Insurance? How About Cheaper Than Your Insurance Co-Pay?
We do accept insurance, however as a rule, we find that your lowest out-of-pocket expense occurs when you join ChiroHealthUSA (see below) so that we can charge you less for your healthcare.
Join ChiroHealthUSA and pay only:
- chiropractic adjustment—$39.95
- extremity adjustment (shoulder, elbow, wrist, knee, foot)—$15
- rehab "you pick 2"—2 for $35
- digital X-rays per region—under $50
Our cash adjusted fees are now reduced by 40% so that everyone can afford excellent health care and when you need it.
So That You Can Get the Care You Need: Here's How to Ensure You Pay the Least Possible but for the Highest Quality of Care
$49 Earns You Discounts on Healthcare All Year Long That Are Less Expensive Than Insurance Rates
So that we can make your healthcare at Wagner Chiropractic as affordable as possible, we ask our patients to join the federal non-profit organization, ChiroHealth USA (CHUSA) for a modest $49 all of which goes directly to CHUSA and covers your entire immediate family. We then discount your treatment costs to rates significantly lower than "usual customary and reasonable" (UCR) charges.
Here's why we ask you to help us help you by joining CHUSA.
You may be among a growing number of people who are finding themselves uninsured, underinsured, or with limitations in their health plan.
As insurance benefits for chiropractic care dwindle, more families are forced to choose between needed chiropractic care and other necessities. Because patients with insurance coverage have the benefit of the carrier negotiating the fees with the doctor, cash-paying patients or those with non-covered services like Medicare beneficiaries may actually have to pay MORE than insured patients.
ChiroHealthUSA allows patients to use the membership concept they are already familiar with to access needed care for their immediate family.
Doctors are usually required to charge insurance companies and patients the same fees unless they are under a network contract for a lower fee. ChiroHealthUSA is a contracted network that allows doctors to set and accept discounts on their services for our members. When you join ChiroHealthUSA, you are entitled to similar “in-network” discounts just like the insurance companies.
- A single $49 annual membership includes everyone in your immediate family.
- Partially insured patients who have coverage for some services and not others such as Medicare patients may use their ChiroHealthUSA benefits to complement their existing benefits, specifically for the non-covered services.
- Patients may use their membership cards at more than 3,900 doctors in the network.
This discount medical plan is NOT insurance, a health insurance policy, a Medicare prescription drug plan or a qualified health plan under the Affordable Care Act. The Plan provides discounts only on chiropractic services offered by providers who have agreed to participate in the The Plan. The range of discounts for the chiropractic services offered under The Plan will vary depending on the type of provider and products or services. The member will receive a discount on certain identified chiropractic services from providers in The Plan.
Out of Pocket Affordability
Chiropractic care consistently proves to be lower cost than allopathic care while it dependably delivers high quality less invasive care with great efficiency and results.
In fact, the National Institutes of Health (NIH) Report published October 2015 entitled, "A systematic review comparing the costs of chiropractic care to other interventions for spine pain in the United States," says:
“Studies have reported that chiropractors have more confidence in their ability to manage spine pain than medical physicians, and that patients with spine pain report higher levels of satisfaction with chiropractic care than care from a medical physician [1-3]. Proponents of chiropractic maintain that it offers a more cost-effective approach to managing spine pain for a variety of reasons, including lower fees for office visits, use of x-rays rather than more advanced diagnostic imaging, lower referral rates to spine specialists or surgeons, and scope of practice limitations related to medications, injections, and surgery .”
Still another NIH report entitled, "A comparison of health care costs for chiropractic and medical patients," prepared by the School of Business Administration, Oakland University, Rochester, Michigan, states that:
“Patients receiving chiropractic care (a total of 395,641 patients [studied] with one or more of 493 neuromusculoskeletal ICD-9 codes) experienced significantly lower health care costs as represented by third party payments in the fee-for-service sector.”
Because chiropractic helps the body to heal naturally, expensive drugs and surgery are not involved. Simple spinal adjustments are made to correct misalignments thereby allowing normal nerve transmission and creating the space for your body to heal on its own.
