Deductibles have been reset for 2017. What does that mean? Each calendar year if you have a deductible they are reset and start over on 1/1. Here is some more information on the deductibles. If you have any questions, please call our office, we’d be happy to answer any questions you may have.
What is a deductible?
A specified dollar amount payable by the patient for certain covered services received during the benefit period.
Typically the deductible will need to be met prior to any benefits being paid by the insurance company.
What is a copayment?
A specified dollar amount payable by the patient for certain covered services. Payment of the copayment amount is due at the time of service.
Copayment amounts do not apply toward the deductible or coinsurance maximum amounts.
What is coinsurance?
A percentage of the allowed charge for covered services that are the patient’s responsibility.
Example: The charge is $68, your co-pay is $20, if your coinsurance 20%, that would be 20% of the balance, $48. Total patient responsibility would be $29.60 ($20 co-pay, $9.60 coinsurance)
Do I pay at the time of service?
If we are filing an insurance claim on your behalf, your deductible, co-pay and/or co-insurance will be due at the time of service.
We do our best to estimate the cost of care at that time, but any remaining balance after insurance has processed will be your responsibility and an invoice will be sent to you.
Do you offer any kind of discount?
We can’t offer a discount for services, but do offer ChiroHealth USA. A membership based discount program. For the membership fee of $49 per 12 month period, you and your dependents would qualify for a 30% discount on our most used services. Please ask us for more information.
What Insurance companies are you “In Network” for?
Venture Chiropractic is “In Network” for BCBS, Sanford, and Medicare Insurance subscribers.
We do take and will file for many other insurance companies, but your benefits would be “Out of Network”. We’d be happy to look those benefits up for you or you could contact your insurance company.