To receive accurate estimates based on your specific insurance coverage, please contact the office by calling (317) 284-1329 or by filling out the contact form on the contact page.
Auto and Workman’s Compensation Patients:
If you have been in an auto accident and are submitting the claims through a form of auto insurance, please be sure to have the following information available by your first appointment: Insurance Company, Adjuster’s name, Claim Number, Phone Number, Fax Number, and Address. We will directly deal with the company paying for your services in order to help relieve a little bit of your stresses at such a difficult time.
Insurance Patients:
If we are an in-network provider, our office will submit claims to your primary insurance carrier for you. If your plan is a managed care plan and requires a physician referral, this is the responsibility of the patient. If your plan requires prior authorization, we will obtain this on your behalf. All patient responsibility is expected at the time of your service. A fee schedule assigned from your insurance carrier will be loaded into your account letting us know what the patient’s responsibility will be at the end of each treatment. If you have any problems with paying at the time of your service, please notify us ahead of time and we can help set up a payment plan to help make your care more affordable.
If you would like to find out what type of coverage your insurance offers, feel free to give us a call so that a member of our team can verify your chiropractic and physical therapy benefits.
We are in-network with most major medical insurance plans.
We accept the following:
- Anthem BCBS
- Aetna
- Cigna
- Medicare
- Sagamore
- IU Health
Misinformation on Chiropractic Services – Downloadable file
Out-of-Network Insurance:
If we are out-of-network with your insurance plan our office does NOT submit claims to the carrier. There are a couple of options. One is to enroll in ChiroHealth USA and receive a discount on services. Another is, you can pay full price at the time of service and submit a superbill to your insurance carrier.
Non-Insured Patients:
Summit Spine and Therapy offers very cost-effective prices for patients without insurance. If you do not have insurance or do not have chiropractic benefits there is still a way for you to receive the care you need. ChirHealthUSA (CHUSA) is a contracted healthcare membership network that allows us to offer compliant discounts on our services exclusively to CHUSA members. For more information about pricing please give us a call at 317.284.1329.
No Surprises Act:
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 985-3059.
TO RECEIVE ACCURATE CHIROPRACTIC INSURANCE AND PAYMENT ESTIMATES, PLEASE CONTACT YOUR INSURANCE PROVIDER PRIOR TO SCHEDULING!
Insurance & Medical Necessity
As a provider, we are required to follow insurance payer mandates and guidelines. Insurance benefits for chiropractic treatment are based on medical necessity which means that the doctor must have documentation to prove that the treatment you receive is for a condition that is likely to improve with chiropractic care.
For patients who are not in an active treatment plan – insurance will not cover wellness/maintenance visits and expect you to cover the cost. We have affordable fees for this type of care – ask the front desk about CHUSA!
