Insurance Coverage

The first question we usually get is… “Do you accept insurance?” The answer is “Yes”. Not only do we accept it we are In Network with most insurance carriers.

Regarding Health Insurance…
There is a misnomer I would like to clear up regarding your health insurance. Most people think it is cheaper to use their health insurance. With the rise in deductibles and co-pays, major medical health insurance is getting more expensive to use. You should check with us regarding our cash plans. This may be a more affordable way for you to afford the care you need.

What types of insurance do not require a co-pay or deductible?

Regarding Automobile Insurance coverage…
If you happen to have a driver’s license from Minnesota and you carry no-fault insurance (illegal not to carry this) then you are covered for up to $20,000.00 (to cover injuries/pain from a motor vehicle accident) for chiropractic and medical treatment. With a referral from a physician, physical therapy and massage may also be covered. And… all personal injury attorneys will tell you that it is illegal for your automobile insurance rates to go up if you decide to use it for chiropractic and/or medical treatment.

Regarding Workman’s Compensation coverage…
If you have been injured at work then you may have a case for coverage under your employer’s worker’s compensation insurance carrier. All employers in the state of Minnesota must carry this insurance for their employees. The coverage is for chiropractic and medical treatment. In most cases, coverage for chiropractic will be for a period of 12 weeks. Specific criteria must be available for extended coverage beyond 12 weeks.

Regarding Personal Injury Insurance/Liability Insurance…
This is the insurance you use when you get hurt on private/public property (slip and fall injury). Most all businesses carry this type of insurance. There are usually caps on the amount of insurance dollars available

Regarding Home Owner’s Insurance…
This one is simple. You get hurt on someone else’s residential property then use this insurance.