• Finances

  • Financial Arrangements

    Payment is expected at the time services are performed. We accept cash, checks, Visa and MasterCard.Our primary concern is the health of your spine and nervous system. Nonetheless, we will be sensitive to your financial circumstances within the framework of sound business practices.

    Using Flex Spending Account (FSA) or Health Savings Account (HSA)

    Your employer may offer Flexible Spending Account (FSA) or Health Savings Account (HSA) which allows you to use pretax income set up the year before on medical expenses that are not typically covered by medical insurance. Recent studies have indicated that Flexible Spending Account is one of the most versatile but underutilized benefit offered to employees designed to lower out-of-pocket healthcare expense. Chiropractic, Acupuncture and Therapeutic massage fall under services that are allowed.
    How much of your pre-tax salary to be set aside for your FSA or HSA during open enrollment period depends on your estimated medical and dental expenditures (that may not be covered by medical insurance) to be incurred in the following year. Call the Human Resource Department of your Employer today or review your Employee Benefit Handbook to inquire open enrollment eligibility and set up Flexible Spending Accounts (FSA) or Health Savings Account (HSA) according to your budget

    What is a Health Savings Account (HSA)?

    A health savings account is a contribution account made by the employee using pre-taxed salary that is funded to pay for eligible medical expenses. It is tied to a specific type of health insurance plan called a high deductible health plan. HSA can be funded by either the employee or employer throughout the year and the funds do not expire and can be held onto until retirement by the employee for future eligible healthcare expenses. A key benefit for the employee is the contributions are tax deductible.

    What is a Flexible Spending Account (FSA)?

    FSA is very comparable to HSA in that it is a tax-deductible contribution to an account that is funded to pay for eligible healthcare expenses. FSA may be tied to a health insurance plan like a PPO and the contributions are tax deductible just like HSA. However, the key difference between FSA and HSA is that Flexible Spending Account is a “Use it or Lose it” account, typically by the end of the year. You would forfeit the unused funds.

    Above description of HSA and FSA is informational only and do not constitute financial or legal advice. Please check with your accountant or financial adviser regarding specific application in your situation and latest status of the relevant legal statutes.

  • Notice To Patients:

    Due to an exponential increase in the cost for insurance claim submission, we will be implementing an annual fee of $69.99 for all patients using insurance benefits for services in our office, effective January 1,2020.

    The annual fee will cover the extreme increase in claim submission fees via the insurance clearinghouse and allow us to continue to submit claims directly.

    We look forward to working with you in the years to come.