First, three words that cost people money
If you understand these three, you understand 90% of your bill.
Deductible
What you pay before insurance pays anything.
$1,500 deductible = you cover the first $1,500 of care this year.
Copay
A flat fee per visit your plan sets. By contract, we can’t waive or discount it.
$30 copay = $30 every visit, no matter what.
Coinsurance
Your percentage share after the deductible’s met. Your insurer sets it after we bill.
20% coinsurance = you pay 20% of the visit.
How your visit actually gets paid
Four steps. That’s it.
You come in and we treat you
We collect your copay if your plan has one.
We bill your insurance
We send the claim for you — no paperwork on your end.
Insurance decides their share
They apply your deductible and coinsurance and pay their part.
Anything left is your balance
If there’s a remainder, we’ll bill you — and we’ll always explain why.
Do we take your plan?
Here’s the honest list for chiropractic care. Don’t see yours? Keep reading — you’ve still got good options.
MOST PLANS — WE’VE GOT YOUWe’re in-network with
These bill straight through — nothing extra for you to do.
- Aetna
- Cigna
- Humana
- Capital Blue Cross
- Most Medicare (all states)
- Railroad Medicare
- American Specialty Health (ASHN)
- Advantra Freedom
- Berkshire Health Plans
- Coresource
- Coventry / First Health
- Golden Rule
- HealthAmerica
- Loomis
- MultiPlan
- Meritain Health
- Oxford Health Plans
- Tower Health
- UMR
- Wellspan
A FEW WE DON’TOut-of-network
We can still help — here’s how.
- Geisinger
- Horizon BCBS (NJ)
- Independence / IBC
- Keystone
- Personal Choice
- Medicaid
- Teamsters
- UHC
- UPMC
- Certain Medicare plans
How to submit your own bill →
Why a bill can still show up — it’s your plan, not us
If a statement lands later, it’s almost always your insurance doing insurance things — not a charge we added. The usual reasons:
- Your deductible isn’t met yet, so your plan counts this visit toward it — that’s how a deductible works, not an extra fee from us.
- Your insurer calculates a coinsurance share after the visit, so it isn’t always collectible at the desk — it can arrive on a later statement from them.
- Your insurer denied or downgraded a visit. Insurance companies make their own coverage calls — sometimes arbitrary ones — and that part is out of our hands.
- You’ve hit the visit limit your plan authorized for the year. That cap is set by your insurance, not by us.
Hate surprises? You can skip insurance entirely and pay our flat
cash rate — you’ll know the exact cost up front, every time.
DON’T SEE YOUR PLAN? — FOR OUT-OF-NETWORK PATIENTS
You can still come in — and still get reimbursed.
If we’re out-of-network with your insurance, you pay our cash rate and we hand you everything you need to file with your own carrier for reimbursement. Many plans pay you back a good chunk — you just have to submit it. Here’s the simple version:
1. Pay the cash rateYou’re seen like any patient.
2. We give you a superbillAn itemized receipt with the codes your insurer needs.
3. You submit itSend it to your carrier’s out-of-network claims and they reimburse you.
⚡ TIRED OF YOUR INSURANCE?
There’s a better way — Impact Health Sharing.
Paying a fortune for a giant deductible and a maze of “out-of-network”? With Impact, there is no out-of-network — everybody’s in. It’s what Dr. Smith uses for his own family — and offers it to eligible team members at the office.
0out-of-network
125%of Medicare paid
2easy steps
Option A — we handle itThe office takes it, submits it, and it’s paid at 125% of Medicare cost.
Option B — you handle itYou pay, then submit it yourself. Two steps, genuinely easy.
Curious if it’d save your family money? Take a look — no pressure.
Explore Impact Health Sharing →
Swap in Dr. Smith’s personal Impact referral link when ready
Still have questions? That’s normal — ask us anything on the contact page. We’d rather answer first than surprise you later.