Insurance

All PPO insurance accepted.

Chiropractors contract with the network of managed care and accept the fee schedule and treatment guidelines of the managed care organization. A patient with chiropractic insurance then pays a co-payment at each visit and pays out of his/her pocket until reaching the level of the yearly deductible for the policy. At that time, the insurance company will pay the agreed-upon percentage of the chiropractor’s charges.

Flexible Spending Accounts (FSA)

Flexible Spending Accounts fund your out-of-pocket healthcare expenses with pretax dollars.  This will enable you to save up to 50% of wage (FICA) and income taxes.

Setting up your FSA

Tell your employer to set aside $200/month of your pre-tax wages in an FSA.  This will reduce your monthly take home pay by about $120.  Chiropractic care may be paid with your FSA debit card.  You can also submit a statement to your employer and get $200 per month in tax free reimbursements.  This scenario will save you an additional $80 per month in tax benefits.

Employers like FSA as much as you do because employers also save 7.53% in employer FICA & FUTA wage taxes.  That is way the majority of employers already off FSA.  IF your employer does not offer one, inform him/her how they can save 7.53% for very little extra paperwork.

Health Savings Accounts (HSA)

Consumers with HSA can afford chiropractic care even when it is excluded from their health insurance policy.  They can pay for chiropractic care with pre tax dollars by using a Health Savings Account. HSA lets you keep what you don’t spend today and allow you to use it for your healthcare tomorrow, or for your retirement.  It also lets you invest in your own health by shifting unspent sickness care dollars to wellness and preventative care.  HSA qualified health insurance polices are available either through employer sponsored plans or through individual/family polices.