Insurance FAQ

insurance faqs

Our practice is an in-network provider for the following:

  • The Chiropractic Health Plan of California (CHPC)
  • Blue Shield

We are a preferred provider for the following Workers Compensation Managed Provider Networks:

  • City of Long Beach Workers Compensation
  • KMART/SEARS
  • Tri-State

As well as a:

  • Medicare Provider

We would be happy to verify your insurance coverage before you begin care in our office. We can assist with insurance billing, whether done in office or helping you bill your own insurance if you’re not sure how to do it.

If you do not have insurance that covers chiropractic care, we also have affordable, cost-effective cash plans.

Please call us at 562.938.8770 if you have any questions regarding your treatment coverage.

I HAVE BEEN IN AN ACCIDENT. CAN YOU HELP ME?

Yes, we can help. If you have auto insurance with Med Pay, we can bill them directly. If the accident is the other person’s fault, you have several choices. We encourage you to set up a no-cost consultation at our office to review your options.

Read our flyer: Why You Should Use Med-Pay in Auto-Accident Cases

DO I NEED A PRESCRIPTION FROM MY MEDICAL DOCTOR TO SEE A CHIROPRACTOR?

Doctors of Chiropractic are portal-of-entry providers, like dentists. You don’t need permission or a referral to see one. Some insurance companies use a gatekeeper—a person or entity that limits different types of care. On a few plans, the insurance company may require a referral, but this is not common and has only to do with billing. That’s why it’s always a good idea to check with your insurance first to make sure of your benefits for chiropractic services.

I DON’T HAVE ANY INSURANCE. CAN I BE SEEN? IS IT REALLY EXPENSIVE?

Many of our patients have no insurance. Others might have high deductible plans that cover major medical insurance (emergency surgeries and such). For our non-insurance and high-deductible patients, we offer a special pay-as-you-go discount if you take care of the bill at the time of service. We take cash, checks and most major credit cards. We also can arrange for in-house digital X-rays and we can help you set up out-of-office testing such as MRIs, CT scans, blood work, and other types of advanced imaging tests.

As for expense… we like to think that our chiropractic treatments can offer a less expensive first line alternative that may help you avoid costlier measures in the future.

I PLAY FOR ONE OF THE ATHLETIC TEAMS THAT THE DOCTORS WORK WITH. IS THERE A SPECIAL RATE?

Yes, please mention what team you play for when you call to make your appointment.

WHY DOESN’T INSURANCE COVER EVERYTHING YOU DO IN THE OFFICE?

We may offer some services that your insurance company or the company you work for does not include as a benefit under the plan you chose. Our certified training in disorders of the musculoskeletal and nervous systems requires us to recommend what we believe to be the best treatment plan for your health. We work for you, not your insurance company.

Health insurance carriers don’t always agree with their providers, or with each other, and they have many different plans that have different combinations of benefits. Please make sure you are aware of what YOUR policy limits are. We bill as a service to the best of our ability. We ultimately cannot be responsible for the contract between you and your insurance company, particularly if we are not contracted with them. Please direct any questions you might have to our insurance billing specialist.

WILL MY INSURANCE COVER MASSAGE?

If you have a prescription for massage from one of our doctors or your own, your insurance MAY cover it. Please have our staff check for you and your particular insurance before you schedule your appointment. It must be deemed medically necessary in order to be considered for reimbursement by most insurance plans.

WHAT IS A DEDUCTIBLE?

The amount you pay for covered services each year before your insurance company starts paying. Depending on your plan, you may pay copays or coinsurance for services without having to reach your deductible.

WHAT IS A COPAY?

The set amount you pay for covered services. For example, a $20 copay for an office visit.

WHAT IS COINSURANCE?

A percentage of the charges that you pay for covered services. For example, a 20 percent coinsurance for a $100 office visit means you pay $20.

WHAT IS THE OUT-OF-POCKET MAXIMUM?

The most you will pay for covered services each year. For a small number of services, you may need to keep paying copays or coinsurance after reaching your out-of-pocket maximum.

DOWNLOAD “UNDERSTANDING YOUR DEDUCTIBLE”

Click here to download a copy of Understanding Your Deductible flyer.



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Long Beach Spine & Rehabilitation Chiropractic Health Center
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562.938.8770
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It’s time for our annual Thanksgiving Food Drive!  (Benefiting Food Finders, Inc. in Lakewood) All New Patients who bring in: Non-perishable food items (canned or boxed) $50 value (Or) $50 grocery gift card   Receive their INITIAL EXAMINATION and NEEDED X-RAYS at NO CHARGE!   Existing Patients receive a treatment session at NO CHARGE! (excludes massage) Take advantage of this great offer to intr
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