Do you work with any types of insurance?
Three primary categories of insurance come to mind when this question is raised - Auto Insurance, Traditional Health Insurance (Blue Cross Blue Shield, etc.), and Christian Health Sharing Ministries. Click below to learn more about how we work with each option.
If you are in the unfortunate situation of having been in a car accident, we’re really sorry. Our brain-based care coupled with our doctor’s post-doctorate education in concussion rehab is an ideal method for recovery in this situation, and we’re able to help you in a way that other providers in this area are not. We can work collaboratively with other chiropractors or health care providers, or you can work exclusively with us depending on your auto insurance medical coverage. For auto insurance cases, our Financial Manager works directly with the insurance adjuster and directly bills the insurance company paying for the damages. In many cases, Lifestream’s doctor-directed manual/massage therapy, performed by one of our certified Massage Therapists, is part of the rehab your auto insurance company will cover. As long we have all of the requested documentation and information from you prior to your exam with us, we’ll be able to directly bill your insurance company from the get-go.
Every plan is different, and we offer our patients tools to assist them in this process. Some of our patients choose to submit receipts for their care with us to their insurance company for reimbursement. We don't bill directly to health insurance companies, and here are a few of the reasons why:
- LIMITATIONS ON TREATMENT WE CAN PROVIDE. They limit how often and for what purpose we can treat you (for example, many times they only allow providers to treat for the primary complaint, even if other issues are discovered during care. If you’re seen for other issues, many insurance companies only allow the primary complaint to be treated, then you must pay the rate we would bill your insurance company for – which is usually 3-5x higher than you pay now).
- LIKELIHOOD OF UNETHICAL PRACTICE. If we were in network, we would be bound by contract to not be able to offer any of our in-network services for a lower price than we bill insurance for – did we mention that’s much higher than our cash prices? Example: The first 8 visits might be covered by insurance (after you pay your copay…which, by the way, is probably about what you’re paying cash for an adjustment), but now, for the rest of the year, instead of paying a cash-based price, we are required to charge you whatever the cost per visit is that we’d bill your insurance company, or we’re practicing unethically and outside of our contract (which many providers choose to do).
- MANY OF OUR SERVICES ARE NOT COVERED BY INSURANCE. PERIOD. Many of the treatments and services we provide are not ever covered by insurance (functional neurology, low level laser sessions, nutrition consultations, etc.).
- OUR CHIROPRACTIC TREATMENT IS ABOUT THE COST OF MOST COPAYS. This means for chiropractic care, you’d be paying about the same price anyway, with or without insurance coverage.