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Frequently Asked Questions

Below are some quick answers to some of the common questions we get on various topics such as Treatment Methods, Costs and Medical Insurance usage. If you need more details please call or email us!

Treatment Methods

What is Active Release Technique (ART)?

ART is a hands on method that utilizes tissue tension on the muscles or fascia while using body movements to break up adhesions or ‘knots’ in the muscles. This method is a very effective form of muscle rehabilitation that usually gets very fast results.

What is Graston technique or IASTM (Instrument Assisted Soft Tissue Mobilization)?

Graston and other IASTM tools such as MyoBar are specially designed stainless steel tools that are used to detect and treat muscles that have become fibrotic or stiff. The tools break up adhesions that have built up in these areas. This can get rid of pain, restore strength, and improve motion.

What other treatment methods do your doctors use at Active Body?

Aside from chiropractic adjustments, Graston and ART we also utilize selective functional movement assessment, kinesiology taping methods using Rock Tape, McKenzie technique, Reflexive Performance Reset, Dry Needling and rehabilitative exercises.

What are Chiropractic adjustments? Are they safe?

Chiropractic adjustments are one of the safest and most effective ways to quickly restore movement to joints that are not moving correctly in the spine and extremities. When combined with other muscle techniques that we use at Active Body, adjustments usually feel great and get rid of pain fast!

What is Dry Needling? Does it hurt a lot?

Dry Needling uses acupuncture needles to directly target fibrotic areas (knots) in muscles to improve the blood flow. The needle makes a micro-lesion through the unhealthy tissue which triggers healing. The needles are so thin that they don’t feel sharp, usually it feels like pressure.

How many treatments does it take to get better? Do I have to sign up for huge packages of therapy?

The ‘Active Body treatment method’ which combines these techniques usually generates fast results. Patients usually see changes in a couple of visits and treatment regimens are typically 4 to 6 treatments for an area. We do not try to sell patients on huge treatment packages. We like fast results!

Clinical Massage

What type of massage do the therapists utilize at Active Body?

Our massage therapists are highly trained as Chiropractic assistants and combine hands on techniques with active therapies. This combo of hands on work with active movements is designed to help restore pain free movement. It is not a ‘spa massage’, it is designed to help you with pain.

Can I use my insurance to cover clinical massage?

Insurance does not cover spa type massage, but depending on your insurance company and your benefits, you may have coverage for active clinical massage. You must first be a patient of one of our chiropractors to be eligible since it can only be covered if it is part of a therapeutic treatment plan.

If I am not using insurance, how much does a session with a massage therapist cost?

Currently, our therapists charge $50 for a half hour or $100 for an hour. We do also have special rates that can further reduce the cost.

General Payment Questions

Do you accept medical insurance?

We do accept medical insurance though we are only in-network with BCBS PPO. We can send out claims for out-of-network insurance companies but we require payment up front. We also accept Medicare though Medicare only covers limited services. See our insurance section below.

Can I self pay for services? What is the cost?

When self paying you must pay at time of service. Prices depend on the services you get at the office. Examples:

  • New Patient Visit with doctor: $175
  • Regular Visit with doctor (typically 30 mins hands on) which includes all soft tissue work: $90. Good Faith Est. available.

Can I use an HSA (health savings account) or an FSA (flex spending account) for services?

Definitely! More and more patients have these kinds of tax exempt medical accounts and you can use that at our office for any of our services.

Insurance Questions​​​

​​In the following section, ABC refers to Active Body Chiropractic.

Do you accept Aetna, Cigna, Humana or United Healthcare? (or other out-of-network insurance)

We are out-of-network with these and all other insurance companies besides BCBS, however, any of these companies may still re-reimburse you for services at our clinic. You will need to contact your insurance company to see if you have out of network coverage. We do not accept assignment from out-of-network insurance companies which means that you will be responsible for providing payment at the time of service and ABC can assist you by submitting these charges to your insurance company so they can reimburse you directly. ABC will send all claim forms directly to your out-of-network insurance on your behalf for free if your insurance company accepts electronic claim submission. Alternatively, ABC can provide a superbill with diagnosis and procedure codes directly to you for your own claim submission. This is the extent of the aid ABC can be expected to give in helping to bill any out-of-network insurance company. If you request that ABC spend any extra time or effort in the future, in any manner, to assist you in the reimbursement process other than submitting an electronic claim or providing you a superbill, an additional compensation must be paid by the patient to ABC. Compensation for the additional times spent are at the rate of $25 per hour.

