Health Insurance has as much to do with being healthy as life insurance has to do with being alive. If you rely on your insurance company’s health coverage for your health care needs…we hope you have good life insurance.
At Hart Chiropractic our staff is highly trained on insurance verification and eligibility. This courtesy is extended to get an accurate estimate of your insurance coverage before your first appointment. This ensures no surprise bills later on.
How do we do this? In order to get an accurate estimate of your insurance benefits we need the following information: Your insurance member ID#, group#, and your date of birth. Most insurance companies have made it easy for providers to search and see a patient’s benefits through an online portal. This makes it a simple and quick check for our staff to give you an accurate idea of what costs would be associated with your care here.
Treatment recommendations are based on the specific care that YOU need.
As a service to our patients, we accept most medical insurance and will handle the necessary paperwork and claim forms. Co-insurance and Deductible portions are due AT TIME OF SERVICE. Our office accepts cash, check, CareCredit and all major credit cards.
Gone are the days where most people have a simple copay to see a doctor and the rest is covered. The new normal is high deductibles and restricted plans, meaning more patient expense and less insurance coverage. How much do you know about your plan?
The two most common questions we get are about deductibles and the difference between HMO vs PPO. Let’s dive into these to learn a little but more about each.
DEDUCTIBLE: This is the amount you pay BEFORE your insurance company pays anything towards your care. Do you have a high deductible? The new normal we see is between $1000-$5000. Yes this is a high number but many people have an HRA or FSA that can help offset these costs. Do you know what your deductible is? Do you have an HRA or FSA? Let our skilled staff look into your insurance and find out exactly what coverage you have.
HMO vs. PPO: For chiropractic care it is important to know that anyone with an HMO has to have a referral from their primary doctor to see a chiropractor. WHY? because in an HMO policy all of your medical care is controlled by your primary doctor. They decide if you need to see a specialist and that specialist must be in your HMO network. In a PPO policy you are allowed to see a chiropractor without needing a referral from your primary care doctor.
- HMO = less expensive monthly premiums but no control of which doctors you see
- PPO = more expensive monthly premiums but FULL control of which doctors you see
“What a great experience! Thanks Dr. Hart, and to the staff of Hart Chiropractic. Looking forward to my next visit!”
“Dr. Hart is totally professional, empathetic and creative regarding treatments for returning patients to high levels of wellness and then retaining that wellness.”
“I’ve seen several chiropractors over 10 years for chronic back pain with limited success. I started seeing Dr Hart about 2 years ago after moving to the area and his approach was unlike any Dr. I had ever had. ”