Dr. Charles R. Dixon, D.C., F.A.S.A. ~ 903-849-2200
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Zero Interest In_House_Financing Spinal Decompression: A Treatment for serious cases of Neck or Low Back Pain. Chronic_ Muscle_ Pain and Tightness? - Try Active_ Muscle_Release |
Insurance Generally speaking your insurance pays when you have a new or existing health problem thats why we say it is really "sick" care insurance. It never covers "wellness" care. If you have a health problem there is a good chance your insurance will help you pay for the care you need here at our office. Nowadays though you often have higher deductibles than ever before and often your co-pay may be more than our cash price for an adjustment. Generally insurance won't pay for Acupuncture, but sometimes they surprise us. Usually they cover the Traction based Spinal Decompression but sometimes they throw a fit and refuse. They almost always cover your spinal core strengthening program. We try to do as much during the visit as we can so you have less visits, like doing spinal decompression for 30 minutes then doing 30 minutes of stretching and core strength exercises all on the same visit. This definitely takes longer but you have only one co-pay that way. The HSAs (Healthcare Savings Accounts) allow you to see almost any provider for any approved reason, even things not necessarily covered by your insurance. Like covering massage with a doctors prescription under your HSA but not actually paying for it if the doctor bills for the same treatment after your deductible has been met. (see your plan for details). We are happy to accept your HSA card for payment. Please realize 2 things. 1. It is your responsibility to know what is covered in your HSA, they are all different and they won't tell us, just you, so we do not call to verify those benefits you do. 2. When it comes to Acupuncture it should be covered by your HSA but sometimes it is not. We can bill it and see but it is you that has to deal with it later if they don't like it and the HSA sometimes wants your receipt later so hang on to it! The receipt you get for the HSA charge will be off of the regular credit card machine and it is the only one you will get, our copy goes with our accountant and can never be reprinted or a copy made. This is important to you because HSA expenses go toward your deductible and you might have to turn that receipt in later, see your plan for details. Now when it comes to you needing treatment for a health problem like headaches, back pain, neck pain, TMJ disfunction, pain down the arm or leg etc. etc. etc. We are most likely IN NETWORK. Not all networks are good for us to be in though. Some will not pay and that leaves you with a big unexpected bill, UNITED is SOOOOO like that and them refusing to cover your legitimate claims for years and years finally caused us to leave the United network - but guess what! It is cheaper for you now than when we were "in network" because now we can pass on great discounts whereas before that was against the agreement/contract we signed - they could actually accuse us of fraud if we didn't come after you for the full bill after they refused to pay, yes they left you responsible after you paid your copay! WE WILL FILE YOUR INSURANCE, INCLUDING MEDICARE. We won't /can't file bills for services where you have received special discounts. If you are coming to us for headaches or a pain related problem it is likely that your insurance will cover some of the charges. If you plan to use it we will need to verify the coverage BEFORE you visit the office or you should expect to pay all charges in full and later be reimbursed for what your insurance covers. It is unfortunate but no insurance card can be taken for face value. Every company has to be called to verify their coverage and we have to document that call so when they try to refuse payment later (a common stall tactic among insurance companies) we have the name and contact date/time of the verification. We can not usually do this during your visit so we have to have the card ahead of time. Our fax is 903-849-2600 - please call before you fax or the machine may not accept your transmission. Medicare is different in that they will cover only a Chiropractic Adjustment- nothing else at all, ever. Everything else is out of pocket since most secondary insurance only pays a difference on the charge Medicare does pay - not the things they don't pay. We offer very, very reasonable rates for things not covered. If you have no insurance coverage or if you are not covered for Chiropractic/Acupuncture treatment we offer a 30% discount when payment is made on the same day services are rendered (same as the ETMC Hospital and ETMC Clinics do)
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Dr. Charles R. Dixon, D.C., F.A.S.A. ~ 903-849-2200 |