Do you accept Blue Cross and Blue Shield?

Yes. We are in network with BCBS PPO plans. You are responsible for any copays and deductibles with these plans. We will make a copy of your card and collect any co-pay that is due. We will submit your claims and assist you in any way we reasonably can to help ensure that those claims are paid. Your insurance company may need you to supply certain information to them directly. It is your responsibility to comply with their requests. After hearing back from your insurance company, we will send you a statement if there is a balance that we are to collect. We strongly advise that you contact your insurance company to discuss your benefit coverage for chiropractic services (such as CPT code 98941) and physical therapy done by the chiropractor (such as CPT 97110). Knowing your insurance benefits is your responsibility. Insurance coverage for these services vary greatly from plan to plan. We are always happy to help you with questions in determining your coverage but ABC cannot be held responsible if ultimately the insurance does not pay for services or provides false benefit information. Please be aware that some insurance plans may require pre-certification for chiropractic care. Make sure you understand your plan’s benefits before you come in for treatment.

If BCBS refuses payment or denies coverage:

We will gladly work with you and your insurance company to try to rectify any problems that arise. If ultimately the insurance company does not pay, however, you are responsible for your medical bills at Active Body.

If you are coming in for ‘Wellness/Maintenance Care':

Even though we believe wellness/maintenance care is a great idea for everyone, please be aware that insurance companies may not pay for it. Insurance companies only want to pay for a limited amount of your acute treatment visits with a symptomatic diagnosis. Insurance may also deem care to be unnecessary if therapy is not progressing at what they consider to be a satisfactory rate and will label this as maintenance care. In this case you will have to self pay for your services at our clinic.

Do you take Medicare?

Medicare patients have very limited insurance coverage at ABC. Medicare does not cover or pay for initial exams even though they require by law that these procedures are performed prior to the beginning of care. Medicare ONLY PAYS FOR CHIROPRACTIC ADJUSTMENTS to the spine and simple assessments. NOTHING ELSE is covered by Medicare. You will be required to self pay for any non-covered services (such as Exams, ART, Graston, Myofascial Release, Dry Needling). We do accept assignment for the chiropractic portion of your visit (covered at 80% by Medicare) but all other services will need to be paid at the time of service. Medicare supplemental insurance may cover the other 20% of the covered Medicare charge but will still not cover Medicare non-covered procedures. If you have a true secondary insurance you may have coverage for other Medicare non-covered procedures though you should be aware that most people do NOT have secondary insurance, supplemental insurance is the much more common type. Typically this means that Medicare will cover approximately $30 of the visit to our office.

Typical Costs for Medicare Patients (compare to our self pay rate):

  • New Patient visit $145 (…without Medicare this is normally $175)
  • ​Regular Visit with doctor (typicallly 20 to 30 mins) which includes soft tissue work: $60 (…without Medicare this is normally $90)

Do you take Worker’s Comp or Personal Injury cases?

We do not typically accept these types of cases and we do not accept assignment for these cases (we don’t take direct payment from the insurer). You can self pay at our clinic for these case types and we will gladly supply our medical notes to your insurer or lawyer for your case. We do make some exceptions to this for patients that we already know and have a long relationship with.

Other General Questions​​​​

Do you charge for missed appointments?

At ABC we do not like to charge people for missed visits but we have to do this for repeat offenders since we spend a lot of time with each patient thus missed visits are very costly to us. We reserve the right to charge for missed appointments that are not canceled within 24 hours of the time of treatment. We give a warning that the next miss will be charged. The fee is the self-pay equivalent of whatever was booked.

What happens with non-payment of my overdue bills?

Please be aware that if your account is over 90 days due, and if we have sent more than 3 bills with no response from you, your account will be subject to an in-house review. If at that time satisfactory payment arrangements have not been established, your account may be forwarded to a collection agency. At that point, any further appointment scheduling will not be allowed until the collection balance is paid in full and any future scheduling will be at the discretion of the clinic.

Visiting from outside the Chicagoland and want to come to our office?

We would love to see you and are happy to submit claims to your PPO insurance on your behalf. We do require a credit card be kept on file for billing purposes at your first visit. Due to some benefit limitations, some policies do not cover treatment outside of your home area. Please check your benefits with your insurance company before scheduling an appointment.


FAQ at Active Body Chiropractic | (312) 922-9868