Insurance & Payment

If You Plan to Use Insurance: Questions to Ask Your Insurer

We accept all major insurance plans. Call our office at (913) 424-2410 to confirm your coverage before your visit.

Your insurance company is the final word on what your plan covers. The number is usually on the back of your member card. These questions can help you get a clear answer.

• Does my plan cover chiropractic care?
• Does my plan cover physiotherapy or rehabilitation services, and are they covered differently from chiropractic care?
• Is there a limit on the number of visits my plan covers each year?
• Do I need a referral or prior authorization before my first visit?
• What is my deductible, and how much of it have I already met this year?
• What copay or coinsurance applies to chiropractic or physiotherapy visits?
• What is my out-of-pocket maximum?
• Is a telemedicine visit covered the same way as an in-person visit?

Tip: write down the date of the call, the name of the person you spoke with, and any reference number they give you.

Insurance Terms, Explained

General definitions to help you read your plan documents. Your own plan's terms always apply.

Deductible

The amount you pay for covered services each plan year before your insurance starts to share the cost.

Copay

A fixed amount your plan sets for a covered visit or service. Your plan documents list the amount that applies to you.

Coinsurance

Your share of the cost of a covered service, shown as a percentage. It usually applies after you have met your deductible, and your plan pays the rest.

Out-of-pocket maximum

The most you would pay for covered services in a plan year. Once you reach it, your plan typically pays for covered services for the rest of that year.

Prior authorization

Approval some plans require before certain services are covered. Your insurer can tell you whether it applies to the care you are planning.

Explanation of Benefits (EOB)

A statement from your insurance company describing how a claim was processed. It is not a bill.