Anyone use a chiropractor? Need help ASAP

Dr. Perry Kirch in Garner (corner of 50 and Timber Dr.). None better than him and he doesn't try to sell you a big plan, it's go as needed. Most of the time I only need 2 visits to be on the go again!

 

I have always had great results with chiropractors so I support them fully. Adam Seay (seen his add on this site) is pretty good and really reasonable. I vote no for Ferez, unless you want an assembly line mentality.

I always try to get a second opinion when not comfortable with what I am being told. A chiropractor cannot predict the number of visits just like obama cannot lead a nation.

 

I bought mine at the health store in the plaza across Walmart behind Starbucks on 70 in Clayton. At the time they did not sell the tart, they had black cherry concentrate. That worked just as well. My sister picks up the tart cherry concentrate at Harris Teeters. It has to be the concentrate (not the type you make juice out of, it is very thick and syrupy).

 

I agree that a chiropractor can't "predict" the number of visits a person will need to get better. But, let's do keep in mind that they are specialist, trained in chiropractic care. They certainly can estimate an amount of care needed, just like an MD can safely assume you need an antibiotic for 7 10 or 14 days. Its an estimate based on whats customary for your condition.

I would much rather know up front what will likely be needed to get me well and what my financial commitment would be.

 

I suspect your insurance will pay for 26 treatments, hence, that is how many you "need".

 

:iagree::iagree:

 

you wrote:

"Like this: your total services cost 3000. 2400 is deductible so there is 600 left of which you now owe only 10% ($60) your total out of pocket is 2460.

your total services cost 3000. 1200 is deductible so there is 1800 left of which you now owe only 10% ($180) your total out of pocket is 1380."


I guess what I don't understand is why, if my deductible is 2400, they say the amount I am responsible for is $2700. BUT, they said if my deductible is 1200, my bill would be $900 less or $1800. If the insurance company has contracted with them to accept a certain amount per service, wouldn't the amount not change? Even if I've already paid something toward my deductible with another dr., they still want to charge me 2700 because they say that's my deductible.

Does that make sense?

P.S. - I'm going to Dr. Williams in Benson.

 

OK, I see where the conflict is...

The doctor is being paid the exact same either way.

The difference is which agreement you made with your insurance company as to who pays what. If you are in contract with your insurance comapny to pay the first 2400 and then 10%, then thats your responsibility. They cover the rest at 90%.

If you are in contract to pay the first 1200 and then 10%, they cover the rest at 90%.

The doctor gets the same amount for his services in both scenerios. The difference is based on YOUR agreement with the plan you took out with the insurance company as to who pays what portion of that.

 

Also, of course YOUR bill would be less with a 1200 deductible... your insurance would start covering (paying) after 1200 instead of after 2400.

Also, if for any reason you pay a portion of your insurance deductible to another doctor, that will all reflect in your explanation of benefits, and THAT is the document that ultimately determines what you pay.

Hope this helped...

 

We can make it more concrete by putting hypothetical numbers in the examples. Let's say the total bill is $3,900, and you have to pay your deductible + 20% of the rest. If your deductible is $2,400, that leaves $1,500; your 20% of that is $300 for a total bill of 2,400 + $300 = $2,700.

If your deductible is $1,200, that leaves a balance of $2,700; your 20% of that would be $540, for a total bill of $1,200 + $540 = $1,740. There's $960 difference.

 

Thank you, 4Christ and KDsgrandma. I believe I understand it all now. I feel better knowing I'm not getting ripped off. I was losing sleep over this last night. Today is the first day I'm actually feeling like I can do something without being in terrible pain so maybe this treatment is working for me. I've got my fingers crossed. It's hard to not be able to do anything when you're an active person! Thanks again everybody.

P.S. - today Dr. Williams asked me about my questions regarding the insurance. I guess the office manager told him about my concerns. He was very nice about explaining things to me and making sure that I'm handling the cost the way I want to.

 

Have you actually gone to a back specialist/surgeon to be looked? I would steer clear of Chrio's.

 

Watch for the double copay days at Dr. Williams. I have been a fan of chiros for years, but that is waning. I got more relief from physical therapy.
My body repsonds well to chiro care, and I did get relief from Dr. Williams, but I cannot afford to go 3 times week.