Living Well Chiropractic does not bill insurance directly; we will assist you in filing insurance claims by providing you with an insurance bill that you can send to your insurance company for reimbursement.
Payment for office fees are due at the time of service and can be paid in the form of cash, check or credit card.
Your insurance coverage will vary by company and policy type. If you plan on submitting for insurance reimbursement it is important that you verify your coverage. Living Well Chiropractic is NOT a participating provider with any HMO’s, PPO’s, Kaiser or Medicare.
If you have any further questions regarding our policies for insurance payments, please do not hesitate to call us at (412) 727-6960 .
Why don’t we take insurance?
Living Well Chiropractic has always been and will always be an Independent office. There are many reasons why we have chosen to remain an Independent office that is NOT networked with any insurance plans, HMO’s and PPO’s.
Our patients are not exclusive to only one insurance company.
We cannot afford to belong to ALL of the Insurance Plans that are out there, and there is no fair way for us to decide which plans we should belong to that would be most beneficial to our patients. Our patients belong to many different plans, only some of which cover chiropractic care, and many of our patients do not have any insurance coverage.
Budget and time constraints…
In order to be a provider member of an insurance program each insurance company has separate requirements that the providers must meet. Some require extensive malpractice coverage, coverage that is above and beyond the usual needs of a doctor of chiropractic, which would become more money in overhead costs that we would have to pass on to our patients.
Others require you to take continuing education classes that they have chosen, classes that do not apply to the continuing education credits that are required of chiropractors for chiropractic licensure, costing our office hundreds of dollars more a year per insurance program we belonged to and requiring the doctor to be away from the office more in order to attend these classes.
Some require that you accept a much lower fee than that which is usual and customary for your profession creating the need to set patients up on treatment plans in order to recover expenses. Others only allow for a small number of visits per year and require a mountain of paperwork for those visits.
We would also be dependent on their determination of payment, not only in amount of payment but in timeliness as well. How do we pay our office costs when the insurance company is late with or holding up on payment for services? We are not a large office with many doctors and therapists, so if Dr. Bryant doesn’t get paid, no money is coming in to the office. And many require the submission of much more paperwork than would seem reasonable causing the need for us to hire more office personnel and therefore the need to pass that added expense on to you, our patients.
Unnecessary involvement of gatekeepers…
And most importantly many Insurance Programs require that you obtain a physician referral before seeking specialist care. We feel that diagnosing chiropractic needs is a specialty only a chiropractor can accomplish. Physicians are not trained in any way to diagnose what can and cannot be treated and relieved through chiropractic. Furthermore, although some physicians are slowly becoming more accepting of what the medical profession refers to as “alternative” healthcare, most physicians still refuse to refer their patients to chiropractors.
At Living Well Chiropractic, we have found that in order to provide the type of practice our patients deserve, keep the costs of our care affordable, and treat all of our patients equally regardless of insurance coverage, we must remain an independent office.
Thank you to Dormont Chiropratic for their language about being an Independent office, much of it is quoted above.