FACT: Health insurance is NOT a
PAY-ALL; it is only meant to be an aid.
FACT: Many insurance companies
tell the patient they will be covered "70%, 80% or up to 100%."
We have found that most insurance plans cover approximately 50% of
an average treatment.
FACT: Insurance companies usually
tell the patient the doctor's "fees are above the usual and
customary allowed", rather than saying "your benefits are too
FACT: Many times insurance
companies will deny services stating "the services provided were
not medically necessary", rather than saying "the limitations
of the policy have been reached."
Please do no let your
insurance coverage dictate the treatment you need to correct and
maintain your health. If finances are an obstacle, please
discuss this with us. We have payment plans to fit almost any
As a courtesy to our patients, we file
claims on a weekly basis and we will assist you with any insurance
questions you may have.
Your insurance policy is a contract between you and your insurance
company. We do not guarantee nor do we make representation that your
insurance company will pay your claims. We ask that you make an
estimated payment based on your co-pay, co-insurance, deductibles,
etc. Payments should be made at the time services are rendered
unless otherwise noted. Please note that your expected payment
reflects an estimate and is not intended to be an exact
determination of your financial obligation.
It usually takes 4-6 weeks to receive payment notification from the
insurance company. At the time that insurance checks are received,
we will notify you if there is any outstanding balance due for a
particular service. If there is an overbalance, we will issue you a
refund check or credit your account for future visits.
If payment is not received from your insurance company within 45
days, we ask that you then pay for the services rendered.
We ask that you keep your account current on a monthly basis. For
your convenience, we accept cash, checks and major credit cards.
You will be asked to authorize this
office to furnish information regarding your case directly to your
insurance company and assign all benefits to be paid directly to
this office. This will expedite processing of your claims.
Please remember that all charges for services rendered are charged
directly to you, and you are personally responsible for payment.
All insurance policies have limitations on coverage. We will notify
you when your maximum benefits have been reached.
Health care has been making rapid
changes in recent years. Insurance companies have formed HMO's,
PPO's and other networks of doctors in order to control health care
We may or may not be a provider in your particular group. Many
policies allow coverage for "out of network" providers payable at a
different rate. We will work with your primary care provider and
your insurance company in order for you to obtain the maximum
For any question concerning insurance
coverage pertaining to your chiropractic care, Contact Michelle
Mueller at 610-366-7061