You have questions, we have answers. Insurance plans and their benefits are an endless moving target!
If you do not have insurance, or your coverage is inadequate, please ask about our affordable Time for Service fees. This may be a better alternative for you!
If you are being treated as part of a personal injury or auto accident case, it is imperative that you let us know when you schedule your first visit.
As with most providers, we do our best to keep up with the changing landscape of insurance. However, it is important to understand that the patient – not the insurance company – is ultimately responsible for any fees associated with treatment. Co-pays and deductibles are due when services are provided. It is ultimately the insurance company who decides what a patient is billed – not the provider.
For up-to-date information on what your plan covers, give Linda at Healthcare Billing a call at (908)237-9092, and be sure to have your insurance card handy! It costs you nothing to have her take a look at your coverage for chiropractic care.
We Are a Participating Provider with the following Companies:
Blue Cross / Blue Shield
American Specialty Health Network (ASHN)
Private Healthcare Systems (PHCS)
For your convenience, we also bill to numerous plans on an Out of Network basis including:
United healthcare PPO
Terms people often don’t know, but feel foolish asking (please don’t ever feel foolish about insurance questions!)
Deductible – The total amount you are personally responsible for before your insurance company starts paying benefits. Typically, deductibles are calculated as your total healthcare spending among all eligible services. Not all plans have a deductible, and among those that do the amount varies from a hundred to thousands of dollars.
Copay – For in network plans, the amount the patient pays per visit. The copay may or may not cover all of the patient’s obligation, depending on the plan.
Coinsurance – For plans that utilize this system, the insurance company determines (using their own formula) what the patient will pay for treatment. This amount is typically billed after the visit, as we don’t know what it is until after insurance processes the claim.
Patient Obligation – A fancy way of saying the amount the patient is to be billed for treatment. This is determined solely by the insurance company.
Limits – Many plans have limits on the number of chiropractic treatments that are covered per year. You can still continue treatment after this limit is reached, however the insurance company will not pay towards it.