We feel your health needs are paramount, therefore the following plans are available to allow you to receive the care you need without the worry of finances.
Time of Service Payments:
For our chiropractic patients who choose to pay at the time the services are provided, maintain their balance at zero and do not require us to bill to a third party, they will receive a 20% discount on all services provided that day. Because you are not requiring us to send a bill, attempt to collect payment, and/or await for payment, we pass these savings on to you. This does not include supplies or supplements. We accept the following credit cards. In most cases, our 20% discount is a better savings than the interest on your card, allowing you benefit in paying at the time of service.
Today most insurance policies do cover chiropractic care. With HMO's and PPO's variety of policies, it is difficult to determine what your coverage is. Due to restrictions applied to practicing physicians, this office has chosen not to participate in any HMO's or PPO's at this time. However, some will still cover our services without being a preferred provider. As all policies are different, we will need your insurance card to allow an audit for verification of benefits. This will provide us information on the type of coverage available, your yearly deductible requirements and the percentage of coverage for chiropractic. Once your deductible has been met, we will be happy to bill your insurance claim for reasonable and necessary services. The policy of this office is to collect, on the date of service, your required co-pay plus 5% to cover any discrepancies your insurance company may have regarding our charges. Any and all reimbursements will be directly credited to your account. All services rendered to you by this office are considered reasonable and necessary by the doctors of this facility. The charges for these services are within the usual and customary charges for like services in our geographic area. Any additional questions you have will be promptly taken care of by our business department.
If you were involved in an automobile accident, this office completely understands what you are going through regarding insurance, work, family and, of course, pain. The doctors of this facility have post-graduate education in the study of spinal trauma, collision reconstruction and whiplash injuries as a result of auto accidents and we know how to manage your injuries. The following information will help us take care of the insurance aspect of your case so you and the doctors can concentrate on your physical needs.
Personal Injury Protection
Personal Injury Protection (P.I.P.) is part of your automobile insurance policy. It is designed to take care of your health needs immediately after an accident. Following any automobile accident, you must file a Personal Injury Protection form with your insurance carrier. If you were a passenger in the car, you would file the P.I.P. form with the driver's insurance carrier. P.I.P. is a no-fault benefit, so it doesn't matter who caused the accident, you are still covered for reasonable and necessary treatment, as is everyone else in the involved vehicle. The following is a step-by-step guide to activate your P.I.P. coverage:
- Call the number on the back of your auto insurance card (or the card of the vehicle you were in). Ask your adjuster to take your Report of Loss claim.
- Ask your adjuster for the claim number and address of the claim office.
- Ask the claims adjuster to mail a PIP Application.
- Ask the claims adjuster if you have a deductible for your PIP.
- Complete the PIP application (or we can help you complete it) and bring it to our office to be copied. Then return it to the claims adjuster.
- If you have time loss, have your adjuster send a Salary Verification. Have your employer complete and return it to you. Mail it to the claims adjuster.
- Provide your claim number, adjuster's name, address and phone number to your health care providers with a copy of your PIP form.
We can help you with all of this to ensure accuracy. Without this completed, we can not allow credit for your care.
Workers' Compensation Insurance:
Oregon Law specifically states that if you are an injured worker then you have the right to receive care from the health care provider of your choice. This includes chiropractors and naturopathic physicians. Many times the employer will attempt to direct the injured worker to a different provider. This is against the law. Northwood Health Center has been a pioneer in the field of industrial medicine. In fact, the main design of this facility was centered around providing preventative and post-traumatic care to employees and returning them to work quickly. If you were involved in an on-the-job injury, please make sure the following requirements are met:
Notify your supervisor or manager immediately following an accident or injury, even if you do not think anything is wrong.
Have your employer provide an 801 form for Worker's Compensation Benefits. Fill out the 801 form and have your supervisor complete 801 form. Mail to Worker's Compensation carrier.
When you visit your health care provider, you and your physician are required to complete an 827 form for the Worker's Compensation Benefits. Have physician mail this to insurance carrier.
Currently in the state of Oregon, a chiropractor is considered a primary physician for Worker's Compensation for 18 visits or 60 days from the initial chiropractic visit, which ever comes first. If you have seen more than one chiropractor, their visits and time are accumulative. If, at the end of your 60 days, your doctor still feels you need additional care, they will likely refer you to a medical doctor to take over your treatment. If you have any additional questions, please feel free to ask your doctor or our business office.
At Northwood Health Center we are convinced that a small amount of your time and money to care for your most important asset--your health--will be far less time consuming and expensive than trying to recover it later. If you feel you do not have enough time or money to take care of yourself, please contact us to offer other options. The last thing we want is for you to come to our wellness center in crisis.
So please, we would like to encourage you to take your health very seriously. As the old saying goes, if you don't have your health, you don't have anything. Unfortunately, too many people don't discover how true that statement is until it is too late. Call Today to start your road to health.