What About Insurance?Listed Below Are Some of the Insurance Plans That We Accept At Our Office(we accept other plans too so if you don't see your plan, please call our office)
The following is a partial list of insurance companies that are accepted at our office. Please keep in mind that chiropractic benefits must be provided on your policy to be eligable for chiropractic benefits. Please call our office to confirm and/or to arrange an appointment.
- Aetna
- Auto Insurance - Medical Payments / Liability (confirmed)
- Beech Street
- Blue Choice PPO
- Blue Cross / Blue Shield (PPO)
- Cigna
- Coventry Health Care
- Evolutions Healthcare Systems, Inc.
- First Health Network
- Galaxy Health Network PPO
- Galaxy West Healthcare (One Health)
- Humana
- Integrated Health Plans
- Medicare
- MultiPlan / Preferred Plan of Georgia (PPOG)
- Nova Net
- PHCS (Private Health Care) PPO
- Pro-Net
- Promina Employee Benefit Plan HMO/POS
- Quality Healthcare Partnership (QHP)
- QRS Managed Care
- Self Pay Uninsured
- SouthCare
- State Merit
- Third Party Liability Injury/Attorney Lien (confirmed)
- United Healthcare PPO
- University Healthlink
- USA Managed Care (PPO)
UNDERSTANDING YOUR INSURANCE
Today there are so many different types of insurance plans available that if you are not an insurance agent yourself, you might find it confusing to keep up with all the different types of plans that are offered. That's why we would like to take this opportunity to give you a brief understanding of a few major policy types.
PPO (Preferred Provider Organization)PPO's are your traditional fee-for-service or indemnity plans. A PPO has contracts with a selected amount of doctors and hospitals in the community. PPO members can use the doctors and hospitals with in this network or they may go outside the network for care. However the enrollee pays more for going outside of the network. For instance, a PPO might pay 90 percent of the cost for a visit with a doctor with in the network but only 70 percent of a cost for a visit with a doctor outside the network.
POS (Point Of Service Plan)A POS plan is similar to an HMO in that members are assigned to a primary care physician that is in the POS network. Both PPO and POS members may go out of network for care by paying a greater share of the percentage. Open ended HMO's or PPO plans are designed to encourage the use of the network providers, yet they permit the insured to choose providers outside of the network or plan.
HMO ( HEALTH MAINTENANCE ORGANIZATION)
An HMO can be recognized as a health plan that provides healthcare to voluntarily enrolled members for a preset amount of money on a per member per month basis. An HMO is made up of two key elements. One that could place at least some of the HMO providers at risk for medical expenses. And one that uses PCP's (primary care physicians) as gatekeepers (not all HMO's do that). If a member seeks specialized care with out a referral form their primary care physician or if a member seeks care form a non participating (out of net work) doctor usually results in no payment for service by the payer organization.
There are Staff or closed panel HMO's which means they employ their own doctors and operate their own clinics and hospitals. Another type of HMO allows its enrollees to see doctors in their private offices. This is called IPA (Independent Practice Association).
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