Billing Your Insurance:

 Billing & Insurance at Lincoln Square Chiropractic

Navigating insurance and billing for chiropractic care doesn’t have to be confusing. At Lincoln Square Chiropractic in Chicago’s Lincoln Square neighborhood, we’re committed to transparency and making the process easy to understand. 

I am In-Network with BCBS IL

Being in-network means I’ve agreed to discounted rates with your insurer. This could save you money compared to out-of-network chiropractors.

How Billing Works at Our Office

1. $20 Collections at Time of Service
This charge covers our billing process. It’s not at all your full cost—just a start so we can submit the claim.

2. We File the Claim for You
After your appointment, we send the claim to your insurance, detailing the services provided.

3. We Wait for the EOB (Explanation of Benefits)
Once processed, your insurer determines coverage and sends an EOB to you and us, which includes:

• Amount billed
• What insurance paid
• Your financial responsibility (co-pay or co-insurance)
   

4. Final Payment
Based on your EOB, we’ll let you know if there’s a remaining balance. You pay only what insurance doesn’t cover.

Insurance Terms Made Easy

Deductible: The total amount you pay out-of-pocket before insurance starts contributing. Check your plan to know how much is left.

Co-pay: A flat rate (e.g. $20–$30) charged per visit once deductible requirements are met.

Co-insurance: Once your deductible is met, your insurance and you share the cost. For example, 80%/20% split.

Out-of-Pocket Maximum: The most you’ll have to pay in a year. After reaching it, insurance covers 100% for the rest of the plan year.

Important Details You Should Know

You Must Verify Your Plan
Call ahead to confirm chiropractic coverage. Ask about:

• Chiropractic benefits
• Deductible and what’s applied
• Co-pay vs co-insurance structure
• Visit/treatment limits
   

We Don’t Confirm Benefits
Our $20 billing fee applies whether or not you have coverage. We don't verify your insurance ourselves—your call = your certainty.
 

Check Limits and Prior Authorizations
Some plans limit chiropractic visits or services. Others require pre-approval before receiving care.
 

Coverage for Accessories/Products
Some plans may cover supplies like braces or pillows. Ask your insurer if these are included.
 

No-Shows and Late Cancellations
Missed appointments or late cancelations may incur a fee. Check our cancellation policy in the New Patient Info section.

FAQs 

Q: Is out-of-network care an option?
A: We’re in-network only. You’d pay full price and seek reimbursement if allowed by your plan.

Q: What if I don’t have insurance or it’s out-of-network?
A: We still offer the $20 billing and adjust based on your situation—ask us for cash-pay options.

Q: Can I use HSA or FSA funds?
A: Yes—chiropractic care is considered an eligible medical expense by most HSA/FSA plans.

Q: What if insurance denies payment?
A: We’ll work with you and your provider to appeal if appropriate. You remain responsible for undisputed balances.

Insurance doesn’t have to be tricky. At Lincoln Square Chiropractic, we make sure your visit is focused on health—not paperwork. Got questions about a specific treatment, visit limit, or deductible? We’re here to help.

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