Insurance

Insurance billing can be frustrating and confusing for everyone involved... the doctors, the patients, the people working at the insurance companies. You aren't alone if you feel this way! Hopefully the below resources can help you understand your insurance and allow you to use it with confidence. 

Things are changing all of the time, so stay up to date on your policy! If your policy changes or if you get a new address, please let us know the next time you are in. If you would like us to verify your insurance benefits please give us a call at 331-307-7110 or email us at drlauren@drlaurenkeller.com. We would be happy to answer any financial questions you may have prior to coming in!

We are in-network with:

  • Blue Cross Blue Shield PPO

  • Blue Cross Blue Shield Choice

  • UnitedHealthcare

  • Aetna

  • Medicare Part B

Our Self-Pay fees are:

  • Initial examination (required prior to any treatment): $135

  • Existing patient examination: $50-90

  • Adjustments: $35-45 (depending on number of areas adjusted)

  • Extremity Adjustments (shoulders, elbows, wrists, hands, feet, knees): $35

  • Exercises: $35-70 (time dependent)

  • Acupuncture: $50 ($55 with electric stem)

Out of Network?

Of course you can still come in! Our goal is to make our treatment affordable and accessible for everyone. You are also able to use HSA or Flex Spending accounts to pay for these services. 

We can also provide you with a superbill which you can submit to your insurance for reimbursement if you have out of network benefits.

Explaining Insurance

Deductible

A deductible is the amount you pay for health care services before your health insurance begins to pay.

How it works: If your plan’s deductible is $1,500, you’ll pay 100 percent of eligible health care expenses until the bills total $1,500. After that, you share the cost with your plan by paying coinsurance.

Coinsurance

Coinsurance is your share of the costs of a health care service. It's usually figured as a percentage of the amount we allow to be charged for services. You start paying coinsurance after you've paid your plan's deductible.

How it works: You’ve paid $1,500 in health care expenses and met your deductible. When you go to the doctor, instead of paying all costs, you and your plan share the cost. For example, your plan pays 70 percent. The 30 percent you pay is your coinsurance.

Copay

A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service.

How it works: Your plan determines what your copay is for different types of services, and when you have one. You may have a copay before you’ve finished paying toward your deductible. You may also have a copay after you pay your deductible, and when you owe coinsurance. 

HSA and FSA

Yes, we are able to accept HSA or Flex Spending Cards for copays or out-of-pocket costs not covered by insurance.

Your First Appointment

Your first visit will last ~1 hour. You’ll be moving around, please bring or wear athletic clothes (shorts and a t-shirt, etc.). The first visit includes a thorough history and physical exam in order to determine the CAUSE of pain. The exam may include orthopedic tests, functional screenings to watch how you move, gait analysis, neurological testing, muscle strength testing, soft tissue assessment, and other exams as needed. If x-rays are warranted, Dr. Lauren will make the appropriate referral; however, most do NOT need x-rays to determine the root cause of pain.