Group or Individual Insurance
We attempt to take out as much of the "insurance
hassle" as possible for you. We'll happily telephone
your insurance company to verify your coverage
benefits.
Please remember, however, that the benefits quoted
to us by your insurance company are not a guarantee
of payment. We will file your claim and await
payment for 90 days.
If your company pays the benefits they quote to us,
the only services you will be responsible for are
any non-covered services, deductibles or co-pays. If
you have any questions at all regarding your
financial responsibilities at our office, please do
not hesitate to ask. Our insurance clerk has years
of experience and will be happy to assist you.
Patients without insurance
An increasing number of patients do not have
insurance, or have plans with limited coverage, such
as catastrophic policies. We realize that no one
wants to build up a large bill.
Therefore, we have several plans so those patients
may receive complete care without undue financial
difficulty and maybe cost effective as your
insurance plan. Of course we are always happy to
accept cash, your personal
check, MasterCard and Visa.
"On The Job" Injury (Worker's Compensation) If you
are injured on the job, your care should be paid for
under your employer's Worker's Compensation
insurance. You will need to inform your employer of
the accident and
obtain the name and address of the carrier of their
insurance. If your employer does not provide us with
this information, if a settlement has not been made
within 3 months, or if you suspend or terminate
care, any fees and services
are due immediately.
Personal Injury Or Automobile Accidents
Please notify your auto insurance carrier of your
visit to our office immediately. Notify our
insurance department immediately if an attorney is
representing you. Although you are ultimately
responsible
for your bill, we will wait for settlement of your
claim for up to six months after your care is
completed. Once the claim is settled or if you
suspend or terminate care, any fees for services are
due immediately.
Medicare
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. Medicare pays 80% of the allowable fee
once the deductible has been met. You are required
to pay the deductible and the remaining 20% as well
as any non-covered services. Our office
completes and files the forms for Medicare at no
charge.
Secondary Insurance
Please inform us of any secondary insurance you may
have. We will assist you if you need help in filing.
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