Welcome! This page explains the plans we accept, how to use your benefits, and what to expect for costs. If you have a question that isn’t covered here, call us. We’re happy to help.

In‑Network Plans

Aetna
Blue Cross Blue Shield
(e.g., Anthem BCBS)
Medicare
UnitedHealthcare
UnitedHealthcare Oxford
(Formerly Oxford)

Network benefits can change. Individual plan benefits vary. We’ll verify benefits as a courtesy; the most accurate details come from your plan.

Using Your Benefits — What to Ask Your Plan

  • Deductible remaining for the year
  • Copay or coinsurance for chiropractic services
  • Visit limits or authorization requirements
  • Whether modalities (e.g., therapeutic exercise, Class III cold laser, ESWT shockwave) are covered
  • Rules for out‑of‑network or secondary plans (if applicable)

Out‑of‑Network & Self‑Pay

If your plan isn’t in‑network or you prefer not to use insurance, we offer straightforward self‑pay options provided prior to care. We can submit charges to your plan for possible out-of-network reimbursement. HSA/FSA cards are welcome.

Pricing Overview

We keep costs transparent and explain them in advance. Typical structure:

  • First visit — Consultation, targeted exam, and treatment when appropriate.
  • Follow‑up visits — Shorter, focused sessions to reinforce progress.
  • Adjunct options — Therapeutic exercise, class III cold laser, and/or shockwave (ESWT) when they’re a good fit.

Coverage for exams and adjunct therapies varies by plan (for example, Medicare generally covers spinal manipulation but not exams or adjunct therapies). We’ll review your options before care.

FAQs

Do you verify my benefits?
Yes — we check benefits as a courtesy so you have a clear estimate. Final responsibility rests with the member, so we also recommend calling the number on your card for the most accurate details.
Do I need a referral?
Most plans don’t require a referral for chiropractic, but some do. If your plan lists a PCP gatekeeper or requires pre‑authorization, please confirm with your insurer.
How does Medicare work?
Medicare typically covers chiropractic spinal manipulation when medically necessary. Exams and adjunct therapies (e.g., laser, shockwave, therapeutic exercise) are generally not covered by Medicare and may be self‑pay. A Medicare supplement/secondary plan may help with some costs. We’ll explain your options before care.
Can I use HSA/FSA?
Yes. We accept HSA/FSA cards and can provide itemized receipts for your records.
What if I’m out‑of‑network?
You can self‑pay and we’ll submit charges to your plan. Many patients receive partial reimbursement depending on their out‑of‑network benefits.
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