We know insurance can be confusing. That's why we are here to answer any questions you may have. Don't hesitate to call us with any worries or concerns!
Health Insurance FAQs
How much will Chiropractic and Massage treatment cost me?
That depends on your insurance. Some insurances will have a flat copay while others may ask you to pay the full amount towards your deductible before they start to help out. Every insurance plan is different. We will look up your specific insurance as a complimentary service to help alleviate any uncertainties. If you do not have health insurance or would prefer to pay out of pocket, our Chiropractic and Massage Club offers affordable rates so you can still get the care you need.
Will my insurance cover Chiropractic care?
Most insurance companies do have a benefit for alternative medicine, with chiropractic being one of the most common covered services.
Will my insurance cover Massage Therapy?
While massage therapy coverage is harder to come by than chiropractic, it can be found. While some insurance companies will not cover supplementary massage, they may cover medical massage, or massage prescribed by a doctor or chiropractor. Feel free to call our office to ask about your plan specifically.
Health Insurance Terminology
Here are a list of common health insurance terms you may encounter:
Every insurance company has a contracted rate for every service. This means that no matter how much a provider may charge for a service, your insurance and the provider have agreed to a set rate maximum they can be paid.
The amount of money that you need to pay before your insurance starts covering any portion of your bills for certain benefits.
Out of Pocket Maximum
The limit of what you are responsible for paying every year. Once you hit this amount, your insurance company will pay 100% of your medical bills for the rest of the year. Good deal!
A provider that has a contract with your insurance company to charge a contracted amount for their services. Always check with the provider to make sure they are personally contracted with your insurance company. Just because some providers in a clinic may be contracted, not all are. Call your insurance to verify before your appointment.
The percentage of the bill that you are responsible for, even after you reach your deductible. If you see 20%, that means that you will pay 20% and the insurance company will pay 80%. With most insurance plans, if a benefit requires you to pay a coinsurance instead of a copay, you will most likely need to meet your deductible before the insurance company will pay for anything. You will pay 100% of the contracted rate until that deductible is met. Then your percentage will kick in.
A set fee that you pay for the care you receive. Depending on your plan, this amount will either be before or after your deductible. Your co-payment will vary between doctor visits, hospital stays, or other care, such as alternative care.