Insurance Details & Fee Schedule in St Paul MN

Yes, we are in-network for chiropractic care. We accept Health Partners, PreferredOne, Medica, United HealthCare, BCBS, UCare, Auto Insurance, Workers Comp Insurance.

If using Commercial/Private, State or Federal Insurance: In addition to a possible co-pay, there may be potential fees for extra services outside of insurance coverage ranging from $25-$145 per session.

*The price listed reflects reduced out of pocket rates for members ($49/year)- non-member costs may vary depending on coverage and services provided*

These services could include: heat therapy, graston, stretching, taping, acupuncture, cupping, trigger point therapy, traction decompression, myofascial release, laser therapy, MedX spinal therapy or neuromuscular reeducation. These fees will be the responsibility of the patient are are expected to be paid at the time of service.

What is ChiroHealthUSA?

Everyone knows healthcare is expensive. We’re all feeling it. We’re paying more and getting less which is why we need options. ChiroHealthUSA is a leading discount program for chiropractic patients like you. It is a network of clinics that works in conjunction with a Discount Medical Plan Organization to offer in-network discounts to you and your family.

What happens when you don’t have chiropractic coverage or your coverage does not cover your entire visit? You would be charged the clinic’s actual fees UNLESS you are a member of a discount program such as ChiroHealthUSA. How Does ChiroHealthUSA Work? A simple one-time fee of $49 covers you, and your legal dependents, for a year. You become members of the program and start saving money immediately. In fact, the membership fee is more than covered by the discounts you’ll receive. And the savings travel with you. You may use your membership at any of over 7,000 ChiroHealthUSA providers throughout the country, although the actual fees and discounts may vary by location.

Can I use ChiroHealthUSA with my insurance? Yes. ChiroHealthUSA may be used with insurance for non-covered services or when benefits are exhausted. Health plans differ so check with your plan administrator for any restrictions or limitations. How can I see what my discounts are? Your clinic will provide you with a summary of your discounts which will vary by location. Where do I sign up? You can join right in your chiropractor’s office or you can scan the QR code below. Your member packet will be sent to your preferred email address. Now, you can get the care you need at the guaranteed lowest price with no secondary bills.

*Sign Up Here*

• Initial 1hour Full-Service Appointment $165
• Follow Up 30min Full-Service Appointment $95
• Initial 30min Quick Fix Appointment $95
• Follow Up 15min Quick Fix Appointment $75

***These are the lowest capped fees for our out-of-pocket time of service fees as a Chusa member***

***There is a $30 Fee for 24-Hour Cancellations/No Shows***

Sign Up to be a Chusa Member

It is expected that your provider will bill your services within 48 hours. Your payment is due at the time of billing. There may be a slight delay in your provider’s billing, if this is a concern, please discuss this with your representative. You have two options for paying your portion of the service.

A. Out of Pocket time service fees can be paid with your card on file prior to your appointment or we will charge the card on file within 48 hours after services are performed.

B. If we are billing your insurance and you have any Copay, CoIns, upgrade, or patient responsibility, the appropriate fees will also be charged at the time of service, invoiced in approximately 30-45 days once your claim has been processed or both based on your plan.

As a patient of Pure Health Chiropractic, you can create and access your online patient portal to edit/change all personal information. If you still have questions, please use our Contact Us Page to answer any unanswered billing concerns.

1. You may have had an upgrade fee assessed on your visit based on what services were performed and deemed medically necessary.
2. You may have been charged for more than one date of service time. This would be due to your provider billing more than one service on the same bill date.
3. Your deductible may have been met and now you have a smaller copay or coinsurance. Your yearly insurance plan may have restarted and now switched from a copay/coinsurance back to a higher deductible.
4. You may have coinsurance. A copay is a flat fee while coinsurance is a percentage of the service. Depending on the code your provider bills that best corresponds to the service you received it may have a different percentage owed.

In most cases, insurance plans generally start with a fixed deductible that you will need to meet each insurance year (12 months from the start of your insurance) Before insurance will cover services. This deductible could be $100 or several thousand dollars. If you have a deductible, insurance will process your claim, and your responsibility will be the full contracted rate for the service. For example, if we have a contract with your insurance that we will be paid $150 for a service and you have a deductible, you will be responsible for the full $150.

Typically, after you meet your deductible in each insurance year, you may have a copay or a coinsurance. A copay is a fixed amount you will pay each session, like $20 or $40. Insurance will cover the rest of our contracted rate.

A coinsurance is a percentage you pay for each session, like 20% or 30% of the contracted rate. For example, if our contract rate with your insurance is $150 and you have a 30% coinsurance, you would be responsible for $45 ($150 x .30 = $45). Insurance will cover the rest of our contracted rate.

Sometimes insurance begins to cover the entire cost of your services. This tends to occur when you reach your “out-of-pocket” maximum, which is the maximum amount you and/or your family are required to pay out-of-pocket for deductibles and copays/coinsurances each insurance year.

Please note this information is, for example, purposes only and may not accurately describe your specific insurance situation. It is the responsibility of each client of Pure Health Chiropractic to be aware of their insurance benefits. However, we hope this is a helpful tool for some terminology that you may encounter in your experience.