Plummer Chiropractic and Accident Center Financial Policy
We Accept Most Commercial Insurances
We offer the best value in town. Our private-pay options may be better than your high deductible insurance as we keep treatment affordable. In regards to insurances we are a provider for:
- Aetna Medicare HMO
- Aetna Medicaid Adult
- Blue Cross Blue Shield
- Blue Cross Blue Shield Medicare
- Cigna within MultiPlan umbrella
- Cigna Medicare
- Humana Medicare
- Medicare traditional
- PHCS Network
- Any insurance policy within the MultiPlan umbrella
Once we have an opportunity to evaluate your case, we’ll explain what we’ve found and what we think it will take for you to get well, and just as important, to stay well.
Our experienced administrative staff will coordinate your care with your insurance company and will make every effort to work with you. We accept credit cards, private pay and have payment plans.
The new insurance reality for many Americans who do not have federal, state or union-backed insurance plans is that their plans carry a large deductible. Normally the deductible is around $6,200. It is now legal in Florida for people to “opt out of their insurance.” I encourage everybody to first use their insurance benefits when possible. We understand that determining your out-of-pocket expenses is what’s important to you.
We honor all physical therapy, massage therapy, and chiropractic memberships from out of town.
Insurance and Benefit Plans
Most of our patients (80%) have insurance or benefit plans that cover all or part of their visit. We determine your out-of-pocket cost before your appointment, ensuring transparency. Please note that advertised prices are before any insurance benefits are applied.
During a patient’s first visit we will inform you what your insurance plan will pay for and what your out of pocket expense will be and you can decide what you want to do.
We refer patients to different imaging centers that will give you a huge discount on any imaging studies you need such as an MRI or X-ray. We belong to the Florida Professional Coop for highly discounted laboratory testing. I will order any laboratory test you need without a huge mark-up.
These services are great for patients, including our foreign visitors or snowbirds, that need testing but have huge deductibles or are out of network or simply want to pay out of their pocket without going through the waiting period for managed care to ok their procedure.
I believe that from the doctors perspective being affordable and being able to pay my overhead have to be considered. I believe that the value of the treatment should be based on its ability to heal a condition. Sometimes that only takes a couple of treatments other times much longer. I do have a bachelors of science degree in human anatomy and a chiropractic degree from the best school in the world.
I love it when I only have to see each patient one time and they are out of pain such as with a sacroiliac joint being out of place. It takes more visits to treat some one with horrible headaches caused by the curve in their neck being backward. For that we have to repeatedly adjust the neck and rehabilitate the muscles so the natural curve will come back helping the muscles to relax taking the pain away. I find myself going to peoples homes and treating them with proper nutrition and exercise three to five times a week so they can regain their strength.
Short term care plans work better for individual “joints” long term care plans work better for correcting the natural curves of the spine and helping regain there overall strength. Up until now I have been hesitant to offer anything but “joint” relief because I knew insurance companies would deny most other types of care. I treat many patients with problems of the feet ankles and knees with adjustments and the most modern heel inserts. I have been going to peoples homes who cannot get out, offering laboratory testing to determine the true illnesses of the people. and the list goes on. Most of it is partially paid for by insurance but my GOAL IS TO MAKE IT AFFORDABLE FOR EVERYONE; especially people who are shut ins and need me to come to their homes.
As a chiropractor my favorite condition to work on are people who have thrown out one of their sacroiliac joints. The patient will generally come in complaining of pain on the right or left side of his sacrum “the joints feel like dimples on each side of the the lower back “they describe the pain as stabbing.” I have noticed that walking on uneven surfaces like the beach, carrying luggage or giving birth can force the joint out of place. It can be extremely painful. Normally the person lays down on my table and I set the bone back in place. My advice to the patient is almost always to ice it and come back when it hurts. It will hurt again if and when you throw it out again.
I have a patient in his thirties that occasionally throws it out. His insurance said he was covered for up to 30 visit’s a year. Even though each time he throws it out I will only see him once at most twice his insurance company denied all visits per calendar year after 6 visits they simply said it wasn’t medically necessary. I sent the information above to the insurance company in simple and doctor talk. They didn’t care they still denied care again. I don’t know of any patient with this insurance company who has received more than 6 visits even if their policy stated 40 or 50 visit’s a year no matter what their problem was including accidents.
28 Years of Experience
With 28 years of experience I can create a treatment plan informing the patient exactly what their total out of cost is based on our different treating options.
I am good at treating neck, back and joint pain and the problems that arise from those problems such as headaches, arm pain and muscle pain. I’m great at utilizing science based nutrition to improve a persons diet to lose weight or regain strength. Based on my experience I know about how long it will take to correct the problem.
Our goal is to be the best value in town!
