiting from your insurance company’s network discount.

When a doctor is in-network, it means that that they have signed a contract with that insurance company. This contract requires doctors to write-off some portion of their in-house fee schedule.

This cost-saving for the patient is part of the reason why we pay premiums on our insurance: you pay in advance for future cost-savings (and hope it balances out!)

When you see a doctor who is ‘out-of-network,’ they are not bound to the lower fee schedule set by the insurance company, and are also covered at a lower rate, which means that if you have a $20 co-payment for an in-network specialist, you may have a $40 co-payment for a specialist who is out-of-network.

This also means that even if you paid your co-pay, and the insurance paid their portion, there might still be costs not covered by the insurance. NOTE: The doctor is legally allowed to bill you for the remaining balance, because they are not bound by contract to write-off that portion.

So, when you call-in to schedule your initial appointment, we'd like you to give us your insurance ID number, group number and date of birth to verify your coverage for care.

We always do our best to make sure that we have the most accurate information on file for your billing, so that you get as few surprise bills in the mail as possible.

However, it is important to know that it is always the responsibility of our patients themselves to know the details of their insurance plan and coverage limitations.

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