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Chiropractic and Insurance - Your Top 5 Questions Answered

Bellevue – We hear the following questions so frequently, we thought we’d share a little bit more about each so you can know how the staff at Cummins Chiropractic and Wellness would answer your insurance questions.  Hope you find it helpful!

1.  Does insurance cover chiropractic care?

The majority of insurance plans in Washington cover chiropractic care. However, to be sure of your exact coverage, we always do an insurance benefit check to let you know your chiropractic insurance benefit coverage. All insurance plans only cover care if you are having a specific problem or have pains that chiropractic will be used as part of your plan to help you get better.

Insurance does not cover chiropractic on a wellness basis, aka, you are feeling great and still want to have chiropractic care. For wellness needs, our staff can review our wellness plans to help you meet your health care goals.

2.  Why doesn’t insurance cover wellness chiropractic care?

Just like how insurance doesn’t cover gym memberships, brushing your teeth, nor wellness massages, insurance does not cover wellness or maintenance chiropractic care. Once a patient who has begun care in our office using insurance benefits reaches the goals of a treatment plan to get the patient out of pain or regain function, insurance will no longer cover the cost of care. If a patient would like to continue with care on a wellness basis, our staff will review this option and the associated costs at that time.

3.  Is Cummins Chiropractic and Wellness in network with my insurance plan?

Cummins Chiropractic and Wellness is in network with all the major carriers in Washington state. Dr. Cummins is a preferred provider with the following plans as well as others. Please call or email our office to have our staff provide a complimentary insurance benefit check and answer any questions you may have.

      • Aetna
      • Auto – Personal Injury Protection from auto accidents
      • Blue Cross and/or Blue Shield
      • Cigna
      • First Choice Health
      • Some Group Health Plans
      • Healthways
      • Labor & Industries (work injuries / LNI)
      • LifeWise
      • Medicare
      • Premera
      • Regence
      • United Healthcare
      • And more! Call our office to have get your complementary insurance benefit verification and answer any questions you may have! 425-590-9158.

4.  How much will my insurance cover?

Each insurance plan is set up differently, and benefits vary widely from plan to plan among the various insurance carriers. For New Patients we verify insurance benefits at the time of your appointment and will be happy to answer any questions and explain coverage at that time.

5.  What if I don’t have insurance?

We pride our clinic on having affordable treatment and let me tell you what a great value it is to be under the care of Dr. Cummins, he really is a talented chiropractor who cares for each and every patient. We have many patients who do not have insurance coverage. Dr. Cummins is very concerned about cost containment, as we are sure you are. He never does any tests or x-rays unless medically necessary. Each new patient appointment begins with a no-cost consultation to make sure you are in the right place and chiropractic can help. Because each patient has different health goals and concerns, Dr. Cummins is excellent at sharing what each treatment plan would cost so that you can make an informed decision if care is the right step for you.

Anyone wishing more information may contact Dr. Cummins, whose office is located at 4122 Factoria Blvd. SE, Suite 202, Bellevue, WA (telephone 425-590-9158).

Cummins Chiropractic and Wellness provides a natural and drug free solution to help neck pain, back pain, headaches and injuries from car accidents through chiropracticmassagedecompressioncold laserauto injury recovery, and creating wellness services for those seeking gold medal health in and around Bellevue, Seattle, Renton, Factoria, Issaquah and Newcastle.

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