Insurance/Payment

Understanding insurance can be challenging, even for experts. Sometimes, your insurance card provides an idea of treatment costs, while other times you may need to contact the insurance company. You can email us a copy of your card with your name and birth date, and we’ll inform you about the likely costs at our office.

• Copay – A copay is a flat fee that the patient pays at the time of each doctor’s visit. Chiropractors are considered specialists for copay purposes.
• Coinsurance – Coinsurance is a percentage of the treatment paid by the patient for each visit. The amount due is calculated after applying the insurance discount.
• Deductible -A deductible is an amount paid by the patient in a year before insurance starts covering costs. Even if you haven’t met your deductible for the year, insurance discounts still apply. Sometimes employers contribute to an account to help with medical costs for plans with high deductibles.
• Husky or CT State Insurance – Husky plans in Connecticut do not cover chiropractic care for patients over 21. For patients under 21, Husky imposes obstacles on providers by requiring extensive paperwork and minimal reimbursement. As a result, it’s challenging to find doctors who accept Husky in places like Fairfield County. If you need care, please contact us, and we’ll help you receive treatment at an affordable cost.