We do try to work with our patients so that they can afford the care that they need, even if the insurance doesn't cover it. Our goal is to help our Council Bluffs IA community be healthier and happier. That's why we treat your spine with your whole body in mind.

We get this question all the time in our office and the answer is a definite maybe. We are contracted with many of the major insurance companies in our area including Medicare, Iowa Total Care, Amerigroup, BCBS, Atena, Midlands Choice, Cigna, United Health Care, and many others.

What does my insurance cover at your office in Council Bluffs IA?

As an office, we have NO control over what they cover. Even when we verify your benefits before your appointment, it is not a guarantee of coverage and what they tell us may not be correct. The only way we know for sure what is covered is after we submit your claim and then get a response from the insurance company.

Instead of our regular charges, these patients get lower rates that have been negotiated with the insurance companies. As an example, our regular price for a 98941 adjustment is $80. With BCBS, the negotiated fee is $44. Patients also may have that fee covered by their insurance but this depends on the individual policy of each of our patients as they are all different.

Some have a copay where no matter what we do in the office that day, you only pay $20. Some have coinsurance which is a percent of the fee of that day, most are 80% insurance and the patient pays 20%. These also depend on the deductible that you have with your insurance. This is what you have to pay before the insurance pays anything.

We have seen some deductibles at $200 and some at $2000, it all depends on your specific policy. Some insurances have a visit limit for the year and that counts even if they don't pay for it. Say you have a 20 visit limit and have come in for 12 visits and meet your deductible and then insurance covers 100% of the fee. You would only have 8 visits left, not 20. That is just the way insurance works.