Every Insurance plan is different even with the same insurance company. It is your responsibility to understand YOUR insurance. When you present to our office with your insurance card we will call your insurance company to verify your insurance, as the insurance company tells us, “this is just a quote of benefits and exact benefits are determined at the claim is received by the insurance company.”
We try our best to explain to you your financial responsibilities for care at this office. The best way for you to understand this is for you to contact your insurance company yourself. We have created a template for you to follow when calling your insurance company VERIFYING YOUR INSURANCE
We are Preferred Providers for many Insurance companies. Below is a partial list of some of those networks.
- Blue Cross Blue Shield
- Cigna
- United Health Care
- Aetna
- PCHS
- Guardian
- Medicare
This list is always changing, so please contact our office if you are unsure if we are in-network.
Our office also excepts Cash, Check, Visa, MasterCard, Discover and American Express. Payment of Co-Pays and non-covered services are due at time that services are rendered.
In the end we want you to get the treatment that you need
- We offer convenient payment plans and options.
- Please talk to us about setting up a payment plan.
HIGH DEDUCTIBLE PLANS
Do you have a HIGH DEDUCTIBLE PLAN?
There has been a recent trend in the insurance industry and that has been the implementation of High deductible plans. These plans have a dollar amount that needs to be reached before your insurance company will start to pay.
Example: $1000 deductible – you must pay $1000 (on top of your premiums) before your insurance company will pay a dime.
Deductibles sometimes only apply to treatment and not Office Visits.
Example: you go to a Cardiologist for chest pain and he recommends Open Heart Surgery. The office visit that you originally saw the Cardiologist may be paid by your insurance company (excluding a Co-pay or Co-insurance) the procedure itself will be subjected to the $1000 deductible before the Insurance Company pays their share of the bill.
This is similar to treatment rendered in this office. The first visit and Re-Examinations may only be subjected to a Co-pay or Co-insurance, but treatment (Manipulation, Rehab, Electric Stimulation, etc…) maybe subjected to the $1000 deductible.
Because we are In-Network with many Insurance Companies, we will often need to submit the claims to them and wait for a response from them. You, and our office, will receive an EXPLANATION OF BENEFITS (EOB) roughly 1-3 months after your treatment. This EOB will spell out what your insurance company paid for and what is your payment responsibility. Our office will then send you a statement asking for payment of your responsibility and you should pay your responsibility at this time.