Skip to content

Financial FAQs

General Payment Questions

Do you accept medical insurance?

We do accept medical insurance though we are only in-network with BCBS PPO.  For all other insurance companies, we can help you submit claims for our services but we require payment up front and then we can provide a superbill that you submit to your out-of-network insurance.  We do also accept Medicare through it 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.

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.

Can I use my insurance to cover clinical massage or Gyrotonic?

Insurance does not cover spa type massage, but depending on your plan benefits, you may have coverage for active clinical massage or Gyrotonic therapy. 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.  This is only applies to in-network insurance companies.

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

Currently, our massage therapists charge $50 for a half hour or $100 for an hour. Gyrotonic is $110 per hour, $60 per half hour or packages of visits are available.

Do you charge for missed appointments?

At Active Body 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.  Each year we give everyone 1 free missed visit with the doctors or one 1 hour appointment with the massage therapists / Gyrotonic. After that we reserve the right to charge for missed appointments that are not canceled within 22 hours of the time of treatment.  You can cancel an appointment up to 12 hours in advance using our online scheduling and if someone fills your vacant spot we won’t charge you.  Otherwise we charge 50% of the self-pay cost of a missed visit.  No shows are charged 100% of whatever was booked.

What happens with non-payment of my overdue bills?

Please be aware that if your account is over 120 days due, any further appointment scheduling will not be allowed until the overdue balance is paid in full.  Any future scheduling will be at the discretion of the clinic

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 in submitting these charges to your insurance company so they can reimburse you directly. ABC will provide a superbill PDF with diagnosis and procedure codes directly to you for your own claim submission through your insurance website.

Do you accept Blue Cross and Blue Shield?

Yes. We are in network with BCBS PPO plans. You are responsible for any copays, co-insurance and deductibles with these plans.  We will submit your claims and assist you in any way we reasonably can to help ensure that those claims are processed correctly. 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 an email and text message pay request if there is a balance due. We strongly advise that you go to your insurance company website or call them 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 and some out of state plans follow the rules for chiropractors in that state, not Illinois. 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 (typically 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.

Financial FAQs at Active Body Chiropractic | (312) 922-9868