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New Year, New Health Insurance Plan

Updated: Apr 1, 2019

By Kelsey Schwab, Billing Manager

For most patients, January 1st marks the start of either a new insurance plan or a restart of your deductible. We make every effort to check your insurance, provide you with your options, and bill your insurance if it makes sense.  Because we are out-of-network with all insurance companies, this process may look slightly different from your other doctor’s visits.

With out-of-network insurance, there is usually a deductible that must be met and collected before the insurance company will pay for services. After that, your insurance company will cover a percentage of your care and you will be responsible for the rest.

Why are we out-of-network? One of the biggest differences between out-of-network and in-network providers is that your treatment plan and appointment length is dictated by the doctor rather than the insurance company. As a result, out-of-network providers are able to spend more time with patients and consequently provide elite, specialty and focused care. Because of the quality of care, patients may notice a faster recovery and fewer overall treatments. Out-of-networks providers also tend to attain advance certifications. Our chiropractors are certified in Pediatric, Prenatal, and Sports Chiropractic.

We know insurance can be confusing and we are here to make it as useful and easy as possible. Remember, you can use your HSA to pay for visits until you meet your deductible. And in some cases, your deductible may be high enough that we will advise you to pay our time-of-service rates instead of billing insurance!

Make sure to have one of our helpful front desk staff take a copy of card and check your insurance on your first visit of the year! You can also email with a copy of your card and we can let you know before you come in.

Kelsey Schwab is the billing manager at Washington Park Chiropractic. She grew up in the fountainhead of Chiropractic, Davenport, Iowa. She has been a chiropractic patient all of her life and is an advocate for doctors of chiropractic.


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