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Posted on 01-31-2011
Welcome to ChiroHealth USA!
If you are considering joining ChiroHealth USA, you are among a growing number of people who are finding themselves uninsured, under-insured, or with limitations in their health plan.
Some state and federal regulations prohibit doctors from reducing fees or giving away services. Doctors are usually required to charge insurance companies and patients the same fees unless they are under a network contract for a lower fee. ChiroHealth USA is a contracted network that allows doctors to set and accept discounts on their services for our members. When you join the ChiroHealth USA program, you are entitled to similar "in-network" discounts just like the insurance companies. Your doctor is a member of this growing network of healthcare professionals who are dedicated to helping you get the care you need at a fee you can afford.
How does it work?
Simple! Your provider has entered into a contract with ChiroHealth USA to accept discounted fees or charges from their "usual customary and reasonable" (UCR) charges. By joining the ChiroHealth USA program, you immediately become a member of ChiroHealth USA and are eligible to enjoy these discounted fees. Your membership is just $39.00 a year and it includes you and your dependents.
Upon completion of the application, your provider will collect the enrollment fee and submit it to us for processing. Your membership card will arrive in a matter of days.
Can I use ChiroHealthUSA with my insurance?
Yes - if permitted by your health plan, and only for non-covered services or when benefits are exhausted. Fees you pay for non-covered services do not typically apply to any deductible or any out of pocket maximums you may be subject to under your health plan. Refer to your insurance plan or administrator for more information.
Are there times when my ChiroHealth USA card reduces my out of pocket expense?
Yes - but that will depend on your insurance policy.
Your payment using your ChiroHealth USA discount card may be lower than your insurance policy copayment.
Payment using your ChiroHealth USA discount card may be lower until you have met your insurance policy's yearly deductible. Payment using your ChiroHealth USA discount card will not apply to your deductible.
Refer to your insurance plan or administrator for more information.
If I decide to change chiropractors, can I use ChiroHealth USA in their clinic?
Your ChiroHealth USA membership will be honored by any ChiroHealth USA participating provider. Fees and discounts offered may vary.
Does ChiroHealth USA membership include my family?
Yes - Your membership includes you and your dependents.
How Will I know I have received the discounts allowable as a ChiroHealth USA member?
Most providers bill their normal fees and show a "contractual discount" on their receipts or bills. Others may have the ChiroHealth USA fee schedule and/or discounts posted in their clinic. Fees and discounts are explained at the time of enrollment. We maintain copies of our contracted providers' fees for verification of discounts upon member request.
This discount medical plan is NOT insurance, a health insurance policy or Medicare prescription drug plan. This plan (The Plan) provides discounts only on chiropractic services offered by providers who have agreed to participate in The Plan. The range of discounts for medical or ancillary services offered under The Plan will vary depending on the type of provider and products or services. The Plan does not make and is prohibited from making members' payments to providers for products or services received under The Plan. The member is required and obligated to pay for all discounted chiropractic services and equipment received under The Plan, but will receive a discount on certain identified chiropractic services from providers in The Plan.
You can call our office today for more information on this plan or stop by the front desk.
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