Insurance & Payment FAQs

Insurance & Payment

Your Questions Answered

Understanding your insurance coverage before your first visit is important — and we want to make it easy. Below you’ll find straightforward answers to the most common questions we hear. If something isn’t covered here, our team is always a phone call away.

We believe your health decisions belong to you — not your insurance company. We’ll help you make the most of your benefits and be honest with you about where those benefits end and your options begin.

Which insurance plans does Back To Health Chiropractic accept?

We are in-network with most major insurance carriers, including:

• Blue Cross Blue Shield (BCBS)
• Blue Care Network (BCN)
• Priority Health
• United Healthcare (UHC)
• Aetna
• Cofinity
• Meritain Health
• Humana (select plans through Cofinity)
• Medicare
• Michigan Medicaid
• VA / Veterans Benefits

Coverage and benefits vary by individual plan. Our team will verify your specific benefits before your first visit so you know exactly what to expect.

How do I know what my insurance covers at a chiropractic office?

We take care of this for you. Before your first visit, our team contacts your insurance company directly to verify your benefits — including whether you have a copay, deductible, or coinsurance, and which services your plan includes. We’ll walk you through what we find at your first appointment so there are no surprises.

What’s the difference between a copay, deductible, and coinsurance?

Here’s a quick breakdown of the three most common ways insurance structures your out-of-pocket costs:

Copay: A flat fee you pay at each visit (for example, $30 per adjustment), regardless of the total charge.

Deductible: The amount you pay out of pocket each year before your insurance begins covering costs. Once you’ve met your deductible, your insurance kicks in.

Coinsurance: After meeting your deductible, coinsurance is the percentage of costs you share with your insurance — for example, your plan pays 80%, you pay 20%.

Your plan may use one, two, or all three of these. We’ll explain exactly which applies to you before care begins.

What does insurance typically cover at a chiropractic office?

Most plans cover chiropractic adjustments for active conditions — care aimed at addressing a specific problem such as back pain, neck pain, or an injury. Coverage often includes your new patient exam and, depending on your plan, may also extend to x-rays and select therapies.

Coverage varies significantly by carrier and individual plan. Some services — like extremity adjustments and certain therapies — are covered under some plans and not others. We’ll know your specifics before you arrive.

Do I need a referral to see a chiropractor?

Most insurance plans do not require a referral for chiropractic care. However, a small number of plans — including certain United Healthcare, Blue Care Network, and Veterans Affairs benefits — may require prior authorization before your first visit. If yours is one of them, we’ll let you know during your benefits verification call and walk you through exactly what’s needed.

What if my insurance doesn’t cover all of my care, or I’ve reached my visit limit?

This is one of the most important conversations we have with patients, and we want to be straightforward about it.

Most insurance plans are designed to cover care that addresses a specific problem. Once that problem is resolved, coverage often ends. But staying well — maintaining the gains you’ve made and supporting your body long-term — is a different phase of care, and most plans don’t include it.

Think of it like dental care. You don’t stop seeing your dentist once your cavity is fixed. Consistent wellness care works the same way — and the patients who commit to it long-term experience the most lasting results.

If you reach your benefit limit or your plan doesn’t cover the care that’s right for you, we offer affordable cash-pay options so your health journey doesn’t have to stop.

How affordable are the cash-pay rates?

Very accessible. Our cash-pay rates are designed to make ongoing care realistic for most families — not a financial hardship. The best way to get specifics is to reach out to us directly. We’ll walk you through your options so you can make the decision that’s right for your health and your budget.

→ Contact us to learn about cash-pay options

What if I don’t have insurance at all?

No insurance? No problem. We welcome cash-pay patients and offer transparent, straightforward pricing for all of our services. Reach out before your visit and we’ll make sure you have everything you need.

→ Contact our team

PREPARING FOR YOUR FIRST VISIT

The sooner we have your insurance information, the sooner we can verify your benefits — and timing matters.

If you’d like your benefits verified before your first visit , we’ll need your insurance information at the time you book your appointment. You can provide it over the phone when you call, or email us a photo of the front and back of your insurance card once you receive your new patient paperwork.

If we don’t receive your insurance information before your appointment, we won’t be able to complete your benefits verification until your Report of Findings visit. You’ll still be seen on day one — we just want to make sure your expectations are accurate going in.

Quick tip: Have your insurance card handy when you call to book. It takes 30 seconds to share the information and means we can have your full benefits picture ready before you walk in the door.

What do I need to bring to my first appointment?

To make sure your benefits are applied correctly from day one, please bring:

• Your insurance card — front and back
• A valid photo ID (driver’s license or state ID)
• Any new patient paperwork we’ve sent you ahead of your visit

Even if you’ve been a patient before, please bring your current insurance card. Plan details change, and having the most up-to-date information ensures your claims process without delays.

Still have questions?

Our team is here to help. Reach out to any of our three locations and we’ll get back to you promptly.

Zeeland: (616) 546-3500

Portage: (269) 345-2273

Muskegon: (231) 830-1111

Or send us a message online — we respond fast.