Insurance Information

We will be accepting most insurances that cover Chiropractic care and will participate in most insurance programs. The following are some of the plans that are accepted by this clinic:

  • Highmark Blue Shield and other related Blue Cross and Blue Shield plans
  • United Healthcare, Principle Life Insurance Co, Premera Blue Cross, Health Allies, Golden Rule and 11 other plans covered under the OptumHealth umbrella.
  • Geisinger Health Plan, Capital Blue Cross, Anthem BlueCross BlueShield, Empire BlueCross BlueShield, Cigna, Aetna Mid Atlantic, PA Employee Benefit Trust Fund (PEBTF), Providence Health Plan, and UNICARE Life and Health Insurnace Co.
  • Medicare
  • Auto Insurance
  • Worker’s Compensation Insurance
  • As always, if you have any questions you are welcome to call our office and ask our friendly staff for answers.
GROUP OR INDIVIDUAL INSURANCE

We attempt to take out as much of the "insurance hassle" as possible for you. We'll happily look online or 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 you financial responsibilities at our office, please do not hesitate to ask. Our insurance clerk 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. Of course we are always happy to accept cash, your personal check, MasterCard, or Visa cards.

"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 will accept assignment from Medicare. The check is usually sent directly to our office for payment of the services that Medicare will cover, which for Chiropractors is ONLY manual manipulation of the spine (also known as Chiropractic Adjustments). 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.