Insurance & Coverage
Understanding your insurance can be confusing, and we want to make it as simple as possible. Below you’ll find the insurance companies we commonly work with, an explanation of common insurance terms, and specific details on Medicare and Medicaid coverage for chiropractic care.
Insurance Companies We Commonly Accept
We are in network with many major insurance providers, including:
- Blue Cross Blue Shield
- Blue Care Network
- Cigna
- Aetna
- Priority Health
- HAP (Health Alliance Plan)
- UHC (United Healthcare)
- IBEW
- Molina
- AARP
- Medicare Part B
- Michigan Medicaid
If you don’t see your insurance listed here, give us a call. We’re happy to check and let you know where things stand.
Understanding Your Insurance Terms
Insurance language can get confusing fast, so here’s a plain language breakdown of the terms you’ll come across:
Premium
This is the amount you pay, usually monthly, just to have your insurance plan active. You pay this whether or not you use your insurance.
Deductible
This is the amount you have to pay out of pocket for covered services before your insurance starts paying its share. For example, if your deductible is $1,000, you’ll pay the first $1,000 of covered care yourself before your plan kicks in.
Copay
A copay is a flat fee you pay at each visit, like $25 per appointment. This is usually a set amount regardless of the total cost of the visit.
Coinsurance
Coinsurance is your share of the cost after your deductible has been met, usually shown as a percentage. For example, if your plan covers 80% and you’re responsible for 20% coinsurance, you’ll pay 20% of the visit cost after your deductible is satisfied.
Max Out of Pocket
This is the most you’ll have to pay in a plan year for covered services, combining your deductible, copays, and coinsurance. Once you hit this number, your insurance covers 100% of covered care for the rest of the plan year.
Medicare Coverage
If you have Medicare, please keep in mind that Medicare does not cover the following:
- X-rays
- The initial exam
- Mechanical traction
- MLS cold laser therapy
These services are not covered under Medicare and would be an out of pocket cost. We’ll always let you know ahead of time what to expect so there are no surprises.
Medicaid Coverage
Michigan Medicaid does not cover the following:
- The initial exam
- Mechanical traction
- MLS laser therapy
Medicaid plans allow 18 chiropractic adjustments per calendar year, which typically reset every January as long as you still qualify for your plan.
We are in network with the following Medicaid plans:
- Blue Cross Complete
- Molina
- United Healthcare
- Meridian
- Priority Health
- HAP CareSource
Please note: we are not in network with Aetna’s Medicaid plan.
A Note for Blue Care Network Patients
If you have Blue Care Network, you will most likely need a referral from your primary care physician before starting care with us. Your PCP’s office will need Dr. Robert Diegel’s NPI number along with your care start date to process the referral. We’ll provide both pieces of information to you at your first appointment.
Getting a Cost Estimate
We do our best to give every patient an estimate of what their care may cost based on their insurance. That said, insurance plans vary widely, and the most accurate way to know your exact coverage is to contact your insurance company directly using the number on your card.
If you’d rather have us check your benefits for you, reach out anytime and we’ll take care of it.
Questions about your coverage or what to expect cost wise? Contact us at (586) 254-2060 and we’ll walk you through it.