High Deductibles and Empty Pockets
Welcome to the new era of healthcare where your monthly premiums are comparable to your mortgage payments and your deductibles seem impossible to reach, especially if you try to avoid daily doctor visits.
The same rings true for chiropractic care. We've seen a huge increase in copays (ahem, $75 copay per visit) and a huge decrease in what insurance companies cover (insert: you are allowed 10 visits per year and/or no coverage for therapies). It's such a shame since it took the healthcare industry years to finally recognize the benefits to chiropractic care and start offering better coverage only to now start denying left and right over reasons even we don't quite understand.
Trust us, when it comes to navigating the world of insurance, we are just as frustrated as you.
And don't even get us started on the mounds of paperwork needed to "justify" your care..let's save the endless paperwork gripes for another posting.
What I'm here to tell you is that there are other options amidst the healthcare changes and we are here to help you in whatever ways we can. For starters, we do offer cash discount pricing to patients who choose not to submit to insurance. Yes I know what you are thinking, why pay extra when you already pay for your insurance... but sometimes, paying extra saves you oodles when it comes to those high deductibles I was talking about before.
Example: Say you have a $3,000 deductible with coverage at 70% after the deductible is met. This means, if we are the only doctor you are seeing, you will have to pay $3,000 before your insurance ever pays a dime and in this case you still are responsible for 30% of your charges post deductible.
Instead, we can NOT submit to insurance and you can pay our cash price of $40 for an adjustment only, $10 per therapy (ultrasound, interferential, traction therapy), and between $50-$75 for x-rays. We've found these prices to be manageable and we pride ourselves on offering multiple payment plans as well as the acceptance of many major credit cards.
With the new year fast approaching (where on earth did 2016 go?!) and new benefit plans beginning January 1st, remember you do have options. Please don't let 2017 pass you by without getting the care you need because you think your debit card strip will be worn off before the groundhog sees its shadow. We want to be a part of making your 2017 healthier, happier, and as thicker wallet-er as we can!