Have questions about insurance?
START HERE.
START HERE.
We’ve mapped it out for you.
Insurance can be complicated—we get it. That’s why we’ve taken the guesswork out of it with a straightforward guide that breaks down exactly what you need to know based on your insurance type.
Whether you're coming in through your auto insurance, Medicare, workers comp, or you’re not using insurance at all, this page outlines what to bring, what to expect, and how your care will be covered.
Still have questions? Give us a call, we’re here to help.
Jump to Your Insurance Type
General Insurance
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
We’ll verify your insurance benefits in advance.
If you haven’t submitted your forms online, we’ll ask you to fill them out in-office before your appointment.
Bring With You:
Your insurance card (we’ll keep a copy on file)
Photo ID
Any completed paperwork
Referral form, if referred by another provider
What to Expect:
On arrival, you’ll review and sign the NWSS Insurance Form, which confirms your verified benefits.
Our front desk team will walk you through any questions and assist with any pre-authorizations, if required.
Coverage Breakdown:
Most plans cover chiropractic and therapeutic care depending on your policy.
Any non-covered treatments or cost-sharing (like copays or deductibles) will be discussed with you in advance.
Auto Injury
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
Make sure a medical claim has been opened with your auto insurance provider (or the provider of the vehicle you were in).
Complete your Auto Injury Form, including:
Adjuster or claim information
Date of Incident (DOI)
Your current health insurance (used when PIP funds run out)
Bring With You:
Insurance card(s)
Photo ID
Auto Injury Form details
What to Expect:
Our team will verify your PIP coverage and discuss how it applies to your treatment.
You’ll be responsible for tracking your own use of PIP funds.
Coverage Breakdown:
Chiropractic and therapy care are typically covered through PIP (Personal Injury Protection) for up to one year from the Date of Incident.
Once PIP is exhausted, coverage will transition to your health insurance or become your responsibility.
Medicare
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
No pre-authorization is required for your initial visit.
If Medicare requires pre-authorization later, you will be asked to sign an ABN (Advanced Beneficiary Notice) before receiving care.
Bring With You:
Medicare card
Photo ID
Coverage Breakdown:
Covers “medically necessary” spinal chiropractic manipulation at 80%, after your deductible is met.
You are responsible for the remaining 20% unless you have secondary insurance.
Exams and therapy treatments are not covered by Medicare.
Workers Comp
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
Request an 801 Form from your employer and complete it prior to your visit.
If this is your initial claim or you’re switching providers, you’ll also need to complete an 827 Form when you arrive.
Bring With You:
Workers Comp claim details
Completed 801 Form
Photo ID
Coverage Breakdown:
Coverage includes 100% of care for 60 days or 18 visits, whichever comes first.
If additional treatment is needed, a new referral from your primary care physician is required.
Chiro Health USA (CHUSA)
What to Expect:
You’ll sign the CHUSA Form upon enrollment. You may add dependents for free.
If you're opting out of insurance, you’ll also sign an opt-out form, which legally allows NWSS not to bill your insurance provider.
Coverage Breakdown:
CHUSA provides a discounted, time-of-service rate for all treatments.
Payment is due at time of service to receive the discounted rate.
Visit chirohealthusa.com for details or ask us during your visit.
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
Ask our front desk team about signing up if you're uninsured or your insurance isn’t contracted with us.
Bring With You:
Photo ID
CHUSA Form, if already enrolled
No Insurance / Cash Pay
What to Expect:
We’ll walk you through estimated costs before your visit.
Coverage Breakdown:
All visits are patient responsibility at 100% of fees
If we’re not contracted with your insurance or your provider doesn’t offer sufficient coverage, we offer a discounted option through Chiro Health USA. Ask us how to enroll at your next visit—our front desk team will be happy to help.
Before You Arrive:
After scheduling, you’ll receive an email with a link to set up your secure online patient portal, where you can complete intake forms and manage your account.
No forms required unless you’re opting into Chiro Health USA.
Bring With You:
Photo ID
NEED HELP?
Visit our FAQs or contact us. We're happy to walk you through your options and make sure you feel confident heading into your first visit.
