Insurance Coverage
Updated March 2009

In an effort to help our patients better understand their Chiropractic Benefits, we have summarized some of the major insurance plans for this area. Please call our office if you have questions regarding your plan or if your plan is not listed below and we will be happy to give you an overview of your chiropractic benefits.

Apache County

No deductible to meet
$20 co-payment per visit
$10 additional Physiotherapy (may receive credit if only one modality)
$10 addt't Trigger point (may receive credit if only one modality)
$40 NP Exam
Maximum 26 visits per calendar year
Insurance will never pay more than $20 per visit

Blue Cross/Blue Shield-Misc

LCBHC $2000 ded, then 100% coverage, Trigger point Therapy covered
SES $500 ded, then 10% co-insurance (approximately $5-$15 per visit), Trigger point Therapy covered
Federal $0 deductible, $20 co-payment per visit, Trigger point Therapy covered
Most plans allow for trigger point therapy
Check various plan benefits for deductible information
Check various plans for co-payment or co-insurance

Cash Discounts

Cash discount may only be applied when payment is made AT THE TIME OF SERVICE!
New Patient visit $90 (includes $45 initial exam and $45 adjustment)
Follow-up visits will not exceed $45 (excludes nutritional and medical supplements)
$10 addt'l for Trigger point Therapy

City of St Johns

No deductible to meet
$20 co-payment per visit
Trigger point therapy covered
Maximum 20 visits per calendar year

Medicare

$135 calendar year deductible (approximately 4-6 visits)
Before Deductible is met: 98940 $24.12, 98941 $33.40, 98942 $43.71
20% Co-Insurance per visit: This means that after your deductible is met, visits will cost:
98940 $4.82, 98941 $6.68, 98942 $8.74
$45.00 for New Patient Exam and ABN Signed
$10 Trigger point Therapy
No benefit limit

Principle Mutual Life

Non Providers
Many plans have identical in and out of network benefits
Trigger point Therapy covered under plan provisions

Valley School District

$0 deductible
$15 co-payment
Massage therapy covered
$1,200 Max benefits per year

St Johns School District

No deductible to meet
$25 co-payment per visit
Trigger point Therapy Covered
Maximum $1,200 in benefits per calendar year

Salt River Project (4 options)

United Health Care Plan

No deductible to meet
$10 co-payment per visit
Trigger point Therapy Covered
Maximum 24 visits per calendar year

SRP Medical PPO (AEI BC/BS)

High Option / Option 1
$100 per person / $200 per family calendar year deductible
10% co-insurance per visit; this means that after your deductible is met, visits will cost approximately $5 - $15 per visit.
Trigger point Therapy Covered
Maximum $1,500 in benefits per calendar year.

Medium Option / Option 2
$300 per person / $600 per family calendar year deductible
10% co-insurance per visit; this means that after your deductible is met, visits will cost approximately $5 - $15 per visit.
Maximum $1,500 in benefits per calendar year.

Low Option / Option 3
$1,000 per person / $2,000 per family calendar year deductible
10% co-insurance per visit; this means that after your deductible is met, visits will cost approximately $4 - $15 per visit.
Trigger point Therapy Covered
Maximum $1,500 in benefits per calendar year.

State of Arizona (3 options)

RAN-AMN

No deductible (per human resource dept at State)
$10 co-payment per visit
Trigger point Therapy covered under appeal
Maximum 20 visits per year calculated Oct. 1 - Sept 30, not calendar year

Schaller Anderson

No benefits available, we are not participating providers

AZ Foundation

Non Provider
??? Deductible
30% co-ins, After Deductible met, this means $15-$45 per visit
? Trigger point Therapy

Town of Eager

$0 Deductible
$15- co-payment
Trigger point therapy covered, may be $10 addt'l
Physio therapy may be $10 addt'l
Insurance payment never exceeds $40 per visit, only one to two modalities covered

Tucson Electric Power (3 options)

PPO1 or PPO2

No deductible
$20 co-payment per visit
Trigger point therapy covered
Maximum $300 / 12 visits per calendar year whichever is met first

PPO3

No deductible
$30 co-payment per visit
Trigger point therapy covered
Maximum $300 / 12 visits per calendar year which ever is met first

UHC- Misc Plans

Rotech $0 ded, $25 co-pay, Trigger point therapy covered
Freeport $250d, 20% coinsurance (approx. $10-$20 per visit), Trigger point therapy covered
Ridgeway $??d, $20 co-pay, Trigger point therapy covered
Check various plan benefits for deductible information
Check various plans for co-payment or co-insurance