Insurance and Affordable Chiropractic

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Our goal at ICW is to provide high quality, affordable, personal service that is responsive to the healthcare needs of our patients. We typically require payment for services at the time they are provided because we feel this allows us to focus on healthcare and not be distracted or influenced by the ever-changing time, monetary and procedural restrictions of insurance providers. However, Dr. Ude is an in-network provider for BCBS PPOs and Medicare only.  A high quality, informed interaction between a patient and practitioner requires time not only for a physical exam, but also discussions regarding lifestyle and emotional concerns that are essential to providing comprehensive, holistic care. 
Every patient is a unique individual and Dr. Ude will take the time to get to know and treat the individual in an effort to more effectively address the cause of health problems and not merely the symptoms. We will be happy to answer any questions patients may have about receiving reimbursement directly from their insurance provider. 
The receipt we provide at the time of payment is typically all that is required in the form of a claim. We do directly file claims for you if you have BCBS PPO or Medicare, but you may very well get reimbursed for part or all of your care at this office if you are insured through another carrier (out of network benefits). Any specific questions you may have about coverage for our services should be directed to your insurance company. 
Prior to your appointment, you may want to call your insurance carrier (phone number on the back of your card) and WRITE DOWN the answers to the following questions: 

• Do I have coverage for chiropractic care?  
• What is my deductible? (is it family or individual)?
• Does my deductible begin January 1?
• How much of my deductible has been met so far this year?   
• What  is the percentage covered? (Many insurance companies will cover  chiropractic care at an 80/20 rate, for example: they will reimburse you  for 80% of your care).   
• Where  do I send the superbill? (This is the receipt ICW will give you with  “diagnosis codes” and “CPT codes” that your insurance will use to  reimburse you).