Financial Policy for Chiropractic
There are many variables to consider in today’s health care market such as whether a physician is in network vs. out of network, yearly deductibles, copays and the number of office visits/treatments allowed under your policy. It is for this reason that we accept only certain Group Insurance policies as well as providing a Personal Pay option.
Group Insurance: Aetna, Cigna & United HealthCare
We are happy to check what your insurance benefits are and how they would apply to our services. Patients today are frequently discovering that while their health insurance premiums are forever increasing, their deductibles are also increasing, and what their plan covers is less and less. This raises the question “Why am I paying for an insurance policy when it’s so expensive and covers little?”. For this reason, Alternative HealthCare of Parker offers a Personal Pay option.
A frequent option when insurance is not a consideration. A half hour consultation is required to discuss your health concerns. If available, prior medical records, x-rays, MRI, etc. are reviewed. Depending upon your injury and length of time it takes to treat, a reasonable fee schedule is discussed with you before you decide to proceed. The half hour consultation fee is $95.00, which is then applied to your treatment program cost.
Auto Accident Injuries
It is estimated that a person is involved in approximately 5 auto accidents in their lifetime. This results in either significant, acute injuries, or an accumulation of injuries and symptoms over time. Colorado law mandates that automobile insurance companies (e.g. State Farm, GEICO, Farmers, Allstate, Progressive, Hartford and others) offer a minimum of $5,000 medical payment (med-pay) coverage on all policies issued, and you are covered at 100%. This means there is no deductible or co-payment involved in automobile coverage. Depending on your purchased policy options you may higher benefits coverage of $10,000, $25,000, $50,000 or $100,000 med-pay coverage for injuries you have sustained.
Dr. Paul Kulpan is a Motor Vehicle Accident (MVA) specialist with 34 years experience in the diagnosis and treatment of whiplash and spinal injuries. He is an advanced graduate of the Spine Research Institute of San Diego, one of only fifteen in Colorado. It is critical that you receive correct diagnosis and treatment of your injuries. It is also critical that your financial care is handled professionally for your MVA injuries in relationship with working with your insurance company and/or attorney. Highly experienced personal injury attorney referrals are available, if necessary.