Medical and health insurance claim form with stethoscope on clipboard

Palm Beach Chiropractic and Rehabilitation participates with a large selection of insurance providers. You can check with your insurance company to ensure that we are network participating providers or give us a call with your information and we can check for you to see if we can utilize your insurance benefits.

We are in network with:

  • Blue Cross Blue Shield of Florida
  • Florida Blue
  • Cigna
  • Humana PPO
  • Humana HMO
  • United Healthcare
  • MultiPlan
  • PHCS
  • Medicare
  • All Auto Insurances PIP

If you do not see your insurance listed, call the office and we will be able to check your benefits for you right over the phone.

If you have been in a car accident, your auto insurance has health benefits called Personal Injury Protection (PIP).  We accept ALL auto insurance.  Again, call the office and we can walk you through the simple process and help you recover from an unfortunate event ASAP. You must see a doctor within the first fourteen (14) days after your accident to be able to use these benefits so call us immediately and we will do whatever it takes to help you recover.

How Insurance works with Chiropractic

People are sometimes surprised that their insurance covers chiropractic services. At Palm Beach Chiropractic, we are in-network with some of the major carriers in the Florida area. We are even considered to be “preferred providers” by these networks because our stats are excellent when it comes to getting our patients better quickly.

We can also bill auto carriers in the case of an auto accident if the accident is the fault of the “other guy” or if you have something called Personal Injury Protection (PIP). In fact, Florida law states that if your reason for seeking treatment has to do with an auto accident, you must bill your auto carrier in lieu of your health insurance for that treatment.

The major point of confusion for most people has to do with the number of visits they are allowed to see their chiropractor. Some patients decide that they feel better when they are getting adjusted regularly, and since they have x  amount of visits, they want to be sure to use them all and get their money’s worth from their insurance. Unfortunately, the insurance companies don’t see it that way. In order to justify treatment, we have to prove there is medical necessity for that treatment.

Here’s how it works: you have a complaint of some sort. You come in, and we do an initial evaluation in order to determine what’s causing your pain or dysfunction. Based on the results of that evaluation we devise a treatment plan to deal with it. The plan will have clear goals that will show progress has been made. Once we’ve progressed through that plan we are to do a re-exam to determine if there is a need for continued treatment. If not, you are to be released after the re-exam (this necessitates the re-exam—we have to show your issue is resolved so you don’t have a “pre-existing condition” following you around on your insurance policy) .

Any treatment that is given on a routine basis outside of what was just described is considered “maintenance,” and is not covered by insurance—even if you have 100 visits a year on your policy. Please remember, we don’t write the mail, we just deliver it. We have to play by these rules or we could be thrown out of the network.

Our solution for those who want routine adjustments for wellness reasons is to provide that service for cash, and not bill insurance at all unless a new problem emerges that justifies medical necessity.  In these cases a new exam is done, a new care plan is created, and we’re off to the races again trying to resolve the new issue.

We know it’s complicated.  You think you have insurance that pays for what it says it pays for. We wish it were that simple ourselves.

Even if you DO NOT have insurance or your health benefits do not cover chiropractic care, our fees are very affordable for anyone.  Don’t wait until the pain gets worse to make an appointment.  Prevention and maintenance will keep you pain free.