Insurance Billing:
For your convenience, ActiveLife Chiropractic offers patients the ability to utilize their health insurance plans. As a courtesy, we will contact your insurance to get a quote of benefits, but a quote is not a guarantee of payment. Payment can be affected by various factors; for instance, misquotes can be given, policies/coverage can change, and some plans require authorizations. We do not bill most secondary plans; if you have double coverage we can give you a superbill so your insurance can reimburse you.
We are a preferred provider on many insurance plans, and can bill insurance directly. We do not accept regular Medicare Part B or Supplemental Plans.
Here is a partial list of insurances we are in-network with:
• most Blue Cross/Blue Shield commercial plans
• Providence Health Plan, Intel-funded Plan and Public Employees Plan
• PacificSource commercial plans
• United Healthcare commercial plans
• Kaiser Intel Self-Funded plan
• most Moda commercial plans
• a few Medicare Advantage Plans
• Oregon Health Plan: pending application approval, probably in early 2026
Medicare Advantage Plans:
These are offered by private health insurance companies. They generally only cover spinal manipulation by a chiropractor to correct vertebral subluxation. (That does not include extra spinal adjustments such as adjusting ribcage or feet). Most only cover this spinal adjusting code, but now, some also cover the other services that we provide on most visits. When you call in to make an appointment, we’ll need to know the exact name of your plan, as well as the ID/Policy number and your date of birth. Before your potential first visit, we will check the benefits and let you know what is covered. Any non covered services, such as soft tissue work, will have a separate fee, in addition to your copay.
Non-covered services under Medicare Advantage Plans might include exam, office visit, massage and physical therapy modalities, all of which are codes we may use for your visit. If these are not covered by your insurance, we will notify you after checking benefits, so you will know in advance what you will have to pay out of pocket for. Prices for physiotherapy, massage or extra spinal adjustment codes may range from $25 to $55. Most visits range from 20-55 minutes, with an average of 30 minutes, and usually combine chiropractic adjustments with soft tissue work. Exam/office visit fees range from $94 to $150 for most commonly used codes.
Car Accident Cases:
We also accept MVA cases and bill them directly, after verifying it’s an open case with coverage.
Insurance plans we do not accept:
• regular Medicare plans including Medicare Supplemental plans
• Cigna
• Healthnet
• Kaiser plans that bill CHP network directly
• Tricare
HSA and High Deductible Plan billing:
We will bill your HSA plan, but will need to securely store your HSA card so that we can debit it directly for each date of service, until your deductible is met. With HSA plans, the insurance company does not pay us, or any medical provider, until the deductible is met.
If you have a non-HSA plan that has a high deductible, we will also need to securely store a card, so we can get paid until the deductible is met. The exception to this would be if we find that your insurance deductible does not apply to chiropractic or rehab services.
Benefits billed at the clinic:
Our clinic bills for service under these main categories: Chiropractic Manipulation, Specialist office visit, and Physical Therapy. Spinal adjustments that are not spinal, such as to the extremities or ribcage, are classified as physical therapy by most insurances.
Copays vs. Coinsurance:
Some benefits have a flat copay, such as $40/visit. Some have a coinsurance amount, such as 20% of the allowed amount. And some plans have a copay for some codes, plus coinsurance for other codes.
We realize that this can be confusing, as patients generally want to know exactly what their cost is. All copays, coinsurance, and deductibles are collected at time of service, unless a credit card is stored here. If a deductible needs to be met, that amount is due at time of service.
The clinic can not be responsible for appealing or disputing the way an insurance has processed payment on a claim.
Questions or concerns about financial policies can be directed to the clinic at 503-335-0449.