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Payment Options

At Skaggs Chiropractic, LLC, we understand you have a choice on where you get your care. At a time when many chiropractic clinics in the area are switching to cash only, we continue to work with insurance companies to make chiropractic care affordable for all patients. Our office participates with most major insurance companies.

We also have cash options for those who need it. For patients with little or no chiropractic insurance coverage, we offer several options including flexible payment programs. Many of our patients discover that chiropractic care is extremely cost effective. Many of our patients have been with us for generations.


Cash Option

Option #1 is always cash. We accept cash, major credit cards, personal checks and corporate checks.


Discounted Medical Plans

We are members of ChirohealthUSA which allows us to give you a discount on our chiropractic services for out-of-network and cash patients. There is a $49 annual fee covering you and your entire family living under the same roof for discounts on the care. Beware there are other discount plans out there and others can be costly in comparison.


Health Insurance

Why do they call it health insurance when you only use it when you are sick? We are in-network with most major insurance companies, and you can contact our office or your insurance carrier to find out. Please be made aware your insurance company wants you to go to in-network providers only because it saves them money. It is very rare that your insurance will cover the entire expense of your care.

If your policy was insured in the State of Missouri you should have 26 visits covered by your insurance plan. The amount of your coverage may be limited by a dollar amount per visit and most often accompanied by a copay. Your plan may only cover a percentage of the cost per visit. There may be a cap on the cost per visit covered. Then there is a deductible which is the amount you must pay for covered healthcare services before your insurance plan starts to pay.

You should always contact your insurance company to verify your coverage prior to any visit to ascertain how much your care will cost. There should be a 1-800 number on your insurance card.

Health Savings Accounts (HSA) or Flexible Spending Account (FSA): These accounts consist of moneys you have set aside for the expressed use of healthcare. They consist of pre-taxable funds to cover the cost of your care. You will need to verify with your insurance administrator to see if your plan offers this options through your policy.


Medicare

Medicare is a national plan that covers disabled patients and patients over 65 years of age. We accept Medicare coverage; however, it covers only the chiropractic adjustment to the spine. Secondly, Medicare requires our office to perform an examination prior to treatment but they will not cover the cost of that examination. They will not cover the cost of x-rays or any therapies. There is currently a $225.00 annual deductable. Medicare will only cover what they deem as active chiropractic care; they will not cover supportive or maintenance care.


Auto Accidents

We accept patients involved in automotive accidents. We will work with your insurance company or most attorneys in the area and wait until your accident has settled to receive payment for our services, which is called a lein. If you are represented by an attorney, please let us know in advance.


Workman's Compensation

We will work with your employer or their insurance company for your recovery. Before we can see you for a workman's comp claim, we must have your employer's written permission, otherwise the cost of care is the patient's responsibility.


Payment Plans

If you have no insurance or even if you have coverage but have a high deductible we can set the patient on a payment plan that will make care affordable. Please feel free to discuss this option with the doctor.

CareCredit

We no longer offer this option.


Medicaid

Medicaid just recently started covering chiropractic. At this time, our office doesn’t participate with Medicaid.


Recent No-Surprises Legislation

There are some insurance companies we are not partnered or considered out of network. When we are not in-network, we can't provide information as to what your health plan will cover. We can only give you a good faith estimate of the cost of your care. That amount is only an estimate; it isn’t an offer or contract for services. This means the final cost of services may be different than this estimate. It is your responsibility to contact your health plan to find out how much, if any, your plan will cover and how much you may have to pay. We will do whatever we can to keep care affordable.

Your health is your greatest asset! Your health is an investment of both time and money. Take care of health and yourself. Without health, you have nothing!