New York Chiropractic Associates
With the onset of new insurance regulations and the recent changes in health care plans, we are now seeing higher IN-NETWORK DEDUCTIBLES, CO-PAYMENTS and CO-INSURANCE CHARGES. We are also finding some health plans as you knew them last year have been modified or terminated. Therefore we must now obtain credit card information and keep it on file.
Nothing will be charged to your credit card, unless your insurance company fails to pay the covered charges. Please be aware that an office visit or a procedure may be fully covered, yet the insurance may pay us nothing, as it may all go toward your new deductible. There may also be new added co-insurance charges in some cases.
We are obligated by law then to charge you the full amount. Under-charging is equivalent to us paying your co-insurance and deductible and both of us can be charged with insurance fraud and manipulation.
We strongly recommend that you be fully aware of your new deductible obligations, some are as high as $5000, and realize that many plans force you to pay higher out-of-pocket sums before the deductible is covered! Please check with your insurance company and realize there are now hundreds of different plans. We have found that even calling the insurer directly sometimes leads to incorrect information! Insurance is a for profit business, and you should know the details of your plan. We will continue to provide documentation and appeal your need for supportive or wellness care whenever possible.
Arthur Moy - Office Manager