Office Financial Policies

Medicare Patients:

Medicare will only pay for services that they determine to be “medically necessary.”  If Medicare determines that your treatment was not medically necessary they will deny payment for that service.  If Medicare denies any services, your secondary insurance will not pay the expenses.  We can only bill a chiropractic adjustment to Medicare and the patient responsibility averages $7/apt.  If you have a secondary insurance, they will normally pick up this portion.

Current Medicare regulations will not reimburse for any of the following services billed from the chiropractic office: exams, physical therapy, rehab, and supports.  All non-covered services will be charged directly to the patient at a discounted rate.  Charges for these services can be discussed with you ahead of time to insure you know exactly what to expect.

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:

We bill your 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 exactly what the patient 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 currently in network with the following insurance carriers:

  • Anthem
  • Blue Cross/Blue Shield
  • Aetna
  • HSM
  • Cigna
  • Medicare
  • Sagamore
  • United Health Care
  • Clarian/IU Health

Non-Insured Patients:

Summit Spine and Therapy offers very cost effective prices for patients without insurance.  For more information about prices for Chiropractic adjustments, Physical Therapy, or Massage Therapy please give us a call at 317.284.1329.



What is it?chirohealth

ChiroHealthUSA (CHUSA) is a discount program that can provide savings on many of your chiropractic expenses. The program may be used by you and your immediate family members. While this program is not chiropractic insurance, it may be used to cover expenses not covered by a major medical health insurance policy. Since insurance companies do not cover chiropractic treatment until your deductible is met, many patients use this plan if they are not planning on meeting their deductible for that year. CHUSA is a contracted network that allows doctors to set and accept discounts on their services for members. Partially-insured patients who have coverage for some services and not others, like Medicare patients, may use their ChiroHealthUSA benefits to complement their existing benefits, specifically for the non-covered services only.

Do I qualify?

Your acceptance is guaranteed and the program may be used by you and members of your immediate family. When you join ChiroHealthUSA, you are entitled to similar “in-network” discounts just like the insurance companies.

How much does it cost?

ChiroHealthUSA requires a $49 enrollment fee that is charged yearly (not many of our patients require treatment that lasts more than a year).

Can I be enrolled while using other insurance plans?

Absolutely! Since ChiroHealthUSA is not a health insurance plan, you can still be enrolled in regular health insurance as outlined in the Affordable Care Act but it may only be used for services not covered by Medicare or Insurance.


Since treatment plans may be extensive, we offer a payment schedule that spreads out the payments required into easy monthly payments.

For patients that want to meet their chiropractic insurance deductible, we calculate how many visits are needed until their deductible is met, and then add that to the cost of their copay after this is met. We then divide that number by a number of months and assign a monthly payment to you. With this plan, you are not expected to pay each time you visit the office.

We will discuss this with you after your treatment duration is established.