Insurance

Major Medical Insurance

Insurances are in network with are:

• Aetna
• American Specialty Health
• BCBS (Blue Cross Blue Shield)
• Cigna
• CHP
• Health Net
• Kaiser Addon Plan through First Choice
• Medicaid
  • OHP Kaiser (Requires a referral before care)
  • OHP Open Card
  • OHP Legacy Health/Pacific Source
  • OHP Providence
  • OHP Trillium
• MODA
• PacificSource
• Providence
• Regence
• United Health Care
• Veterans Affairs

It would be a great help to us for patients to know the deductible and copay of their insurance plans in advance! Verifying insurance plans is a courtesy but the more prepared you are for your appointment the more streamlined your experience will be.

Car Accident Claims

If you are unfortunately involved in a car accident, you are fully covered in Oregon with your car insurance through Personal Injury Protection (what we call “PIP”). If you are in a car accident, it is important to seek care right away to help facilitate your healing process. Even with a 5mph car accident you can sustain whiplash injuries.

Workers Comp Claims

If injured on the job, it is important to seek out treatment for your injuries. After reporting the incident to your supervisor, you can use your workers compensation insurance to get care at North Portland Wellness Group.

Before your visit keep in mind:

Insurance coverage can be complicated, but we can help you along the way. This is a list of things to consider regarding insurance:

• Our office can call and check your benefits for you, but it can take a little time for us. Typically by your second or third visit we will have verified your benefits and coverage.*
• You should call on your own to check too though; it’s important to stay updated on your healthcare insurance (the next area discusses some important details if you want to check on your own)
• Insurance plans change every year and each year your deductible restarts.
• If you haven’t met your deductible, your copay doesn’t kick in yet, but the money you spend with any of your doctor office visits is applied towards your deductible.
• Office visits will be more expensive until you’ve reached your deductible. After it’s met, you then just pay your copay amount.
• Initial visits are more expensive than follow-up visits.

Check With Your Health Insurance Company About:

• You may need a referral or need pre-authorization from your primary care physician. Some insurance companies require them and some don’t.
• What your deductible is, and how much you have paid into it.
• What your copay is and also how many visits you get per year. Often, your primary care doctor can prescribe more visits for you if you reach your yearly limit.
• If you’re wanting chiropractic treatments, it is important to see if your visits are also shared with other specialties like physical therapy or acupuncture.

Flexible Spending Account (FSA) or “Flex Plan”

An FSA saves you money by reducing your income tax. Before you receive your paycheck and your usual taxes are taken out, money for your FSA is taken out first, which then reduces your taxable income. These plans often save you a lot of money per year and you typically enroll with them in January; these are great plans because you will be reimbursed 100% for your office visits. Your employer owns your FSA account.

Health Savings Accounts (HSA):

These are just like a savings account, but the money you set aside from your paycheck is for medical expenses and it is never taxed. Almost everything, including dental, visions and even massage therapy is typically approved and qualified -tax free- medical spending. You receive a debt card and make your purchases through that. These accounts are more flexible and you control your own HSA account.

Verification of benefits and/or authorization does not always guarantee payment. Payments are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service.