INSURANCE – SELF PAY (TIME OF SERVICE) – DISCOUNT – CAR ACCIDENT INSURANCE – WORKER COMPENSATION
We accept Insurance, Cash, Personal Checks, Visa and Master card as well as some Debit Cards.
We can bill many insurance plans with chiropractic coverage, including many MCOs (Managed Care Organizations), PPOs (Preferred Provider Organizations) and HMO plans, like Kaiser. We collect your co-pay or co-insurance percentage at the time of services, and do bill insurance. Some plans have deductibles which you will typically have to pay before insurance will reimburse.
We can bill all Motor Vehicle and Worker’s Compensation cases, which typically do not have out-of-pocket payments or co-pays. No referral is required for Motor Vehicle or Worker’s Compensation.
For Self-Pay, or insurance plans that do not cover chiropractic or massage services, we offer a state-approved Discount Medical Payment Option (DMPO) that you can elect, to save 50% to 30% as “Self Pay” at time of service. (Note that with some types of insurance, and certain situations – like Medicare or managed Medicare – we cannot apply discount plans for self-pay without actually billing the carrier). This is a Payment at Time of Service option. If you elect this Time of Service/”Cash” method – and it fits your situation – this provides a 50% discount on the first visit, and 30% on subsequent visits. We will discuss this with you.
Discounts are based on the Oregon approved fees or appropriate insurance rules, and calculated based on what services we provide. If you elect optional special services beyond the basic chiropractic services, such as Graston technique, Kinesiotaping, or extended Massage, there are added charges that we will discuss with you. Diagnostics (re-exams for new problems or required updates) can also the base amount, but the 30% DMPO discount applies to them as well.
The DMPO can also be used as a supplement to insurance, for example, where insurance does not pay for certain services. For example, if your BCBS policy does not cover massage therapy, the DMPO can be used for a discount of 50% to 30% off the cost of the those services, after your co-pay.
If information is made available prior to your appointment, we will attempt to verify your insurance coverage for you. It is your responsibility, however, to know your insurance benefits. When contacting us, please have your insurance info available. A very important hint is that “Policy Names” are very important these days – such as “Providence Choice” over just the old “Providence”.
The following is a list of some of the carriers we are on plans with and/or regularly bill. Many carrier names are included under others in “umbrella” fashion. If you do not see your carrier in the list below, contact the front desk at (503) 280-9759.
THIS FOLLOWING IS NOT THE ONLY LIST OF CARRIERS WE BILL. THIS LIST IS CONSTANTLY UPDATED. PLEASE CALL AND ASK. When you call, please know if your coverage includes chiropractic. Remember, as above, the “name” of the plan is very important.
|Kaiser Permanente||One Health Plan||Allstate|
|Complementary Health Plans (CHP Networks)||Cigna / Healthways (varies by plan)||USAA|
|Blue Cross Blue Shield (BCBS)||Aetna (varies by plan)||Safeco|
|Providence Health plan||Mega Life & Health||Nationwide|
|HealthNet / ASH||Wausau||Farmers|
|Blue Cross/Blue Shield HMO PPO Regence Anthem||Liberty Northwest||Encompass|
|Health Care Mgt Admin||The Guardian||American Family|
|School District #||Associated Administrators||State Farm|
|American Specialty Health (ASH) Networks||Republic Indemnity||Country Companies|
|ACN Group / Optum||Oregon Worker’s Comp||Allied|
Please have your current insurance card available so we can copy it. If you call the Front Desk Administrator at (503) 280-9759, you can request that we can help you confirm your insurance. We will otherwise do this after your first visit. Open all mail form your insurance company before your appointments.
When you call your insurance company to verify your benefits, you will hear the following, which we repeat for you here, because it is important. This is what they tell us, as well:
“Pre-authorization of benefits is not a guarantee of payment. Final determination on the claim is based on necessity and will be made within specific time guidelines upon receipt and review of the supporting documentation.”