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Insurance



We'll happily telephone your insurance company to verify your coverage benefits. We will file your claim and await payment for 90 days. Please remember however, that the benefits quoted to us by your insurance company are not a guarantee of payment. If you have any questions at all regarding your financial responsibilities at our office, please don't hesitate to ask.
PATIENTS WITHOUT INSURANCE
We request that 100% of the examination and x-ray exam be paid at the time of the visit, unless other arrangements have been made. In subsequent visits, payment may be made at the end of the week if you sign a credit guaranteed form. We are happy to accept cash, check, Master Card, Visa, Discover or American Express. No insurance will be billed.

GROUP OR INDIVIDUAL INSURANCE
When possible, we will call and try to verify benefits on your insurance. However, the benefits quoted to us by your insurance company are not a guarantee of payment. Payment will be due by you at the time of service for any non-covered services, deductibles or co-pays. If you have a secondary insurance program it is your responsibility to send in the EOB (explanation of benefits) to your secondary insurance company.

MEDICARE/PLUS BLUE/HUMANA (in network)
We do accept assignment from Medicare. The check is usually sent directly to our office in payment of the services that Medicare will cover which for Chiropractors is ONLY manual manipulation of the spine. . Your responsibility is the deductible and CO-PAY’S as well as any non-covered services.

MANAGED CARE PLANS-PARTICIPATING PROVIDER
PPOM/ATENA/ASR/FIRST HEALTH
I am a participating physician with the above groups. There is a discount that is reflected in the payment schedule for covered services. Deductible and co-pay that is due at the time of service.

Blue Care Network
For maximum benefits, a referral from your primary care physician will be necessary. Unless a referral is obtained in writing, you are responsible for services rendered. Co-pays are due at the time of service if a referral has been obtained.

Blue Choice Plan / Point of Service by Blue Cross Blue Shield.
Coverage includes an initial x-ray, exam and chiropractic office visits (the number of visits vary per insurance policy). No primary care referral is necessary. Co-pays are due at the time of service.

Blue Cross Blue Shield PPO program
Benefits are available for initial x-ray, exam and chiropractic office visits (the number of visits vary per insurance policy). Co-pays and / or deductible are due at the time of service.

Blue Cross Blue Shield Master Medical
X-ray will be directly paid to this office. Examination and Chiropractic adjustment will be payable at the time of service, because you will receive a check from BCBSM.