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An Explanation of Our Financial Policy

At Lifetime Health & Wellness we are passionate about what we do. We know that we have a calling to provide the highest quality chiropractic care for as many families as possible and, in that mission, to help lead families on a better path for a lifetime of health & wellness.   Studies have proven that chiropractic care can be extremely beneficial for all members of the family and not just adults experiencing neck pain, back pain or headaches.  Just as our services are unique, our financial policies have set us apart from mainstream medicine.   

With chiropractic care, insurance companies too often dictate a patient plan of care based on what is covered and not what is in the patients best interest for getting well.  Too often they deny care or place restrictions and limitations, sometimes on our patients whom need our care the most, i.e. expecting moms and children.  As such, we have decided not to contract with insurance plans and our providers are listed as Out of Network.  Additionally,  we do not accept insurance assignment for reimbursement or bills insurance claims directly  .

While we fully understand the financial challenge this may present for some patients, hopefully the below explanation helps to help answer some of the questions you or your family members may have regarding this difficult decision:

Why We Do Not Accept Insurance Assignment 

  • When clinics bill insurance companies directly, the doctors are required to become participating providers.  Doctors must sign a contract that allows the insurance company to determine which services they will provide and at what cost.  In general, insurance companies are not focused on any preventative or wellness services and typically impose strict limits or pre-approval processes for services based on their internal requirement for medical necessity.   Often times, insurance companies deny coverage for services after the fact, leaving both the patients and doctors in a difficult and unexpected financial situation.
  • Once contracted, participating providers must agree to accept the fees the insurance company establishes, regardless of whether that pricing is reasonable or customary.  Additionally, contracted providers are also then restricted from offering discounts to anyone outside of their network regardless of reason. 
  • We believe everyone has a right to excellent chiropractic care regardless on if they have insurance, are self-pay patients, or are a family otherwise in need.   
  • As a small family-owned business, we also believe our resources are best utilized pouring our time and energy into the care of each person and family member that walks through our doors and not allow the distractions and competing interests of managing insurance compromise or impact our patient care.

Out of Network Benefits, Health Savings Accounts (HSA), Flex Spending Accounts (FSA) Are An Option For You

  • Chiropractic services are a covered medical expense under current IRS tax guidelines, regardless of insurance coverage.  As such, you may use funds from qualified Health Savings Accounts (HSA) or Flex Spending Accounts (FSA) for any of the medical services received at Lifetime Health & Wellness.
  • Keep in mind that not being contracted with your insurance company does not necessarily mean you will not be reimbursed for services.  In many cases, Out-of-Network benefits can be comparable or even more flexible than In-Network benefits as they may not subject to the same restrictions or limitations.  Reimbursement will depend on your particular insurance policy.
  • Insurance policies are an agreement solely between the insurance company and the insured.  Each plan and policy is different.   Individuals are responsible to contact their insurance company regarding questions about their own coverage and benefits or applicable reimbursement procedures.
  • In an effort to simplify the process, Lifetime Health & Wellness can provide the necessary paperwork to submit claims to your insurance company.  Please request an appointment receipt or superbill as needed.
  • Some insurance companies request additional information.  We do not assist with insurance reimbursement above and beyond the receipt for the services rendered.
  • Medicare and Medicaid patients will not be able to submit for their services as we are a NON-PAR provider and cannot accept new patients with these insurance plans.

If you are searching for a prenatal or pediatric chiropractic in Naperville, IL we are your top resource for family wellness.  Please contact us if you have any additional questions or if you would like to schedule an appointment.