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Category: car accident insurance

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Payment Options for Chiropractic Care – Davenport, Florida

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Chiropractic Care: Payment Options

Are you experiencing pain, discomfort, or decreased mobility? Whatever the cause or if you are unsure, you should seek chiropractic care. This care is 100% natural and has many benefits. What are they?

As previously stated, chiropractic care is natural. It involves manual therapy, also known as hand therapy. A chiropractor may use an MRI or x-rays to diagnose a problem, but that is it. Therapeutic massages, fusions, alignments, and adjustments are done with the hands and precision force. Chiropractors believe that pain needs to stop, but they do more than just mask the pain with medication. In fact, they do not prescribe medication. Instead, they go directly to the source and fix the problem.

If you like the sound of chiropractic care, you may be ready to seek relief. You will want to call and schedule an appointment with a local care provider, but what about payment. How will you pay for treatment? It depends on the care center in question, but you should have a number of options.

Before worrying about how you intend to pay for a chiropractor, consider insurance. Do you have health insurance? If so, contact your insurance provider immediately. Many insurance providers are now embracing chiropractic care. They realize the benefits and decreased costs of natural relief. If your insurance coverage includes chiropractors, examine your options. Are you free to choose any provider that accepts your insurance or must you opt for a special in-network doctor?

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If you have medical coverage, determine how much is covered. You may be required to pay 20% of the bill or have an affordable $10 co-pay. If you do not have medical coverage, you will need to cover the entire cost yourself and out-of-pocket. What are your options?

Personal checks. Most chiropractors do accept personal checks as a method of payment. They realize that consumers prefer these checks to carrying around cash. Checks are ideal, as you receive an additional receipt. There is record that you paid your bill.

Credit cards. Not all chiropractors accept credit cards as a method of payment. This is usually due to fees. Credit cards fees can be costly. If your care provider does accept credit cards, only use them as a last resort. The cost of treatment can significantly increase with high interest rates and late fees.

Debit cards. If a chiropractor accepts credit cards, they should also accept debit cards, also known as bank cards. These cards will need to be processed as credit, but the funds will be withdrawn from your bank immediately. If you rarely carry personal checks, a debit card is a quick and easy way to pay for treatment.

Cash. All chiropractors should accept cash. They are ideal for low amounts, such as when you are only responsible for an insurance co-pay. Most chiropractic treatments are affordable. Unless paying an overdue balance, you will not need to have thousands of dollars on hand. If you are unsure which methods of payment your provider accepts, always bring cash.

You now know what forms of payment most chiropractors accept, but you may have affordability concerns. How will you pay your bills?

In full. Most chiropractors require payment made in full after each appointment. As previously stated, this will not be high. A little bit of planning and preparation can do the trick. At your first appointment, your chiropractor may recommend a later appointment for a therapeutic massage or adjustment. Inquire about costs. You will only get an estimate, but you should have a week or two to save that money.

Payment plan. As previously stated, most chiropractors prefer payment in full after each appointment. This lowers their risk of losing money. There may be some exceptions, especially with long-term care. If you need treatment, like if you are in severe pain and your chiropractor knows this, they may be willing to make an exception. That exception could include monthly or weekly payment plans.

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Only 14 Days After Your Car Accident – That’s It

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Auto Accident | 14 days, Car Accident, PIP |

In The State of Florida, You Have 14 Days to Get Treatment… VERY IMPORTANT! If you are in an accident as a Floridian, it is very important to be aware that state law says you must have personal injury protection (PIP) or no fault coverage as part of your car insurance policy in the state of Florida. Simply put, if you purchase mandatory coverage, your insurance company will pay for 80% of the first $10,000 of your medical expenses if you suffer from an emergency medical condition in a car accident, and $2,500 if you do not.

Insurance Advice: Required coverage under the law also covers destruction to property like if you smash another automobile. Required coverage does not cover physical damage to the other driver if you do not purchase bodily liability in your auto insurance policy.

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For those who don’t know the law it has recently been changed & now has a touchy new stipulation. Residents of the state of Florida only have 14 days to get treatment after an auto accident. This is commonly know as “the 14 day rule,” and is distinctive to the state of Florida.

What is an initial treatment and what does it include?The 14 day rule applies to initial treatment only. Initial treatment is the first medical professional who evaluates you for your car accident injuries following an auto accident.

The law indicates which medical professionals count as initial treaters:

• Dentists • Emergency Transports (EMT) • Chiropractors (DC) • Hospitals • Medical Doctors (MD) • Walk-in Clinics

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This means that if you treat with a physical therapist, massage therapist, or other medical professional not listed above for your initial treatment during the 14 days following your car accident, then the insurance would not be required to cover the medical bills for treatment needed as a result of the car accident.

Insurance Advice: If you do not seek medical treatment within the 14 day window following your car accident, you will forfeit use of the motorist’s PIP coverage. Insurance companies are no longer required by law to cover the medical expenses of those who wait to get treated, regardless if symptoms manifest after 14 days.

How does the law define what is and is not an emergency medical condition (EMC)?The statute regarding EMC is not clear and as a result can be frustrating, but the impact is big. Your treating medical professional will check whether you have suffered an EMC. If they decide you have, you will receive up to $10,000 in PIP benefits. If they decide you have not, you will recover $2,500 in PIP benefits. The initial treating medical professional does not have to make this decision nor does it need to be made within the 14 days following the accident. In fact, the decision can be rendered at any time following the accident.

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Who may opine an EMC?Medical doctors, DO, PA, and advanced registered nurse practitioners may all render an EMC for you. It’s important to keep in mind Chiropractors cannot. A Chiropractor may state their patient has not suffered an EMC, but again, cannot affirm an EMC is present.

This part of the law is confusing to the majority, as it doesn’t really add up, and was enacted about a minute prior to resetting the law. A challenge to this rule is before the appellate courts in hopes of enacting change.

Injured In a Car Accident? Call Ridge Chiropractic Today!Call immediately to schedule chiropractic care if you have been involved in a car accident. A chiropractor will develop a treatment plan if necessary based upon varying factors of your current state of health, including whether you have been involved in a auto wreck, job injury, slip and fall, athletic injury, or any other incident.

At Ridge Chiropractic we offer a wide range of services and treatment modalities including spinal care and massage therapy by a certified massage therapist. Call (863) 421-9700 to schedule your free consultation for chiropractic care at Ridge Chiropractic.

Legal Disclaimer: Please note: Ridge Chiropractic is not a legal referral service and provide medical services only. Note: Ridge Chiropractic is not responsible for the outcome of your legal case, nor any relationship you may have with an attorney for any reason.

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The Insurance Process For Auto Accidents

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Who is your Insurance Company?

We work with most insurance companies to provide chiropractic and Physical Therapy and Occupational Therapy care including, Geico Insurance, Progressive Insurance, State Farm Insurance, USAA Insurance and Essurance.

If you have another company just give us a call. We probably work with them also.

The insurance process for auto accidents can be complicated, which is why our team is trained to assist you all the way through it, detailing your benefits every step of the way. We make sure you get the proper tests and procedures as well as work with your MD to assure we’re all on the same page for your care.

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