Insurance & Payment

We Accept All Insurance. We Handle the Billing.

We're in-network with Horizon Blue Cross Blue Shield of New Jersey and Medicare. For every other carrier, we verify your benefits before your first visit and handle the billing on your behalf — so you don't have to navigate the paperwork.

In-Network

Medicare

We are a Medicare-participating chiropractic provider. Medicare covers spinal adjustment (manual manipulation of the spine) for the treatment of subluxation.

Includes:

  • Original Medicare (Part B)
  • Medicare Supplement (Medigap)
  • Most Medicare Advantage plans
  • Aetna Medicare
  • Horizon Medicare
  • United Medicare
Good news for Medicare patients with Supplement plans

Most of our Medicare patients carry a Medicare Supplement (Medigap) plan that covers the 20% Original Medicare doesn't, meaning the majority of our senior patients pay nothing out of pocket at the visit.

Out-of-Network

All Other Carriers

We accept all insurance plans even when we're not directly contracted. For non-contracted carriers, we handle out-of-network billing on your behalf.

Carriers we commonly bill out-of-network:

  • Aetna
  • Cigna
  • United Healthcare
  • Empire BCBS
  • Oscar
  • Most employer-sponsored plans
How it works: We verify your out-of-network benefits before your first visit and submit claims on your behalf. Your out-of-pocket cost depends on your specific plan's out-of-network deductible and coinsurance — we'll quote it for you before any treatment.
Special Cases

Auto Accident & Workers' Comp

We treat patients recovering from auto accidents and workplace injuries. The billing pathway is different from standard health insurance.

  • Auto accident (PIP): We do not direct-bill your auto insurance carrier. Care is billed to you or to your health insurance — coordinated as primary or secondary coverage. Call us before your first visit and we'll explain exactly how it works for your case.
  • Workers' compensation: We accept WC claims; please bring your claim number and adjuster contact info to your first visit.
  • Personal injury / attorney lien: Handled case by case; ask us before scheduling.
Our Approach

How we handle the billing side

Insurance shouldn't be the reason you don't get the care you need. Here's how we make it easier.

Verification Before Your First Visit

We verify your benefits in advance — not when you walk in the door. You'll know what your visit will cost before you commit.

We File the Claims

Including for out-of-network carriers. You don't fill out forms, you don't chase reimbursement — we handle it all.

Itemized Statements

If you need documentation for HSA, FSA, or your own records, we provide complete itemized statements on request.

Self-Pay Welcome

No insurance? No problem. We offer fair self-pay rates for patients without coverage, and we'll quote pricing up front before any treatment.

Don't See Your Carrier?

Call us before your visit and we'll verify your benefits

If your insurance isn't listed here, it doesn't mean we don't accept it. We accept all carriers and handle out-of-network billing on your behalf. Call us with your card handy and we'll tell you exactly what to expect.

Ready to Book?

Schedule your complimentary consultation

Bring your insurance card. We'll handle everything else.