INSURANCE

We are participating providers for most insurances and have 30 years experience with workers' compensation claims, motor vehicle accidents, Medicare, and private insurance.

Many people get confused by their chiropractic benefits within their insurance policies. Insurance plans often provide a fixed number of chiropractic visits in their benefits package but this does not entitle the patient to use all of those visits on an annual basis. Insurance only pays for treatment that they consider to be "medically necessary". Medically necessary care is considered to be active care.

Active care is usually covered by most insurance companies. Active care occurs when the patient seeks relief, correction and stabilization of his condition. This care requires frequent, scheduled visits that are reduced as the patient improves. This treatment often incorporates therapies such as ultrasound, electrical muscle stimulation, traction, etc. accompanied by the chiropractic adjustment. The doctor prescribes a treatment plan which dictates the frequency and duration of the treatment necessary to achieve the goals of both the patient and the doctor. Once those goals are achieved, the patient is released from active care and may choose to continue with wellness or maintenance care.

Wellness or maintenance care is care rendered to prevent future relapses or to maintain the progress achieved during active care. This care is rendered less frequently, typically anywhere from every two weeks to quarterly each year. Most patients opt for monthly visits. Insurance companies consider wellness or maintenance care to be "not medically necessary" and do not pay for this care. Our office charges $55.00 for our wellness or maintenance visits.

Patients often believe that once they have gotten better and are released from active care, they are not able to use their insurance again. On the contrary. You may recover from one condition/injury only to sustain a new one or aggravate the old one. Care received to recover is considered active and can be submitted to your insurance company. Of course, all good things come to an end and chiropractic coverage in Minnesota does not allow for unlimited numbers of treatments each year.

Medicare does not treat chiropractic treatment the same as other medical procedures. Medicare does not pay for the initial examination which is necessary for determining the diagnosis, treatment plan, and whether chiropractic is the appropriate treatment for the individual. You are responsible for the cost of the initial examination and any adjunctive care that Dr. Andrews deems appropriate for the management of your case. Medicare only covers the cost of the chiropractic adjustment. Supplemental insurance will only cover the chiropractic adjustment as well. Please call our office for clarification of your coverage with Medicare.