Insurance
Does my insurance cover Chiropractic ? In many cases yes!
Sadly of late the insurance industry has become quite adversarial and many companies obfuscate, make more complicated than necessary, or just plain mislead patients and their Doctors about their coverage. As a result, I recommend you exercise due diligence and double check your coverage with your carrier. They often mislead your Doctors about your coverage the end result of which makes the Doctor look like the bad guy. For this reason, I no longer “Verify” coverage for my patients as I’ve too often been caught in the middle. They work for you and as such have an obligation to you to clear up to your satisfaction any misunderstandings you may have about the nature of your benefits.
Understand that ultimately you are responsible for the payment of your bills so take a name and copious notes when you talk to your carrier. I’ve provided a form for your convenience at the bottom of this page that has the questions you need the answer to in order to know what you can expect in the way of coverage. Please use that form and call your carrier then you’ll have the best understanding of what you can expect as per your coverage. I’d be happy to keep a copy of this in your file for you so should any issues arise you’ll have the information at your disposal.
I offer significant discounts to those of my patients who are uninsured if they pay for their care at the time services are rendered.
If your insurance misrepresents your coverage to you, I will attempt to negotiate with them on your behalf to see that you get the maximum that your benefits allow. If your insurance carrier refuses to pay your bill I’ll lower it to the paid for at the time services were rendered price, provided you take care if it in a timely fashion.
Dr. Camp is a provider for Blue Shield, Aetna and Medicare and is a member of many of the HMO and PPO networks. We are part of the Community Care and Private Health Care Systems networks (PHCS).
If your insurance provider says anything about ASHP (American Specialty Health Plans) or ACN (American Chiropractic Network) I am not in their plan. These plans use the euphemism of “Encounter threshold” when talking about reimbursements to your provider. The Maximum amount allowed per “Encounter treshold” is less than the cost of doing business and as a result I’d question the ethics of any Chiropractor who is willing to accept the rates of these providers. Sadly about seventy percent of the people covered in California have these plans.
Just how much do you think your care would matter to a Doctor who is willing to take your case on at a financial loss. There is truth to the concept that you get what you pay for and I don’t want to be the bargain bin Chiropractor. My unwillingness to compromise patient care is the reason for my dropping out of these plans.
I accept personal injury cases with no charges due from the patient until the case settles with a lien on file from their attorney, Med-Pay in your plan, or with agreement from your regular health insurance plan, and I accept any valid workman’s compensation case.
