No Insurance Needed
At Pete’s Chiropractic we do not take insurance. If you have insurance and you would like to use it, please look at our payment options. 99% of the time it will cost you less to go with us even if you have insurance. We strive to keep our prices affordable for everyone, with or without insurance.
We do accept payment from health savings accounts ( HSA ) and flexible spending accounts ( FSA ). Other forms of payment accepted include cash, check, and all major credit cards.
Below are reasons why we do not accept insurance:
1. Most people do not have great insurance any way.
2. Health insurance does not cover regular chiropractic maintenance care
Health insurance is not designed to cover regular chiropractic adjustments, just like it is not designed to make sure you brush your teeth regularly and it does not pay for you to eat nutritious food. Everyone should be bushing their teeth regularly and everyone should be getting their spine checked regularly. You pay for your tooth brush, tooth paste, floss, mouth wash, and you take the time to brush your teeth. If you want your nervous system, the system that runs all others, to work as well as possible you will have to pay for regular chiropractic adjustments yourself. You don’t just brush your teeth when you have a cavity and you shouldn’t just get adjusted when your back hurts or you have some other symptom.
3. By not accepting insurance, we keep our overhead lower.
Taking insurance means doing a lot of paperwork and fighting with insurance companies to get paid. It is so bad most chiropractors higher someone just to deal with the insurance companies! By not taking insurance, we don’t need these extra employees. Less employees means we can pass on the savings to you.
4. We do not want an insurance company calling the shots.
When a chiropractor takes insurance, they are not only trying to keep your communication lines open, they are trying to keep the insurance companies happy. This can lead to a conflict of interest, as they are getting paid more by the insurance company every month than they are by you. If they do not do what the insurance company wants them to do, the insurance company may kick them out of their network. By avoiding insurance we avoid any conflict of interest.