All patients are responsible to know their insurance benefits such as deductible, co-pays, and maximum visits allowed. Consult your employer or subscriber services for more information. The insurance company will tell you that an explanation of benefits is not a guarantee that they will cover your care. The contract with insurance is between you (or your place of employment) and the insurance company. Hometown Chiropractic is simply a third party who will bill the insurance company on your behalf.
We do our best to get the most accurate information in regards to your insurance coverage, but ultimately it is up to your insurance company to decide what portion of your care is to be covered. A detailed list of questions to ask your insurance company about your policy is available upon request.
We participate with the following Insurance companies and programs:
Blue Cross Blue Shield of Michigan
Meridian Health Plan
Optum Health plans
United Health Care
Please be sure to notify us of any changes in your health coverage, including co-pay or the number of available sessions you may have used with another provider.
You are responsible for any charges not paid by your insurance including deductibles, co-payments, and non-covered services. If a particular service is not covered that we provide, you will be notified before the service takes place.
Most insurance companies are requiring an examination every thirty days to determine the need for care. Depending on your insurance policy, you may or may not have coverage for these exams even though they are required.
We submit all claims to insurance weekly. Depending on the insurance company information regarding a claim is typically available within 2-6 weeks. Because of this process, actual patient responsibility may not be available until the insurance Explanation of Benefits is received by your insurance company.