Examples of commonly accepted insurances
(If your plan is not on this list, we may still accept it – and just because it is on the list does not mean it will pay toward our services – it all depends on your specific policy.)
Please contact our office about insurance questions before your visit. Review our patient information, return to West LA Spine & Rehab, or find a clinic location on Google Maps.
3 components of your health insurances.
Deductible
This is the amount your insurance company expects you to pay out of pocket BEFORE they start paying according to your policy. It applies to all providers for the calendar year, so if you pay it to one doctor or facility, you do not have to pay it to anyone else for that year.
When there are services applied to the deductible, this means the clinic DID NOT get paid for those services. That is why the clinic collects those amounts directly from the patient. You never owe your insurance company the deductible. The only thing you ever owe them is your monthly premium. If for some reason you pay the clinic for deductible payments that were applied by another clinic, then that money is refunded to you.
Co-Pays/Co-Insurance
Your insurance typically pays for only a certain percentage of any service or procedure, the rest is your responsibility- this is called Co-Insurance. Or your insurance can specify a set amount you have to pay each time – this is called a Co-Pay. Either way, our clinic will always let you know what this amount is ahead of time.
Remember, our clinic is most likely NOT in-network with your insurance. This is a choice we make to insure that you are given the best possible care and that we have autonomy in the decisions we make regarding treatment.
Insurance Payments
Reimbursements from your insurance company to the clinic are made for the care you received in the clinic and are separate from the deductible and co-pays/co-insurance.
Depending on your insurance company, they will send payment for your services directly to our clinic or in some cases they will mail it directly to the patient. If they send payment directly to you, this means the clinic DID NOT get paid for your care. These reimbursement need to be brought in attached to the explanation to be applied to your account.
These payments ARE NOT to make up for what you have paid toward the deductible or co-pays – which are separate costs based on your coverage.
Why is our clinic not “in-network”
We do not want your insurance company dictating or interfering with the care you receive in our clinic. Nationwide, patient satisfaction with providers that are not contracted with insurance companies is significantly higher. This often has to do with the fact out-of-network providers place patient care, instead of insurance company cost priorities and mandates, as their primary concern.