Caspers Chiropractic Center Financial Policy
Patients Without Chiropractic Insurance
We extend a time-of-service discount to our patients without insurance. Our office’s time of service discount is 20%. We collect your payment at the time of your visit.
Group Or Individual Insurance
Your insurance is an agreement between you and your insurance company, not between your insurance company and our office. We will call to verify benefits on your insurance; however, the benefits quoted to us by your insurance company are not a guarantee of payment. As a courtesy, our office will complete any necessary insurance forms and file them with your insurance company at no additional charge.
It is to be understood and agreed that any services rendered are charged to you directly and you are responsible for payment of any non-covered services, deductibles, or co-pays. Most insurance plans will not cover maintenance, wellness, or supportive care. The doctor will make a recommendation for wellness care when you are ready to become a VIP Wellness Patient and our Time of Service Discount will apply.
“On The Job” Injury (Worker’s Compensation)
If you are injured on the job, you need to inform your employer of the accident and obtain the name and address of their Worker’s Compensation 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, all fees for services rendered are due immediately.
Personal Injury Or Automobile Accidents
Please present your auto insurance card, health insurance card, and tell us if you have retained an attorney. There are two options available to a PI patient:
Pay cash for your care and we will submit reports whenever necessary. We will bill (accept assignment) from the Med Pay portion of your auto insurance. Should your Med Pay benefits be exhausted we will accept a Letter of Protection or Doctor’s Lien from an attorney.
You are ultimately responsible for your bill; we will wait for the settlement of your claim for up to six months after care is completed. Once the claim is settled or if you suspend or terminate care, any fees for services are due immediately.
Medicare
We accept assignment from Medicare. The check is usually sent directly to our office in payment of the services that Medicare will cover, which for chiropractors, is ONLY manual manipulation of the spine. Medicare pays 80% of the allowable fee once the deductible has been met. You are required to pay the deductible and the remaining 20%.
All other services we provide are NON-COVERED. These services include, but are not limited to, x-rays, examinations, therapies, orthotics, supports, and/or nutritional supplements. Medicare patients are responsible for charges of non- covered services. Our office completes and files forms for Medicare at no cost.
Secondary Insurance
Please inform us of any secondary insurance you may have.
- Flex Plans or Medical Savings Accounts (HSA/FSA): We can provide you with a statement of charges for reimbursement. Or you can pay with an HSA debit card.
- Care Credit or Payment Plan: Care credit is available if finances become a concern for you. All payment arrangements must be made in advance of your care.
Insurance Forms & Payment
If you receive any correspondence or checks from your insurance company regarding your care at our office, please bring it in or notify us promptly. Failure to respond could result in delayed or denied coverage. Billing statements are sent via mail or email within 30 days after insurance processes claims. Reminders are sent after 60 days of non-payment, and accounts unpaid for 90 days may be referred to a collection agency.
I have read and understand the payment policy of Caspers Chiropractic Center. I understand that my insurance is an agreement between me and my insurance company, NOT between Caspers Chiropractic Center and my insurance company. I also understand that if my insurance does not respond within 60 days, or if I suspend or terminate my schedule of care as prescribed by the doctors at Caspers Chiropractic Center that fees will be due and payable immediately.