Holly Springs Chiropractic believes in the value of wellness care for you and your family and have maintained a pricing structure that allows care for all budgets. Our office participates in most insurance programs. We also accept auto accident and workers compensation cases. For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. To learn more about our payment options for chiropractic and wellness care, you can call our office directly.
We will file most insurance plans for you. We accept auto accident, workers compensation, personal injury and most health insurance plans, including Medicare and Medicaid. Since there are so many plans and coverage varies widely, please call us to find out if your plan covers care in our office. Our staff will verify and explain your benefits before treatment, at no charge.
For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. If you have no insurance or do not have chiropractic benefits there is still a way for you to receive the care you need. Many patients pay directly for care, we are happy to discuss your options. In our office patients without insurance or request not to file with their insurance are called "cash patients." "Cash patients" pay for services out of pocket by cash, check, or VISA or MasterCard credit/debit card.
Getting to Know Your Insurance Benefits
Knowing and understanding your insurance benefits takes much of the financial surprise out of healthcare.
While good health is priceless, most of us have budgetary constraints to consider. Carefully planning your responsibility for a visit can reduce some of the financial burden.
Each insurance plan offers something different, even within one insurance carrier. Even with a "good" health insurance policy, not every service may be covered in full, and the patient is ultimately left with the responsibility to pay the amount deemed "patient responsibility."
This is just a brief explanation of the types of financial responsibility incurred in a physician's office.
It is important that you understand your benefits. Check with customer service, human resources, or your agent for clarification of your benefits and responsibilities.
Holly Springs Chiropractic tries to give you the best estimation of benefits of your insurance coverage that is available however it is a patient's responsibility to understand and/or question your benefits with your insurance company. Our estimation of benefits is based on an estimate given to us from your insurance company and is not a guarantee of payment or coverage benefits.
Some insurance policies require that a deductible be met before coverage begins. For example, if you have a $1,500 deductible, you must pay that amount before expenses are covered by the insurance company. Your insurance company can tell you how much of your deductible has been met to date. This is a common with high deductible plans and co-insurance may be required after the deductible is met.
Other insurance plans have a just a coinsurance requirement, which means the patient and the insurance company each pay a specific percentage of the day's visit. We try our best to provide patients with the "contracted amounts" allowed by each insurance company. These "contracted amounts" or "allowed amounts" vary by insurance companies and may vary by plans within one insurance provider.
Some plans require that the patient pay a set amount for each visit. This may or may not include all services associated with the visit.
Some plans require co-pay for the office visit, and then have a deductible or coinsurance for other procedures.
Some insurance policies may also have combination of deductibles, coinsurance, and co-pays. For example, a policy may require a subscriber to pay a co-pay for the office visit/exam and deductible or co-insurance for manipulation and therapies.
Do I have to pay at the time of visit?
In almost all cases, some payment is required at the time of visit, whether it is a deductible, a co-pay, or payment for any non-covered services.
If you have not met your deductible - we will estimate the expected insurance payment for your visit and request that amount at check-out. This is an estimate only - you may receive a statement with additional balances after your visit. Charges are finalized after the medical claim has been processed by your insurance company.
You will be expected to pay in full if:
- You do not have insurance
- We do not participate with your health plan
- If you do not have chiropractic benefits
- You are unable to present a valid member identification card from your insurance carrier at your visit
- We are unable to verify your insurance coverage at the time of service
For additional details please see a staff member at the front desk.
May I Request a Change in the Way My Services were Billed to My Insurance Company?
It is very important to understand your insurance coverage so you will not be surprised if a specific type of service is not covered by your policy. Billing must reflect what happened during your medical visit and match what is recorded in your medical record.
If at any point you do not wish to file with your insurance policy that is your right to protect your personal health information. If you decide you do not wish us to file your health benefits you will be considered as a "cash patient" or a patient that does not have health benefits available.
Explanation of Additional Fees for After Hour Visits
Dr. Adamson will see patients outside business hours or on weekends as needed and as his schedule allows. Visits for emergency cases outside business hours and on weekends will incur a $25.00 charge that may not be covered by insurance. This charge is in addition to any regular copay, deductible or co-insurance amount for the visit.