Insurance and Payment

What we accept, how auto claims work, and what to ask before your first visit.

A clinician reviewing notes with a seated patient

We accept insurance, and you should still call first

We bill insurance for chiropractic care. What varies enormously is what your particular plan covers, how many visits a year it allows, whether it wants a deductible met first and whether it treats maintenance care differently from active treatment. Two patients with the same insurer can have very different coverage.

Call the clinic at 918-615-3433 with your card in hand before your first visit and we will help you find out what applies. It is a five minute call that avoids a surprise on the statement.

After a car accident, the billing works differently

Care after a collision is usually not billed to your health insurance. It goes to auto insurance, to a third-party liability claim against the at-fault driver, or to a letter of protection through your attorney. We handle all three.

Bring the claim number, the adjuster name and phone number, and the police report if you have it. Auto claims are documentation-heavy: the injury has to be recorded properly, connected to the collision and tracked over the course of treatment. Getting that right protects your claim, and it is part of what we do on an auto injury case.

CareCredit for what insurance does not cover

CareCredit is a health care credit card that lets you spread the cost of treatment over time. We accept it, and it is often the practical route for the medical wellness services that health plans rarely cover, such as hormone optimization, Botox, skin resurfacing and some wellness injections. You apply directly with CareCredit rather than through us.

What we take

Insurance, auto insurance, third-party and liability claims, CareCredit, Visa, Mastercard, American Express, Discover, cash and check.

We accept

InsuranceAuto insuranceThird party / liabilityCareCreditVisaMastercardAmerican ExpressDiscoverCashCheck

Paying without insurance

Plenty of patients pay directly, either because their plan excludes chiropractic or because the deductible makes self-pay simpler. Ask us for the cost of the specific care you need when you call, and ask before the first visit rather than after. We would rather talk about money up front than have it become a reason someone stops treatment halfway through.

Why the cost of a visit varies

A first appointment costs more than a follow-up because it includes the history, the examination and the report of findings. Visits that add spinal decompression or massage therapy are billed differently from an adjustment alone. Medical wellness services such as hormone work, injections and aesthetic treatments are priced separately again and are rarely covered by a health plan.

Questions worth asking your insurer

Ask how many chiropractic visits your plan allows per calendar year, whether your deductible applies, what your copay or coinsurance is for a chiropractic visit, whether massage therapy is covered when it is part of a treatment plan, and whether the plan requires a referral. Write the answers down with the date and the name of the person you spoke to.

If your claim or coverage changes mid-treatment

Tell us as soon as it happens. Plans reset at the start of the calendar year, visit allowances run out, and auto claims get settled or denied partway through a course of care. None of those has to stop your treatment, but all of them change how the visit is billed, and finding out late is what turns a manageable balance into an unpleasant one. A quick call to the front desk is enough.

Call 918-615-3433 and we will walk through your coverage with you.

The information on this site is general and is not medical advice. It does not replace a consultation with a licensed provider. Individual results vary.

Have a question about coverage?

Call the clinic with your insurance card and we will help you check.

Call the clinic Call 918-615-3433