Insurance Plans can be confusing!
Our trained staff will help you to decipher the myriad of deductables, copays, visit limitations & what's covered and not covered. If you're worried about financials - don't be! We will explain the insurance plans to you so you have a clear understanding of what's covered by your insurance. You will NEVER be charged for services unless you understand and agree to them first. You can come in for a free consultation if you have any questions about insurance or our affordable cash plans. We build our practices on customer service and results!
Facts You Should Know About Your
Insurance
As an optimum care chiropractic office, our first priority is to make sure our patients receive the highest quality of care possible. In an effort to maintain our standard, we would like to share with you some facts about health insurance with you.
Fact #1: Your insurance is based upon a contract between your employer (or you if you have purchased on your own) and your health insurance company. Should questions arise about your policy, it is best to contact your insurance company directly. We can verify your benefits in our office and tell you what coverage you have. However, only they can tell you why your policy is set up the way it is.
Fact #2: Chiropractic benefits very greatly from one company to another and from one policy to another. Just because a co-worker has a certain amount of coverage does not mean you have the same.
Fact #3: Having health insurance accomplishes two things. First, if something catastrophic happens, hopefully your financial hardship will be limited. Second, it allows you to prepay for health services. In order for health insurance companies to make money, you will have to pay more money to them than they pay providers. So basically, you are financing your health services through them.
Fact #4: Most chiropractic plans today allow for 12 to 20 visits. Unfortunately, most treatment plans require more. Again, insurance is more of an aid to help cover costs. The amount of HELP you get is based on the amount you or your employer paid for your plan
Fact #5: You may receive a notification stating the charges are “higher than usual and customary”. An insurance company surveys a geographic area, calculates an average fee, takes 80% of that fee and considers it customary. Included in this survey are clinics with lower than usual and customary charges that bring the average down. The private practice doctor will have fees that insurance companies define as “higher than usual and customary”.
Financial arrangements can be made directly with us regardless of insurance coverage. We will assist you with filing a claim with your insurance company. We will work with you any way we can so you can receive the best possible care. Please do not hesitate to ask us any question you may have.
RATES
No Health Insurance? No problem - the following is an example of our cash rate plan. Plan discounts available for multiple visits. Corporate & Seasonal promotions for New Patients available. Please contact or visit our office for more details. Physiotherapy rates vary upon treatment required - Please consult doctor for physiotherapy & rehabilitation cash rates.
| *Cash Rates (Jan 1, 2008) |
Initial Exam |
Adjustment |
Massage |
| Scottsdale Family Chiropractic |
$75.00 |
$50.00 |
$80/hr |
| Desert Oasis Chiropractic |
$75.00 |
$40.00 |
$80/hr |
| Grand Canyon Chiropractic |
$75.00 |
$40.00 |
$80/hr |
*Cash rates for non-insurance claims only. Quoted Initial Exam does not include X-rays if required. Please see doctor for more details on rates. Consultations are always FREE of charge. Free Consultation includes brief subjective history, insurance verification & explanation of cost of services. On a positive note:
- Chiropractic care is available to members of the armed forces at more than 40 military bases in the U.S., and at nearly 30 veteran’s administration medical facilities.
- The U.S. Congress has authorized that certain chiropractic services for all Americans be covered by Medicare and Medicaid.
- Federal employees have chiropractic coverage in the Federal Employee Health Benefit Program and in the Federal Employee Worker’s Compensation Program.
- Chiropractic treatment is a covered benefit in virtually all traditional insurance policies. In fact, according to some reports, as many as 87 percent of all insured American workers have coverage for chiropractic services in their health care plans.
- All 50 states have authorized the provision of chiropractic care under state workers’ compensation laws.
- Chiropractic services are included in the Railroad Retirement Act.
- The Internal Revenue Service includes chiropractic services as a valid medical deduction.
(source: American Chiropractic Association www.acatoday.com)
