PAYMENT POLICIES

Please understand that the contractual relationship is ultimately between a patient and his/her insurance company.  The Body Works Clinic will do its best to obtain detailed benefits information and file claims promptly and accurately in accordance with the terms of the provider contract of the health plans for which we are network providers.  However, the patient is ultimately responsible for the health care expenses incurred.  There are some issues with the health plans, such as administrative errors, delays, contract exclusions and limitations over which our clinic has no control.

The cost of your initial intake may vary but a general ballpark is $80 (intermediate level evaluation and no new imaging needed) to $180 (higher level evaluation and full x-rays).

If you have specific questions regarding your insurance plan, insurance coverage, or our payment policies, please contact us at (507) 263-2393.

Health Insurance...

A benefit of your HSA that you may not be aware of is that you can use your pre-tax dollars for deductibles, co-pays, co-insurances as well as for other health care expense that are not billed to insurance, such as nutritional suppliments and therapeutic massage if recommended by a health care professional.  Please ask our staff for details. 

Blue Cross Blue Shield: We are providers for Blue Cross and Blue Shield at all network levels.  If you have a straight copay, it will be collected at the time of service.  If you have deductibles and coinsurances, your portion of the bill will be collected after insurance processing. Some Blue Cross plans do not cover certain services such as therapies, non-spinal conditions and orthotics.

Medicare: For the traditional Medicare plan, please refer to the Advance Beneficiary Notice describing covered versus non-covered services.  Medicare generally covers spinal adjustments for acute conditions or acute flare-ups of chronic conditions.  For Medicare C plans contracted through a private insurance, we will contact your company to obtain details about your coverage.  Most Medicare private plans do not cover examinations, X-rays or therapies, and the treatment of chronic or ongoing chiropractic conditions.

Medical Assistance: MA plans will usually cover spinal adjustments and X-rays.  Examinations, therapies and supplies are not covered.   Care for chronic or ongoing conditions is not covered.  There is a limit of 6 visits per month allowed and 24 visits per year.   There are strict limitations on care rendered for children: coverage is provided for 30 days and neuromusculoskeletal complaints only.  Note: Our office will no longer be a provider for  South Country Alliance as of August 1st, 2010.

Medica, United HealthCare, Great West: We are providers for those health plans through their review company, Optum Health. All Optum contracted plans have exclusions for certain types of care: chronic conditions requiring ongoing care, non-musculoskeletal complaints, maintenance, wellness and preventive chiropractic care.

HealthPartners, U-care, Cigna: We are providers for those health plans through their administrator and review company Chirocare/Landmark.  They have extremely strict guidelines and many exclusions: no care for chronic, ongoing conditions, non-musculoskeletal problems, maintenance or wellness care.  We will do our best to inform you of how much of your care plan we expect to be covered. 

Other  health plans: There are too many health plans to list all of them individually.  The coverage for your specific  health plan will be checked at your initial visit and a bill will be sent to your insurance company within 30 days.  You will be billed for your portion of the charges once we receive an explanation of benefits from your insurance company.

Self-Pay Option...
Any patient can opt for this option for a variety of reasons ( no insurance, limitations of coverage, very high deductibles or copays,  do not wish to bill insurance )  The self-pay plan requires a one time fee that allows you to receive a discount on all services.  Under the self-pay option, services must be paid at the time they are received and no insurance is billed.  You can ask for a receipt if you need to turn in the charges to your HSA.

Workers’ Compensation...
Under MN law, you are eligible for Workers’ Compensation coverage if you can prove that you were injured at work.  You will need to fill out a First Report of Injury with your employer and the insurance has to accept liability.  You are allowed to choose your primary treating health care provider (although your employer has the right to get an opinion from their doctor as well).  Once you have started treating with a provider, you cannot change without authorization from the insurance company or without a referral from your treating provider.  Keep a mileage log to your appointments.  Chiropractic care is limited to 12 weeks.

Car accidents
If the accident occurs in MN, or if your car insurance is issued in MN, your medical expenses will be paid by your insurance company regardless of who is at fault.  Our staff can help you start a claim.  If you already have a claim open, please provide the staff with your claim number, claim address and insurance adjuster.  Remember to keep a log of your mileage to your appointments.