Navigating health insurance can be complex. At Chiropractic Care Clinic, we're committed to helping you understand your coverage and maximize your benefits. Dr. Elaine McNally and our staff work diligently to ensure a clear, straightforward insurance experience.

Insurance Plans We Accept

Major Insurance Providers

We proudly participate with most major insurance carriers, including:

Blue Cross Blue Shield Networks

• PPO Plans
• HMO Plans (with referral)
• Federal Employee Program
• Out-of-State Blues Plans

Government Programs

• Medicare
• Tricare
• Veterans Programs
• Federal Employee Health Benefits

Other Major Carriers

• Aetna
• Cigna
• United Healthcare
• [Other regional carriers]

Understanding Your Benefits

Coverage Verification

Before your first visit, our experienced staff will:

• Verify your chiropractic benefits
• Check coverage limitations
• Confirm referral requirements
• Explain your financial responsibility

As Patricia Lykes notes: "Staff is very courteous and professional. They handle everything appropriately."

Common Insurance Terms Explained

Deductibles

Your deductible is the amount you must pay before insurance coverage begins. We'll clearly explain:

• Your current deductible status
• How payments apply
• When coverage kicks in

Copayments

These are fixed amounts due at each visit. We'll inform you of:

• Required copayment amounts
• Payment timing
• Coverage limitations

Coinsurance

Your share of costs after meeting your deductible. We explain:

• Percentage responsibilities
• Payment calculations
• Coverage maximums

Medicare Coverage

Medicare Guidelines

Medicare coverage for chiropractic care includes:

• Spinal manipulation for documented conditions
• Medical necessity requirements
• Coverage limitations
• Documentation needs

Workers' Compensation

Work-Related Injuries

We handle all aspects of workers' compensation cases:

• Direct insurance billing
• Required documentation
• Progress reporting
• Return-to-work coordination

Auto Accident Coverage

Personal Injury Claims

For auto accident cases, we:

• Work with auto insurance carriers
• Coordinate with attorneys
• Maintain detailed records
• Provide necessary documentation

Secondary Insurance

Coordination of Benefits

We handle secondary insurance claims to:

• Maximize your coverage
• Reduce out-of-pocket costs
• Ensure proper billing
• Process all claims efficiently

Insurance Changes

Maintaining Coverage

If your insurance changes:

• Notify us immediately
• Provide new information
• Allow benefit verification
• Discuss coverage differences

Out-of-Network Benefits

Coverage Options

For out-of-network situations:

• We check available benefits
• Explain coverage differences
• Discuss payment options
• Provide necessary documentation

Insurance Documentation

Record Keeping

We maintain detailed records for:

• Insurance submissions
• Treatment documentation
• Progress reporting
• Coverage verification

Patient Advocacy

Working For You

Our staff advocates for your coverage by:

• Appealing denied claims
• Requesting authorizations
• Following up on payments
• Addressing coverage issues

Financial Options

Beyond Insurance

When insurance doesn't cover all costs:

• Payment plans available
• Care Credit financing
• Flexible payment options
• Affordable care solutions

Coverage Questions

Our experienced staff is ready to help with:

• Benefit explanations
• Coverage questions
• Payment arrangements
• Insurance concerns

Take Action Today

Don't let insurance confusion delay your care. Contact our office to verify your coverage and begin your journey to better health. As Kevin Bell shares: "Very knowledgeable and helpful. They make understanding the financial aspect straightforward."