Authors Lin, Haas, Maher and Tulder in the European Spine Journal article, "Cost-effectiveness of guideline-endorsed treatments for low back pain: a systematic review," report:
"A 2011 systematic review of the cost-effectiveness of treatments endorsed in the APS-ACP guidelines found that spinal manipulation was cost-effective for subacute and chronic low back pain, as were other methods usually within the chiropractor’s scope of practice (interdisciplinary rehabilitation, exercise, and acupuncture)."
It is interesting to note that policies for healthcare which encourages treatment which is at once both cost-effective and effective actually lead to not only lower healthcare costs but superior outcomes according to Daniel Redwood, DC, Professor at Cleveland Chiropractic College, Kansas City and Editor-in-Chief of Health Insights Today. He goes on to say:
"In the U.S., at least 200,000 microdiskectomies [the surgical removal of herniated disc material] are performed annually at a direct cost of $5 billion, or $25,000 per procedure. Avoiding 60 percent of these surgeries [by sending the patients to chiropractors] would mean a reduction savings of $3 billion annually. In the Canadian study, patients receiving chiropractic care averaged 21 visits during their course of care. If a cost of $100 per patient visit is assumed for the care provided by the chiropractor, then the total cost per patient would be $2,100, yielding per patient savings of $22,900, or $2.75 billion dollars annually."
Finally, Dr. Daniel Zagst, DC, shares on the naturalnews.com the following significant statistics on the cost-effectiveness of chiropractic care while delivering excellent healthcare:
"A study in 2007 compared care costs of a patient under the direction of a chiropractor as their primary care physician (PCP) versus a medical doctor. After 70,000 member-months spanning a 7-year period, hospital admission costs were decreased by 60.2 percent, cost of days spent in the hospital were decreased by 59.0 percent, and outpatient surgeries and procedures were down by 62.0 percent. If these numbers were not astonishing enough, the costs associated with pharmaceuticals decreased by 85 percent when compared to conventional medically driven care. All of these comparisons were done in the same time frame, geography, and health maintenance organization product.”
Cost Saving Treatment Packages for a Series of Visits Over a Six-Week Period
For a complete listing of Treatments and Services, go here.
Sources for "Out of Pocket Affordability" article in column one:
1. Smucker DR, Konrad TR, Curtis P, Carey TS. Practitioner self-confidence and patient outcomes in acute low back pain. Arch Fam Med. 1998;7(3):223–8. doi: 10.1001/archfami.7.3.223. [PubMed] [Cross Ref]
2. Cherkin DC, MacCornack FA, Berg AO. Managing low back pain--a comparison of the beliefs and behaviors of family physicians and chiropractors. West J Med. 1988;149(4):475–80. [PMC free article] [PubMed]
3. Gaumer G. Factors associated with patient satisfaction with chiropractic care: survey and review of the literature. J Manipulative Physiol Ther. 2006;29(6):455–62. doi: 10.1016/j.jmpt.2006.06.013. [PubMed] [Cross Ref]
4. Chapman-Smith D. Cost-Effectiveness Revisited. The Chiropractic Report. 2009;23(6):1–8.
Dagenais, Simon, et al. “A Systematic Review Comparing the Costs of Chiropractic Care to Other Interventions for Spine Pain in the United States.” U. S. National Library of Medicine: National Institutes of Health, 19 Oct. 2015, www.ncbi.nlm.nih.gov/pmc/articles/PMC4615617/.
Oakland University, Rochester, MI, School of Business Administration. “A Comparison of Health Care Costs for Chiropractic and Medical Patients.” U. S. National Library of Medicine: National Institutes of Health, June 1993, pp. 291–299., www.ncbi.nlm.nih.gov/pubmed/8345311.
Shekelle PG, Adams AH.
The Appropriateness of Spinal Manipulation for Low Back Pain: Project Overview and Literature Review
Santa Monica: RAND; 1991. R-4025/1-CCR-FCER
Lin C-WC, Haas M, Maher CG, Machado LAC, Tulder MW.
Cost-effectiveness of guideline-endorsed treatments for low back pain: a systematic review
European Spine Journal. 2011 [ePub ahead of print]