There are many variables to consider when checking your insurance benefit and we are happy to make the call to determine what each individual situation may be.
We would like to answer some of the most common questions that arise when it comes to what your medical insurance will cover when it comes to Chiropractic. When checking with your insurance Chiropractic is often labeled as “alternative care” which includes Chiropractic, Acupuncture, and Naturopath. This is a combined benefit, so the limits are divided between all three services. If you happen to use a combination of alternative care it is imperative to keep track of your visits and or dollar amount used to keep you from going over your limits.
What is deductible? A deductible is a set at the beginning of a calendar year or plan year. It is a set amount determined by you and your insurance company, this amount is what the patient is responsible for until the deductible is met. We will take payment based upon charges incurred for the day up to your deductible amount.
What is co-pay or co-ins? Co-pay is a set amount you are responsible for per visit, it can range between $10.00-35.00. A co-ins is usually a percentage of the total charged allowable amount; it usually ranges from 10-50% depending on if the Dr. is contracted with that insurance company.
Does my Insurance cover Massage Therapy? It is based on each individual plan, but most insurance companies do cover massage therapy. In some cases they will only cover it in conjunction with chiropractic care. There are instances where it is covered on its own, we check each individual plan to make sure we are clear what the coverage is.
Who covers Medical expenses when involved in an Auto accident? If you are involved in an auto accident and you are at fault, your Auto Insurance Company will handle your medical bills under the Personal Insurance Protection based on your policy limits. If you are involved in an accident and you are NOT at fault your insurance company handles your medical bills. You will follow the same protocol for both situations, you must contact your insurance company and set up a claim. There are a couple of important pieces of information you will need, claim number and name of claims adjustor with a direct contact phone number. You will need to provide this information to your medical providers.
Do we bill Workers Compensation? Yes we do, Chiropractors are allowed 18 visits or 60 days of treatment whichever comes first. It is best to check with us to make sure we are contracted with your workers compensation company.
Are you contracted with my Insurance Company? Dr. Fox is currently contracted with BCBS, Lifewise & Cigna we will continue to do our best to accommodate requests for contracting with certain companies. Dr. Crokin is not currently contracted with any Insurance companies, but he does offer very competitive time of service rates and package pricing. Most insurance companies have an Out of Network benefit and in many cases it is the same or similar to the In Network benefit.