Health Insurance- Fees for service have been negotiated by your insurance company and will follow the insurance company fee schedule that applies to chiropractic care. In most cases, you will only be responsible for your co-pay. Please be aware that Blue Cross Blue Shield and United Healthcare now only provide partial coverage for Chiropractic care.
Worker's Compensation - Payment will be made according to the worker's compensation fee schedule by your employer or the worker's compensation insurance company. There will be no charge to the injured worker.
Auto Insurance or Injury Settlement - Payment will usually be made by your auto insurance company if you have medical payments coverage or by your attorney at the conclusion of your injury case if you were injured by someone else. In some accident cases in which you were at fault, your health insurance will pay.
Health Insurance Information
Dr. Christopher May is a participating in-network provider for most insurance companies including Blue Cross/Blue Shield (PPO plans), Aetna, United Healthcare, Humana, MultiPlan, PHCS, Golden Rule, Beechstreet, and many others. If you are covered by insurance, you will only be responsible for your deductible, co-pay or co-insurance amount in most cases. Be aware that you may have a yearly insurance deductible that must be met before your insurance company will provide reimbursement. Blue Cross Blue Shield and United Healthcare now only partially cover Chiropractic care.
If unsure about in-network coverage through your specific insurance plan, it's always a good idea to verify coverage directly with your insurance company. Even within a particular insurance company, there may be different coverages provided for various insurance offerings. An example is Cigna, which self administers most of their PPO plans, but certain HMO, network, and point-of-service Cigna plans have unfortunately been downgraded to 3rd party administration to companies such as American Specialty Health which in most cases, provide decreased provider and treatment choice. In cases in which Dr. May is not a participating provider for your particular insurance plan, there are 2 options: (1) Some health insurance companies pay 60% or more for out-of-network care. In most of these cases, Dr. May will only require your normal in-network co-pay and will waive the remainder. (2) The cash payment at time of service reimbursement rates will apply if partial insurance payment is not made. For all health insurance in which Dr. May is considered an in-network participating provider, fees are determined by the insurance company reimbursement contract and vary with each insurance company. Health Savings Accounts are accepted as well which can help if you have a high deductible health plan. These Health Savings Accounts are usually set up by your employer and provide tax free money that will pay for all healthcare costs.
Auto Accidents & Work Injuries
Auto insurance medical payments coverage and attorney letters of protection are accepted. Dr. May can provide all needed Chiropractic care and will provide thorough documentation of injuries and treatment. Worker's compensation is also accepted. If you are injured at work, you should tell your employer that you would like to be treated by Dr. May as pre-approval for work injury treatment is required in most worker's compensation cases.