Many of our peers choose to run a cash practice in order to avoid working with insurance companies. We believe that you already pay a lot of money for your healthcare and we want you to get as much out of it as possible. We also believe that it is important for us to work within healthcare to change their policies to recognize the value of our services. Unfortunately, many healthcare plans do not cover our amazing services or pay so little that we can not accept them. We currently accept the following insurance plans:

  • Fire and Police Disability and Retirement
  • Regence Blue Cross Blue Shield
  • Premera Blue Cross (BCBS of Washington)
  • ASH (American Specialty Health)
  • Providence
  • Moda
  • Cigna
  • Aetna
  • Health Net
  • Pacific Source
  • EBMS
  • First Choice Health Network
  • BridgeSpan Health Company
  • Workers Compensation
  • Automotive Insurance (PIP)

If your insurance is not listed you may still have Out-of-Network (OON) coverage.

Healthcare Insurance is a complicated world. We would like to think we know insurance plans in and out, but we are surprised every day by them. As such, it is your responsibility to know and understand your insurance coverage and deductible amount. When you book your first appointment with us, we automatically send you a cheat sheet that should greatly help the process of confirming your benefits with your insurance. You will need to confirm your benefits prior to your appointment and understand how your insurance bills. We have done our best to provide more information about billing here. Here is some terminology that may greatly simplify things when trying to understand your insurance:

  • In-Network (IN) – This means that we have signed a contract with your insurance company and agree to charge our services based on their fee schedule
  • Fee Schedule – A list of services and how much an insurance company is willing to pay for those services.
  • Out-of-Network (OON) – This means that we have NOT signed a contract with your insurance company. This is either because they pay so poorly for the services that we refuse to contract with them or, more likely, they are not allowing any more chiropractors to contract with them.
  • Deductible – This is how much you will need to pay before your insurance pays anything. You generally have a lower deductible for IN and a higher deductible OON.
  • Coinsurance – This means that your insurance will pay a certain percentage of the service and then you are responsible for the rest, even after you have met your deductible. They usually cover 80% for IN and 70% for OON. Please verify this with your insurance company.
  • Co-pay – Generally a small amount that you are required to pay for any visit to any provider
  • Chiropractic Benefits – If you have chiropractic benefits this means that you are ONLY covered for an exam and chiropractic manipulation. This does NOT include the movement therapy and soft tissue work that are a cornerstone of our treatment.
  • Physical Therapy Benefits – If you have physical therapy benefits this means you have coverage for movement therapy as well as soft tissue treatment.
  • CPT Code – A CPT code is a number that insurance companies use to label a treatment.
  • Unit – A unit is the amount of paid pieces being used. Generally speaking, a unit is a 15-minute block of a treatment being provided. We usually spend 30 minutes on movement therapy each visit, so this would be considered two units. Often times you may have a limit on units available under your healthcare plan.

Below, we have included the most common CPT codes, units, and costs used for an average follow up treatment.

  • 97110 – Therapeutic Exercise. 2 units. $110.

This is a KEY component to treatment as our entire model of health is based on movement.

  • 97140 – Manual Therapy/Soft Tissue Mobilization. 1 unit. $50

This allows us to focus on treating muscles and ligaments that may be contributing to your symptoms.

  • 98941 – Chiropractic Manipulative Therapy. 1 unit. $80

This allows us to use traditional chiropractic treatment.  This service only covers joint manipulation to the spine.

So, lets put it all together. A very common follow up treatment could be:

  • 2 units of 97110.
  • 1 unit of 97140.
  • 1 unit of 98941.

This visit would use a total of 3 units from your Physical Therapy Benefits and 1 unit from your Chiropractic Benefits.