Insurance and Payment Plans

It is not normally required to get permission from a medical doctor to receive Chiropractic benefits.   In most cases you can directly seek care WITHOUT a referral from your Primary Care Physician.

If you don’t have insurance, don’t worry, we want you to get the care that you need.  If you are dedicated to living a healthy, vibrant life, then we have affordable plans that make it easy for you to get started on the road to better health and wellness.

We accept all PPO’s and if you have had an automobile accident we accept you car insurance policy (Medpay) and will work with your attorney if you have one.  Some of the PPOs we accept are:

-Aetna
-Cigna
-Blue Cross
-Blue Shield
-United Health Care

We accept all Car Insurance Med-Pay plans including :

AAA – Fidelity – State Farm – Geico-     California Casualty – Safeco – Farmers -All State – Hartford – Progressive

*If your car insurance isn’t listed,  don’t worry, we will still honor your Med-Pay Policy.  If you don’t know if you have Med-Pay on your policy, please check with your insurance agent.  We will work with your attorney if you have one as well.

Make an appointment today at our Redwood City Chiropractic Office today, we can help you get back on the road to health.   Call us at 650.353.1133.

*We submit and verify claims as a courtesy when you come into our office, however these are an estimate until your insurance company sends billing to you and our office.

FAQs about Insurance:

Insurance is very complicated and confusing. Here are 3 of the most common questions we here at our facility.

1. Why is it that for an MD, I pay one amount even nothing sometimes but when I see a Specialist (Chiropractor or Acupuncturist) I pay a different amount?

Each insurance policy is different and specific for different wants.

Your insurance policy is a very long and detailed document that outlines what benefit limits are for each service you choose to use. In some cases they have wellness visits that they think are mandatory for individuals and these are normally 100 percent covered. Mammograms are an example of this.

Included in most policies are a list of separate types of benefits that you may want to use and if they are not someone like a medical doctor they have different percentages or flat co-pays that each person pays listed as well as what will be covered under each policy. This means you pay part of it and the insurance company normally pays the other part of the bill. This is how it works with a Specialist.

2. Sometimes I get a bill months after I have received treatment. Why?

Here are some reasons:

A) Doctors normally have up to one year to file claims for services that you have received. Your bill may have not been sent out in a timely manner or may have been billed improperly and re-billed. You can always ask any doctor’s office if the billing will be sent out right away or if it will take a while. At any time, you can contact your insurance company to see if the bill has been processed.

B) Insurance companies can take 30-90 to process a claim and many times, they ask for additional information or may have a birthdate error or other problem that needs to be resolved. There have been times when bills were paid over a year after claims were submitted.

C) Sometimes claims are sent out, paid and then the insurance company comes back and rescinds the payment and denies the service. This can be up to one year after the visit has occurred. Often times providers will fight to get the claim re-paid since it is no fault of the patient or the facility. If it is not a possibility then a patient could receive a bill. Please be sure to keep any doctor appraised if you insurance has changed or you have received correspondence from your insurance company stating problems with billing.

3. What is the difference between a deductible and a copay?

A deductible is a fixed amount you pay each year before your health insurance starts to pay claims. Once you have paid off your deductible, then your copay is applied and your insurance company covers a portion of your claim. Normally this deductible starts in January and ends in December of each year, resetting again for the next year. Here is an example:

– You have a $2,000 deductible, you visit a doctor and have $200 worth in claims. You pay the $200 and it is deducted from the total of $2,000. You now have $1,800 left on your yearly deductible before insurance begins to pay anything out.