Insurance is expensive, so you're probably wondering why a chiropractor in Manhattan KS is advising you not to use it. You pay for insurance, so you don't have to pay out of pocket. However, whether you do or don't have insurance, there are benefits to spending cash to pay for your appointment. 

Save Money

It sounds a bit bizarre, but you may actually save money paying out of pocket. What most healthcare providers and insurance companies don't tell you is that the price you pay without insurance is lower than what they bill the insurance company. Sometimes, it's beneficial to withhold your insurance information for this reason. 

An insurance company forces you to pay a deductible before the insurance kicks in. Not to mention, insurance might only cover a certain amount for treatments and testing. The amount you receive a bill for is oftentimes higher than what the insurance company covered. Because both the practitioner and the insurance company are for-profit businesses, the fees they charge are oftentimes high. For instance, a test may only cost $100 when the patient pays directly to the facility; however, the healthcare office may bill several thousand to the insurance company. The insurance company then advises the practitioner to bill the patient $1000 or more for the test. If you give your insurance information to your practitioner, they're obligated to use it, which means you're stuck with a much higher bill than if you would have paid for the procedure yourself. 

Saves Your Credit 

Let's say you get billed the higher amount after you pay with insurance. If you don't realize you were billed, forget to pay or are unable to make payments, the healthcare practitioner will turn the bill over to a collection agency, in return, lowering your credit score. 

Insurance Doesn't Cover Much Chiropractic Care

If you don't have insurance and are getting it just for your chiropractic care, you might want to reconsider. Insurance doesn't cover a great deal of chiropractic care in many cases. You could honestly find yourself paying a majority of the expenses whether you have insurance or not. 

Whether you have insurance or not, we at Nichols Chiropractic, serving Manhattan KS and the surrounding area, would love to ease your aches and pains and improve your overall health and wellness. We can discuss with you the best payment option for your care by calling us at 785-537-2211.