Financial Policy
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Are you using insurance?
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If using insurance, what is your co-pay or co-insurance?
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If using insurance, has your deductible been met?
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What services will be part of your treatment plan?
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How long will the treatment plan be?
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If using insurance, are there any services that won’t be covered?
How we can BEST Answer ALL your questions:
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Our Chiropractic Physician performs an examination
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A Treatment Plan is put together
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Your insurance benefits are verified
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We match your insurance plan & benefits so that you are informed of what is covered and what is not covered
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You make decisions about your healthcare
SELF-PAY OPTIONS
Regular Fees
You can pay regular fees or join our discount program to receive a minimum of 33% discount off our regular fees and services.
Our Discount Membership Program
ChiroHealth USA is a discount membership program which allows us to give you a discount off our regular fees. It provides a minimum discount of 33% and provides a maximum fee for Chiropractic treatment with or without an examination. There is an annual fee of $39 paid directly to ChiroHealth USA which covers the purchaser and their spouse and or partners and dependents for one full year. The cost of the membership fee is usually saved in one visit. We receive no compensation from ChiroHealth USA.
To find out how we can help make health-care affordable to you call our office at 773.878.7330 TODAY!
INSURANCE COVERAGE OPTIONS
Our office accepts insurance from most insurance carriers and our office will file with your insurance provider for you. We are also in-network providers for a large majority of carriers. Below is a non-inclusive list (there are many smaller companies which we are in-network with or accept and file insurance claims for):
In Network Insurance Providers
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Aetna
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Blue Cross & Blue Shield
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Coventry
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Multiplan / PHCS: including hundreds of smaller carriers participate with them
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United Health CareFor Covered Services
Although each policy is a little different and each patient receives varying services depending on the condition being treated, a patient could expect to pay on average between $0 to $30 per visit regardless if we are in or out of network with your insurance carrier (assuming deductibles have been met).
For Non-Covered Services
Typically most services are covered, however, for any non-covered services we recommend our patients join our DISCOUNT MEMBERSHIP PROGRAM so that they can save a minimum of 35% off all the other non-covered services they receive.
COVERAGE USING MEDICARE
We accept and are a contracted provider for Medicare Part B (Doctors Office). Medicare only covers certain services performed by chiropractors.
What Medicare Covers
After you have met your deductible, Medicare will reimburse 80% of the “allowable” treatment charges. The only “allowable” treatment charge by a chiropractor is “manual manipulation of the spine” or a spinal adjustment. Depending on the adjustment, this works out to $5 to $10 per adjustment (the 20% patient responsibility left over after Medicare covers 80%).
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If you have a supplemental policy, you have an additional benefit which will cover the 20% left over ($5-$10) of the charge for the adjustment.
What Medicare Does Not Cover
Medicare does not cover any other services (besides the spinal adjustment). Exams, modalities, stretch & exercise instruction, massage, acupuncture, and orthotics used for the treatment of your condition are all considered non-covered services.
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and because Medicare does not cover them, your supplemental policy if you have one, will not cover them either.
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GOOD NEWS: to help make care affordable, we recommend our Medicare patients join our DISCOUNT MEMBERSHIP PROGRAM so that they can save a minimum of 35% off all the other services they receive.
AUTOMOBILE INJURIES
We accept patients who have been injured in an automobile accident whether they were the driver, passenger, or pedestrian. We work with 1st party (your) insurance carrier, 3rd party (person at fault) insurance carrier or attorneys to restore you to your pre-accident health status.
WORK INJURIES
We accept patients who have been injured at work or on the Job in Illinois and many other states. Your employer or your employers’s insurance carrier, by law, is financially responsible for payment of all treatment charges which are a result of your work injury or condition. We will work with your employer, your employer’s insurance carrier, or your attorney so that you can receive your entitlement to all the necessary care and treatment which restores your health to a pre-injury status or to the best possible condition.
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Note: When you have a work related injury or illness, the law requires that you notify your employer immediately, no later than 30 days from knowledge of your injury.