Insurance

White Marsh Health and Wellness Chiropractic & Physical Therapy is a participating provider for the following health plans:
• Aetna US Health Care
• Cigna HMO / PPO
• Blue Cross / Blue Shield
• United Healthcare (UHC)
• Alliance One Net
• Mailhandlers Healthcare
• Johns Hopkins Employee Health Plan
• Coventry
• Kaiser Mid-Atlantic
• Medicare
• MedStar

**We Accept Personal Injury/Motor Vehicle Accident Cases and Worker’s Compensation Cases

SECONDARY INSURANCE
Please inform us of any secondary insurance you may have. We will assist you if you need help in filing.

Group or Individual insurance
We attempt to take out as much of the “insurance hassle” as possible for you. We’ll happily telephone your insurance company to verify your coverage benefits. Please remember, however, that the benefits quoted to us by your insurance company are not a guarantee of payment. We will file your claim and await payment for 90 days. If your company pays the benefits they quote to us, the only services you will be responsible for are any non-covered services, deductibles or co-pays. If you have any questions at all regarding your financial responsibilities at our office, please do not hesitate to ask. Our insurance staff will be happy to assist you.

Patients without insurance
An increasing number of patients do not have insurance, or have plans with limited coverage, such as catastrophic policies. We realize that no one wants to build up a large bill. Therefore, we have several plans so those patients may receive complete care without undue financial difficulty. Many patients choose to pay directly for their visits with the Chiropractor and / or Physical Therapist, especially as they discover that Chiropractic / Physical Therapy care is actually extremely cost-effective and affordable. For these patients, Chiropractic care and Physical Therapy is often cheaper and more effective than alternative pain treatments such as pain medications or invasive surgery. The same can be true for Acupuncture.

“ON THE JOB” INJURY (Worker’s Compensation)
If you are injured on the job, your care should be paid for under your employer’s Worker’s Compensation insurance. You will need to inform your employer of the accident and obtain the name and address of the carrier of their insurance. If your employer does not provide us with this information, if a settlement has not been made within 3 months, or if you suspend or terminate care, any fees and services are due immediately.

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