Finance

Financing Options at Laurelhurst Chiropractic

At Laurelhurst Chiropractic, we believe quality care should be accessible to everyone. That's why we offer financing options for our chiropractic and massage therapy services. We want to ensure you can get the care you need when you need it, without the additional stress of wondering how you can afford necessary appointments.

We accept most major insurance plans and take care of the paperwork to make your visit as smooth as possible. For patients with high deductibles or no insurance, we offer discounted rates exclusively through the ChiroHealthUSA membership program. Membership is just $49 per year and allows you to access affordable chiropractic care without compromising quality.

As a local, family-owned practice with over 30 years of experience serving the Portland community as a practice, we’re committed to helping our community get the care they need without financial stress. Contact us today to learn more about our financing options.

Insurance and Billing

Courtesy Billing:

Simplifying Insurance Claims 

• We understand the complexities of insurance billing and strive to alleviate our patients’ administrative burdens. 
• As a courtesy, we handle billing processes by submitting claims to insurance companies on behalf of our patients. 
• This service allows patients to focus on their treatment while we handle the insurance paperwork. 

Insurance Networks 

We are in network with the following insurance companies:

• Moda 
• Cigna (limited to chiropractic care only) 
• Providence 
• BCBS (Blue Cross Blue Shield) 
• Kaiser CHP (limited to chiropractic care only) 
• Medicare 
• Auto Insurance 
• Workers’ Compensation 

We are NOT in network with the following insurance companies:

• OHP (Oregon Health Plan) 
• United Health Care 
• Aetna 

(If we are not in network with your insurance plan, we are unable to bill them. Although, we can provide a superbill, an itemized receipt, that you can submit to your insurance company for reimbursement. It is the responsibility of the patient to determine their out of network benefits prior to receiving treatment.) 

Alternative Option - ChiroHealth USA 

• We offer an alternative to insurance through the ChiroHealth USA program. 
• Chiro Health USA is a membership program available for $49/year, providing access to discounted chiropractic services for 12 months.
• Below are the rates for care for patients who choose to go with a Chiro Health USA Membership
• New Patient Chiropractic Visit: $150
• Routine Chiropractic Visit: $85
• 1 Hour Massage: $100
• 30 Minutes Massage: $50
• This program is particularly beneficial for patients with high deductibles, no insurance, or out-of-network insurance. 

Patient Responsibilities: Copays and Co-Insurances 

• We provide courtesy benefit verifications which provide a cost estimate to help patients understand their out-of-pocket costs before their visit. 
• However, this service relies on patients providing their insurance information to us in advance. 
• Patients are ultimately responsible for knowing their insurance benefits, but our verifications can serve as a helpful aid. 

Contacting Insurance Companies: Ensuring Coverage Information 

• Patients should proactively contact their insurance companies before their appointment to understand their coverage. 
• Although we strive to provide timely benefit verifications, they may not always be available before the first appointment. 
• Directly contacting insurance providers ensures the most up-to-date information regarding coverage and benefits. 

Understanding Copays and Co-insurances 

• Copays are fixed amounts that patients pay at the time of service. 
• Co-insurance is a percentage of the total cost of treatment that patients are responsible for. 
• Patients should consult their insurance plan to determine the specific copay and coinsurance amounts they are expected to pay. 

Services Subject to Deductibles 

• If a patient’s insurance benefits are subject to a deductible, they will be responsible for the entire out-of-pocket amount for services until the deductible is met. 
• Patients should review their insurance plan to understand the deductible requirements and how they affect their financial responsibility. 

Insurance Coverage Limitations 

• We offer various services during treatment, which may result in additional copays or coinsurances, as stipulated by the patient’s insurance plan. 
• We do not have control over what services are covered by insurance. If patients have questions about coverage, it is best to contact their insurance provider directly. 

Keeping Insurance Information Updated 

• It is crucial for patients to inform us promptly if they have new insurance to avoid confusion during the billing process. 
• Timely updates help us ensure accurate billing for treatment and avoid any potential complications. 

Medicare Coverage and Limitations 



• Medicare covers subluxation of the spine; however, if patients desire additional modalities (traction, manual therapy, massage, etc.) during treatment, they may need to pay out of pocket. 
• Patients with Medicare should be aware of these limitations and discuss treatment options with our staff. 

Conclusion 

At our chiropractic office, we prioritize providing quality care while simplifying the insurance and billing process for our patients. We offer courtesy billing services, but patients are responsible for copays and co-insurances. Our courtesy benefit verifications assist patients in understanding their out-of-pocket costs, but it depends on timely insurance information. Patients should contact their insurance companies for coverage details and update us with any changes to their insurance. We do our best to provide accurate representations of insurance benefits, and for uninsured patients or those seeking alternative options, Chiro Health USA offers discounted services. If patients have questions about coverage or billing, contacting their insurance providers directly is the most reliable way to get comprehensive answers.