Insurance and other forms of payment

We accept cash, personal and business checks, and the following credit cards, debit cards and HSA/MSA and Flex Spending cards:

1. •VISA
   

2. •MasterCard
   

3. •Discover
   

If you are interested in the rates for our services, please click here: Rates 

Medical Insurance that we accept as “In-Network” Providers (Call if yours is not listed)

1. •Blue Cross Blue Shield
   

Levin and Chellen Chiropractic is proud to be recognized by BlueCross BlueShield as a Blue Distinction health care center. Blue Distinction recognizes doctors and healthcare facilities that focus on delivering value to patients with proven expertise in delivering specialty care including:

1. •The expertise of the medical team;
   

2. •The number of times the facility has performed the procedure; and,
   

3. •The facility’s track-record for procedure results.
   

Learn more about Blue Distinction: http://www.bcbs.com/why-bcbs/blue-distinction/

We accept, but are a “non-participating”* provider of the following:

1. •Medicare
   

 

*The term “non-participating” means we do serve Medicare insured patients and you may use your Medicare insurance.   We collect the fee for the visit at the time of your treatment and file your claim for you. You will be sent the reimbursement for qualifying services from Medicare and possibly from your supplemental insurance, if any, after the claim is processed by Medicare.

 

We also accept:

1. •No-fault Auto: for injuries associated with use or maintenance of a vehicle.  Your automobile no-fault policy includes personal injury protection, which is standard in Minnesota, and allows you to see any willing licensed provider for care of injuries sustained in a motor vehicle accident or injury associated with your vehicle. “Injuries associated with use or maintenance of a vehicle” may be a back sprain from lifting groceries out of the trunk or from doing maintenance work. Auto insurance carriers cover your treatments after an injury to get you back into your pre-accident condition.  We will submit your claims for you.  Please see our page on Auto Accident Injury Help.
   

 

1. •Personal Injury Insurance: for injuries associated with mishaps such as slips and falls. We will submit your claims for you.
   

 

1. •Worker’s Compensation: Worker’s compensation injuries are also covered by state law and allow you to see a chiropractor or other licensed provider of health care. Be sure you file a Report of Injury with your company prior to setting an appointment with us. Bring any necessary forms given to you by your employer to your chiropractic visit. Your doctor will determine with you whether you need to be given work disability restrictions and help you communicate with your employer regarding your injury and healing status. We will submit the claims to the insurance company for you.
   

 

1. •Out-of-network Plans: though we do not file your claim and payment is required at the time of service you may qualify for reimbursement by your insurance plan when receiving care in our office. We will provide a detailed Statement containing all information your insurance company may need to process your claim. (examples are Medica, Health Partners, United Health, Cigna, Preferred One)
   

If you have a BlueCross policy, Worker’s Compensation claim or Auto/No-Fault policy claim, we will verify your insurance benefits before your initial visit. When you call to schedule your first visit please have your insurance information available.

Other Types of Insurance

You may want to contact your personal health insurance company before your first visit to check your chiropractic benefits, which can vary for each personal health insurance policy. 

When We Are Not In Your Network of Providers:

Many of our patients choose to use our services even when we are not in their insurance network of providers.  They will often have “out-of-network” benefits in their policy.  These benefits are not always as good as they would be when using an “in-network” provider, but the benefit of using a provider found by referral from a trusted friend or family member often outweighs this.  Rather than  take your chances with a provider who you do not know and is in your network, consider the testimonials given by our patients who consider the care we provide as well worth the difference in cost.

For those patients using out-of-network benefits, we will provide a statement of fees paid which contains all the necessary information required by the insurance company in order to be reimbursed or have the claim applied to the deductible.  In most cases all you need to do is make a copy of the statement for your own file and send a copy to your insurance company’s claims department.

Be sure to contact your insurance company’s customer service to inquire about what out-of-network benefits you have on your policy.

HEALTH SAVINGS ACCOUNTS (HSAs)

An HSA is a special account you may open at participating savings institutions, such as banks and credit unions, into which you may place an amount of pre-tax dollars per year to cover qualified health care costs.  MSA’s, HSA’s and Flex Plans are similar, though they have differences.  All of these are acceptable and approved for use in our clinic.

Search the term Health Savings Account on the internet to learn more.  Paying for health care expenses with untaxed dollars is fun!

BEWARE! Some banks charge a lot of fees to have an HSA with them, while others don’t.  So, shop around.

 

Since 1997

Levin and Chellen Chiropractic

Minnetonka, MN 55345

(952) 474-1777

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