Bernd Chiropractic Financial Policy
Welcome to Bernd Chiropractic. We would like our patients to understand our fees and be satisfied that they are reasonable and equitable. Please note that payment is ALWAYS due at the time of service. We accept MasterCard and Visa and if necessary, we can take a postdated check. lf for some reason you cannot make payment at the time of your appointment, please discuss the matter with our receptionist (BEFORE BEING SEEN) so that a mutually satisfactory agreement can be arranged.
General Insurance:
Please note that Bernd Chiropractic is not affiliated with any Health Maintenance Organization (HMO) or Preferred Provider Organization (PPO). We wish to stress that the financial responsibility for services rendered rests with the patient (or responsible party), regardless of insurance coverage. As a courtesy, we will bill your insurance company for you, but do not take responsibility for knowing any patient’s eligibility, coverage, or benefits. Any amount left unpaid by insurance is the sole responsibility of the patient.
Medicare Part B:
Medicare patients are also responsible for payment at the time of service. As a courtesy, we will bill Medicare for you, and you will be reimbursed by Medicare directly. Medicare will typically pay for 12 adjustments per year and cover 80% of the Medicare approved amount after your annual deductible is met. Below is a breakdown of our Medicare charges:
| Service | Reimbursement from Medicare | Amount We Charge |
| Spinal Manipulation (chiropractic adjustment to the neck, upper back and/or lower back) | Medicare will typically reimburse patient 80% of this charge | $41.15 |
| Extraspinal Adjustments (anything other than the spine; i.e., rib, hip, etc.) | NOT covered by Medicare | $8.85 |
Other services NOT covered by Medicare include chiropractic X-rays, supplements, therapy modalities and supports. You are expected to pay for these services when rendered or purchased.
Medicare Advantage:
If you have enrolled in a Medicare Advantage plan (“MA” plan or Part C) in which another insurance company administers your Medicare benefits, this means Medicare no longer pays for your healthcare. If this is the case, we need to know this so that we do NOT bill Medicare on your behalf. As a reminder, Bernd Chiropractic is NOT a member of any Health Maintenance or Preferred Provider Organization, meaning you do NOT have the benefit of the Medicare coverage mentioned above, and would be directly responsible for any services rendered. If you have turned your Medicare benefits over to a Medicare Advantage plan, please indicate which organization below:
☐ Blue Cross ☐ Blue Shield ☐ Kaiser Permanente ☐ Other: __________________
Missed Appointments:
We require 24 hours’ notice when canceling or rescheduling an appointment. A $25 fee may be assessed if appointments are missed (or rescheduled) without the proper notice.