Dr. Williams is a provider for the following insurance companies:
- Most Blue Cross/Blue Shield
- Most United Health Care
- Most Humana
- Most Aetna
We are also a provider for many additional smaller companies, if you don’t see your particular company listed, call our office with your insurance information and we will be happy to call the insurance company for you to determine our provider status and your benefits.
Below are commonly asked questions regarding insurance and Chiropractic:
Q: Are Chiropractic treatments covered by insurance?
A: In most cases, the answer to this question is yes. However, every policy is different, call our office with your insurance information and we will be happy to call your insurance company to obtain your specific benefits and call you back.
Q: Do I need a referral from my primary care physician to see Dr. Williams?
A. In most instances, the answer to this question is No. But there are still some policies that do require a referral to all specialists. Again, call our office with your insurance information and we will be happy to call your insurance carrier to determine if your policy does or does not require a referral.
Q: If I have a referral from my dentist or oral surgeon for TMJ/Jaw Pain, will my treatments with Dr. Williams be covered under my dental insurance or my regular health insurance?
A: Treatments for TMJ or jaw pain are typically covered under your health insurance plan and will be subject to the deductible and copay amounts due per your policy. We will be happy to check your coverage prior to your first visit and call you with your policy details. Just have your insurance card handy when you call to make your appointment and we will call you back.
Q: Will I be required to pay anything each visit?
A: The answer to this question will be determined by the type of policy you or your employer has chosen to purchase. For example, if your policy has a yearly deductible of $500.00 and you have not yet paid that amount out of pocket for this calendar year, you would be responsible to pay for the services you receive until $500.00 total has been paid toward your deductible. However, if you have a $500.00 deductible and it has been satisfied for the year, you would then only be responsible for the co-payment required under your policy. This amount could be a flat fee, (for example: $20.00) or it may be a percentage of the services you received, i.e.: 10-30% is typical. Other than patients with 100% coverage policies, most patients will make a deductible payment or co-payments at the end of each visit. W ith the new changes that have been implemented in the past year, many Blue Cross/Blue Shield policy holders can receive chiropractic treatments(including exams and x-rays) for as little as a $12.00 co-insurance payment per visit (once any deducuctile is met). For United Health Care and UMR policy holders, this amount can be as little as $11.00 per visit (once any deductible is met.) Call our office today to see if you have one of these policies that qualify for the new low co-insurance.
Q: Does the clinic offer a payment plan?
A: No, but we do accept Visa and MasterCard for your deductible and co-payments.
Q: If I have been injured at work, can I see Dr. Williams as a Work Comp patient?
A: Dr. Williams is a member of many Work Comp Panels in the area, but you should always check with your employer to determine if we are on their Work Comp Panel. State law requires that at least one chiropractor be an option on each panel, if your panel does not have a chiropractor and you would like Dr. Williams to be considered on your panel, have your company's HR department call our office for more information.
Q: If I have been injured in a car accident, can I still see Dr. Williams?
A: Dr. Williams does not accept any Personal Injury cases that have attorney involvement or ones where third party payers are involved, i.e. we will only accept patients who file on their own car insurance under the med-pay provision, regardless of who was at fault. Your insurance company will then file a claim to the “at-fault” insurance carrier in order to be paid back when your case has settled.
Q: Can I see Dr. Williams even if I have no insurance?
A: Yes, we accept cash patients; you would pay your bill in full at the end of each visit.
Q: Does Dr. Williams accept checks?
A: Yes, but only for the exact amount due. Any bounced checks will incur a $30.00 fee and result in no further checks being accepted.
Definitions of common insurance terminology
Deductible: The amount you are required to pay out of your own pocket each year before your insurance carrier will begin to pay their agreed percentage. The amount of your deductible will be determined by the policy you or your employer chose to purchase. If you are unsure of your deductible amount, we will be happy to call your insurance carrier to obtain your benefits, simply call our office with your insurance information and we will be happy to call you back with your specific benefits. Should there ever be a dispute in regards to deductible or coinsurance amounts, we must go by what the insurance company tells us or reschedule your appointment to give you time to straighten out any discrepancies.
Co-payment: This is the amount your policy requires you to pay at the end of each visit; this amount is a flat fee as outlined in your policy.
Co-insurance: This amount is a percentage of your total charges for the day as outlined in your policy , for example, in an 80/20% policy, the insurance company would pay 80% of your charges and you would pay 20% at the end of each visit. If we are a provider for your insurance carrier, you will only pay on the discounted amount agreed to in the provider contract, not on the total amount.