Payment Options
At Skaggs Chiropractic, LLC, we understand that you have a choice where you get your care. At a time when many chiropractic clinics in the area are going to a cash basis only, we continue to strive and work with insurance companies to make chiropractic care affordable for all our patients. We have options for patients with insurance and those without coverage. Our office participates with most major insurance companies. For patients with little or no chiropractic insurance coverage, we offer several options including flexible payment programs.
Many of our patients discover that chiropractic care is extremely cost effective; many of our patients have been with us for several generations.
Cash Option
Option #1 is always cash. Because some insurance companies have become difficult to deal with, many chiropractic clinics have gone to a cash basis only. Our office will accept cash, major credit cards or personal or corporate checks.
Discounted Medical Plans
We are members of ChirohealthUSA which allows us to give you a discount on our chiropractic services for out-of-network and cash patients. There is a $49 annual fee covering you and your entire family living under the same roof for discounts on the care. Beware there are other discount plans out there and others can be costly in comparison.
Health Insurance
Why do they call it health insurance when you only use it when you are sick? If your policy was insured in the State of Missouri you should have 26 visits covered by your insurance plan. The amount of your coverage may be limited by a dollar amount per visit and most often accompanied by a Co-pay. Your plan may only cover a percentage of the cost per visit. There may be a cap on the cost per visit covered. Then there is a deductible which is the amount you must pay for covered healthcare services before your insurance plan starts to pay. Co-pay is a fixed amount the patient contributes for a covered healthcare services after your deductable has be met.
You should always contact your insurance company to verify your coverage prior to any visit. There should be a 1-800 number on your insurance card. Contacting your insurance company prior to your visit to ascertain how much your care will cost. We are In-Network with most major insurance companies; you can contact our office or your insurance carrier to find out if we are In-Network. Please be made aware your insurance company wants you to go to In-Network providers only because it saves them money. It is very rare that your insurance will cover the entire expense of your care.
Health Savings Accounts (HAS) or Flexible Spending Account (FSA)
These accounts consist of moneys you have set aside for the expressed use of healthcare. They consist of pre-taxable funds to cover the cost of your care. You will need to verify with your insurance administrator to see if your plan offers this options through your policy.
Auto Accidents
We accept patients involved in automotive accidents. We will work with your insurance company or most attorneys in the area and wait until your accident has settled to receive payment for our services. Our services are covered by a lien, that lien insures that we will be paid.
Many lessons have been learned in 28 years of being in business. We have learned that there are law firms you simply can’t work with. Then we have learned that there are some insurance companies you don’t want to deal with without the aid of a law firm. So if you are represented by an attorney please let us know in advance.
Workman's Compensation
Yes, we will work with your employer or their insurance company for your recovery. Before we can see you for a workmen’s comp claim we must have your employer’s written permission, otherwise the cost of care is the patient’s responsibility.
Payment Plans
If you have no insurance or even if you have coverage but have a high deductible we can set the patient on a payment plan that will make care affordable. Please feel free to discuss this option with Dr. Skaggs.
CareCredit
We no longer offer this option.
Recent No-Surprises Legislation
There are some insurance companies we are not partnered or considered out of network. Because we are not in-network, we can’t provide information as to what your health plan will cover. We can only give you a good faith estimate of the cost of your care. That amount is only an estimate: it isn’t an offer or contract for services. This means the final cost of services may be different than this estimate. It is your responsibility to contact your health plan to find out how much, if any, your plan will cover and how much you may have to pay. We will do whatever we can to limit any surprises.
While we are not the most expensive chiropractic clinic in the area, we are not the cheapest and we do not provide cheap chiropractic care. Your health is your greatest asset! Your health is an investment of both time and money; take care of health and yourself. Without health you have nothing!
