Insurance & Payment Options

We work with most major insurance plans to make NUCCA upper cervical chiropractic care accessible for patients throughout Redmond, Bellevue, Kirkland, Bothell, and the greater Seattle Eastside. Our team handles insurance verification, billing, and paperwork so you can focus on your care rather than the administrative side. This page covers which insurance plans we accept, how we handle auto accident (PIP) and work injury (L&I) cases, what to expect if you're paying out of pocket, and answers to common insurance questions.

Insurance Plans We Accept

Back In Balance Chiropractic is a contracted provider with most major insurance plans in Washington State:

If you don't see your specific plan listed, please contact us at (425) 437-9974 or scheduling@backinbalanceredmond.com — we may still be able to work with your plan or provide out-of-network options.

Verifying Your Benefits

Before your first visit, we recommend verifying your specific chiropractic benefits so you have a clear understanding of your coverage and out-of-pocket costs. Here's how the process works:

1. Provide your insurance information when scheduling or during your first visit (insurance card + photo ID)
2. We verify your benefits — typically same day or within 1-2 business days. We check whether chiropractic care is covered, how many visits per year are allowed, what your copay or coinsurance is, and where you stand on your deductible
3. We review the details with you before starting care so there are no financial surprises
4. We handle all billing directly with your insurance company — you don't need to submit claims or paperwork

Auto Accidents (PIP)

If you've been in an auto accident, your Personal Injury Protection (PIP) coverage typically covers chiropractic care related to accident injuries — regardless of who was at fault. PIP is included in most Washington State auto insurance policies.

What we need from you for a PIP case:

• Your auto insurance information (policy number and claim number)
• Insurance adjuster's name and contact information
• Police report (if available)
• Date of the accident and brief description

We handle all PIP billing and paperwork directly with your auto insurance company. Whiplash and post-concussion syndrome are common presentations following auto accidents where NUCCA can provide meaningful care — see our Auto Injuries page for detailed information on how we approach post-accident care.

Work-Related Injuries (L&I)

For injuries sustained on the job, Washington State Labor and Industries (L&I) covers approved chiropractic care with no out-of-pocket cost to you. We're a contracted L&I provider and handle all L&I paperwork directly.

What we need for an L&I case:

• Your L&I claim number
• Employer information
• Date and nature of the injury
• Any communication from your L&I claims manager

If you haven't filed an L&I claim yet, we can guide you through the process during your first visit.

If You Don't Have Insurance

We work with patients who pay out of pocket regularly and offer payment options that fit various budgets. Your initial consultation is complimentary regardless of insurance status. Before starting care, we provide a Good Faith Estimate so you know what to expect financially, and we discuss payment plan options tailored to your situation.

For patients with high-deductible plans, HSA/FSA funds can typically be used for chiropractic care. Bring your HSA/FSA card or check with your plan administrator to confirm.

Pay Your Bill Online

Existing patients can pay bills online through our secure payment portal. Password required (see your invoice for details).

Common Insurance Questions

Does my insurance cover chiropractic?

Most major insurance plans include chiropractic coverage, though specifics vary significantly — annual visit limits, copay amounts, deductible requirements, and referral requirements differ by plan. We verify your specific benefits before starting care so you know exactly what to expect.

Do I need a referral from my primary care physician?

In Washington State, most insurance plans allow you to see a chiropractor without a referral (chiropractors are considered primary care providers within our scope). Some HMO plans require a referral — we can check your specific plan when we verify benefits.

How much will my visits cost?

Cost depends on your specific insurance plan, deductible status, and treatment needs. After we verify your benefits, we'll provide clear estimates before starting care. For patients paying out of pocket, we provide a Good Faith Estimate and offer payment plan options.

What if my insurance denies coverage?

If your insurance denies a claim or doesn't cover a specific service, we'll discuss the situation with you and explore options — including appealing the denial when appropriate, adjusting the treatment plan, or setting up a payment arrangement for the uncovered portion.

Do you accept HSA or FSA cards?

Yes. Health Savings Account (HSA) and Flexible Spending Account (FSA) funds can typically be used for chiropractic care. Bring your HSA/FSA card to your visit, or check with your plan administrator to confirm chiropractic is an eligible expense under your specific plan.

Does Medicare cover chiropractic?

Medicare Part B covers manual manipulation of the spine when medically necessary to correct a subluxation demonstrated by X-ray or physical exam. Coverage has specific requirements — we work within Medicare guidelines and can explain what's covered for your specific situation. Medicare Advantage plans (Part C) often have different benefits and may cover additional services.

Can I use insurance for the initial consultation?

The initial consultation is complimentary regardless of insurance. This means there's no charge for the initial visit whether you decide to proceed with care or not. If you decide to proceed and imaging or examination services are needed, those would be billed to insurance (with copays and deductibles per your plan) or discussed as out-of-pocket if you don't have coverage.

What happens if I change insurance mid-treatment?

Just let us know when your insurance changes and provide your new insurance card. We'll re-verify benefits under the new plan and update your account. Your care continues without interruption.

Have More Questions About Insurance?

We're happy to walk through your specific plan's benefits and answer any insurance questions during your free consultation. Contact us to get started or verify your benefits.