Insurance 101

Understanding your insurance coverage for chiropractic care can be confusing. Here is a straightforward guide to the most common questions we receive.

Does insurance cover chiropractic? Most major medical insurance plans include chiropractic benefits. This includes Blue Cross Blue Shield, Aetna, Cigna, United Healthcare, Premera, and Regence. Coverage varies by plan.

Key terms to know: - Copay: A fixed amount you pay per visit (e.g., $30) - Deductible: Amount you must pay before insurance kicks in - Coinsurance: Your percentage after the deductible (e.g., 20%) - Visit limit: Some plans cap the number of visits per year - Authorization: Some plans require pre-approval

What we recommend: 1. Call the number on the back of your insurance card 2. Ask: "Do I have chiropractic benefits?" 3. Ask: "What is my copay or coinsurance for chiropractic?" 4. Ask: "Is there a visit limit?" 5. Ask: "Do I need a referral or prior authorization?"

At Helix Sport + Spine: We verify your benefits before your first visit and provide transparent cost estimates. We are in-network with most major carriers. For patients without insurance or with high deductibles, we offer competitive self-pay rates.

Do not let insurance confusion prevent you from getting the care you need. Our front desk team is happy to help you understand your benefits.