Insurance Explained

Traditional Insurance:

This is either an HMO, PPO or Indemnity Plan where the patient pays a co-pay, a percent of the office charge, a deductible, or a combination. These must be paid at the time services are rendered in order for the insurance plan to pick up the difference.

It should be noted that as of March 1, 2006, North Carolina has mandated that Chiropractic care will have the same co-pay as a Primary Care Physician and will not be considered a specialist co-pay. Please check with your plan to see if you are affected.

Unfortunately, The House repealed this Co-pay law that made Chiropractic care more affordable for patients seeking to have lower health care costs.

February 07, 2009

The N.C. House of Representatives introduced a bill last week that will reenact the co-pay equity provision of 2005. House Bill 14 will again make chiropractic co-pays affordable by making them equal to the co-pays of primary care physicians.

THIS BILL WILL NOT PASS WITHOUT SUPPORT OF THE PATIENTS, SO CALL YOUR REPRESENTATIVES AND DEMAND THAT THEY MAKE THE COPAYS MORE AFFORDABLE.

The Current Status of House Bill 14

www.ncleg.net/gascripts/billlookup/billlookup.pl?Session=2009

Automobile Insurance:

Liability Insurance is the insurance available to pay for injuries sustained in an automobile accident which was not your fault. (This is the insurance that is on the other vehicle.)

Med Pay is the insurance on your vehicle which will pay for injuries, up to a certain amount, when you are involved in an accident. Making a claim on this does not cause your insurance rates to increase. Some policies have this, others do not, please check to see if your policy has Med Pay coverage. (This is the insurance on your vehicle.)

Worker's Compensation:

Worker's Compensation is accepted by the Clinic. Please call the clinic for details at (704) 541-7111.

Medicare:

We are a provider for Medicare but we do not accept assignment. The patient is responsible for the charges and pays at the time of service. The only item that Medicare will reimburse for in Chiropractic offices is manipulation. The patient is reimbursed by Medicare.