5. Do  you accept my insurance?
    We accept most insurance/plans as long as it offers chiropractic or acupuncture coverage, you may review our complete Financial Policy on this Website.

6. Is acupuncture covered by my insurance/plan?
    More and more insurance carriers or employee benefits plans are offering limited acupuncture and/or chiropractic coverage in the recent years, however for your specific policy or employee benefits plan, the best way to find out is to check with your insurance policy/employee benefits booklets/group insurance certificates/Summary Plan Description (SPD).  If you do not have any of these, you need to request for a copy of these documents from your employer/insurance company or you may call the 800 number on your insurance card or we will call to find out for you.
    We are surprised to learn that just in the past year most major insurance companies have reimbursed our acupuncture claims since acupuncture procedure was officially recognized as 97780, CPT Code for insurance billing, although each individual insurance policy or employee benefits plan may have different coverage provisions.
Unfortunately, Medicare presently does not cover acupuncture regardless performed by an M.D. or a chiropractor.

   One of the very important but most commonly ignored resource of possible acupuncture/chiropractic reimbursement for you, as we noted from some of our patients, is your Flexible Benefits and Medical Savings Accounts(MSA) provided by some employers, from which you may receive reimbursement. Acupuncture and chiropractic are covered under IRS code. You may contact your company human resource department or personnel for further specific information, or visit U.S. Department Of Labor - Pension and Welfare Benefits Administration Home Page for more information.

    Due to recent FDA reclassification of acupuncture from "investigational status" to "general acupuncture use", your insurance policy/employee benefit plan may not legally and automatically exclude acupuncture on experimental/investigational grounds, unless acupuncture was specifically named under exclusion/not covered services in your policy/plan booklets (SPD).  Always ask for specific page numbers and paragraph where it states acupuncture was not covered in your employee benefits booklets/insurance policy when you call to verify acupuncture coverage. If acupuncture is not specifically named as noncovered service in your policy/plan, you may have ground for future appeal of denial of acupuncture in accordance with federal law or state insurance law. Always consult with employee benefits booklets/SPD to verify accuracy of coverage information obtained from telephone.  If you do not have a current employee health benefits booklets/SPD, ask your personnel department or human resource department or employer for a latest copy.  Federal law requires a plan administrator to provide you with a copy upon your written request within 30 days, or facing a penalty of up to $100 per day.
   You may contact U.S. Department Of Labor, Pension and Welfare Benefits Administration(PWBA), for further assistance or Review PWBA Press Release: Know Your Health Plan: Secretary of Labor Launches Campaign to Tell Workers What They Need to Know to Get the Best Coverage [12/16/98]

   Please check at CNN/health/ Alternative Medicine:
Coverage for alternative treatments rises; trend has yet to peak

7.   Do you accept automobile injury or workers compensation cases?
   Yes, for most cases with verifiable insurance coverage.  Each case is handled on case to case basis.

8.  My insurance/plan participates certain PPO networks, do you participate any of PPO networks?

    Yes, we are the preferred provider for:
       BlueCross BlueShield of Illinois(#2206308)
       Private Health Care Systems (PHCS)
       Humana/Employers Health-- ChoiceCare/PHCS
      
    You may enjoy PPO discounts/savings and deferred payment obligation through these PPO networks.
Your insurance carrier/plan may have different names on your insurance card, please look for these PPO logo or PPO names on your insurance card.

9.  How much do you charge for your acupuncture or chiropractic services?
    Each case may require different types of evaluation and treatments.  A nonspecific quote may be confusing and misleading.  However it is our standard financial policy to disclose to you in writing our specific charges for each items and total services to obtain written authorization before any services rendered. Each acupuncture procedure may cost minimum $48.00, chiropractic procedure minimum $45.00, not including applicable office visit charge or other diagnostic x-rays or physical therapy charges.

10.  I do not want to make an appointment to visit your clinic yet, can I still communicate with you for my inquiries?
   Yes, you may submit your questions by email, fax, or use FREE CONSULTATION Form on this Website, we will answer your specific questions within two business days in most cases.

11.  May I ask for chiropractic treatment only at your clinic?
   Yes, not every case is treated with acupuncture at this clinic.  Approximately 50 percent of our patients receiving chiropractic only care with remarkable benefits.

12. How can I schedule for an appointment?
    You may call our clinic at numbers listed above, or make your appointment online for your free consultation or possible treatments, we will arrange an appointment at your convenience as soon as possible.