Affordable
Chiropractic: The Affordable and Effective Way to Health
“We will help make chiropractic care affordable for you.”
When considering chiropractic care, it is common to ask some common financial questions.
- Will I be able to afford it?
- How much of this will insurance cover?
- Are payment plans available?
In this day and age, insurance coverage and reimbursement have been a rare commodity. Due to these issues people are being forced to compromise their freedom of choice and quality of health care. Therefore, we have established a stress free payment plan system that enables you and your family to receive the care you need regardless of your insurance coverage, budget or financial situation.
Insurance Coverage
If you have insurance that covers chiropractic, our office will help you maximize that benefit. However, it is important you realize there is a limit to what is covered. You should be aware of the following points:
If the insurance company says that they reimburse a percentage of all reasonable and necessary chiropractic care, you must understand the insurance company is the one who determines reasonable and necessary, not your doctor.
The limit is not based on your individual health care needs but is determined by the specific program limits within your policy.
Limits can be based on a specific dollar amount, a specific period of time or a specific number of adjustments. Therefore, you would be reimbursed based on one of these three categories until you reach their maximum allowed benefit.
Dollar Amount Limit:
The insurance may pay a percentage of the adjustment fee until you reach the maximum dollar limit set by your insurance company or a pre-determined fee set by their fee schedule.
Time Limit:
If your insurance company’s limit is based on a period of time, you may get reimbursed on a percentage of your adjustment fee for that limited period of time or it may be limited to a specifit time up to a specific dollar amount, whichever comes first.
Limit on Adjustments:
When the insurance company’s limit is based on a specific number of adjustments, then you only get reimbursed a percentage of the adjustment fee for a pre-determined number of adjustments.
Unfortunately, as you can see, none of the above policy limits are determined by the patient’s health care needs. Yet, as a patient, you are told by your insurance company “You have reached maximum medical improvement” or that they have reimbursed you for “all reasonable and necessary services.” This makes it quite obvious that your insurance does not base their reimbursements on your health care needs, therefore, neither should you. In today’s managed care system, insurance must be looked at as a supplement to your care not as a sole means to achieving it. There is always an out of pocket expense to the patient like orthodontia, dentistry and lasik surgery. The key is for us to keep your out of pocket expense as low as possible.
That is why we have established a payment structure that will accommodate you and your family with quality health care that is affordable. Our unique payment plans are designed to work with almost every individual and family budget.
The Whole Family
Children’s spinal alignment must be maintained, too. They don’t only look like you from the outside and they may be silently developing your spinal problems. Remember, Chiropractic care is not just a back pain treatment. It is for wellness. Spinal misalignment affects the entire body’s function because it disrupts the nervous system. Therefore, we developed a family payment plan which makes it much more cost effective for the entire family to come in at the same time instead of individually.
It is to your advantage that this clinic has development affordable payment plans that are assured to work for individual and family budgets. By starting your chiropractic program with an affordable payment plan that will enable you and your family to finish your spinal correction and then maintain it, you will make your health care an investment versus an expense.
What if my insurance won’t pay for chiropractic care?
Insurance companies make two mistakes by limiting or denying coverage. First, they ignore current research showing the superiority of chiropractic care in these types of cases. Plus, they overlook the lower cost and higher patient satisfaction enjoyed with chiropractic care. We offer ways to make chiropractic care affordable for just about anyone.
So remember, regardless if you have insurance or if you are financially challenged, if you and your family are committed to correcting and maintaining your spine through chiropractic care we will do everything possible to make it affordable and stress free so it fits within your budget.