Insurance FAQ

Frequently Asked Questions

Q: Can I use my HSA/FSA?

A: Most often, YES! Although each HSA/FSA can have their own specific rules, we will help you to interpret and use those benefits.

Q: Can I go to an out of network provider, and why would I?

A: An out of network provider simply means a provider hasn’t signed a contract obliging them to the restrictions of the insurance company. Why this can beneficial to you, is that we are not constrained to the number of visits a year, or the pre-set fee. The fee is often set nation-wide, and is typically higher than our average price per adjustment. We also perform many complimentary procedures in clinic that if contracted, we would be forced to charge you for.

Q: Can I submit on my own?

A: Absolutely! In our clinic, we pass along what we call an “admin/clerical discount”. That means we extend deeper savings to you when we don’t have to submit your claims. If you choose to submit on your own, we will print the necessary forms for you to send in.

Q: What payment options do you have?

A: At the clinic, we provide an all up front option that gives the biggest discount, or a 1x/month or 1x/week payment option. We accept credit card, cash, and checks.

Q: While reading my insurance chiropractic benefits, I see the phrase “musculoskeletal” or “neuro-skeletal”.  What does that mean?

A: In our experience, 100% of insurance companies have this clause and it is the #1 restriction on your care. Those are phrases that control the reason you’re able to seek chiropractic care. It means that in order for insurance to consider coverage, there must be a muscle or bone problem causing pain. That means that conditions we often see patients for like: asthma, ADHD, autism, acid reflux, anxiety, ear infections, chronic immune deficiency, sensory processing disorder, oppositional defiant disorder, constipation, and many many others, are not a covered service under your insurance. If you are calling our office for one of these conditions- rest assured- we’re not contracted and are able to provide you services!

If you don’t see your question here or need additional information, please don’t hesitate to call or email us!