Using your insurance for chiropractic care is a very smart thing to do. You are paying for those benefits every month, you should use them. At Britton Chiropractic we take the guess work out of the process. We will check your insurance for you and let you know What your copay or co-insurance is.
How do deductibles, coinsurance and copays work?
When both you and your health insurance company pay for your health care expenses, it’s called cost sharing. Deductibles, coinsurance and copays are all examples of cost sharing. Understanding how they work will help you know how much you’ll pay.
A deductible is the amount you pay for health care services before your health insurance begins to pay.
How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.
Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you’ve paid your plan’s deductible.
How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you go to the doctor, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance.
A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service.
How it works: Your plan determines what your copay is for different types of services, and when you have one. You may have a copay before you’ve finished paying toward your deductible. You may also have a copay after you pay your deductible, and when you owe coinsurance.
Chiropractic is included in most health insurance plans, including major medical plans, workers’ compensation, Medicare, some Medicaid plans and Blue Cross Blue Shield’s federal employee plan, among others.
United health Group
Cigna Health Group
Coventry Corp. Group
Blue Cross Blue Shield
Health Net of California, Inc.
UHC United Health Care / CVS
Molina Healthcare Inc. Group