Payment and Insurance Information

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The cost of medical care can be uncertain at times, we’re here to make it less complicated so you can be confident in your choice to get back to life and back to adventure. Below we have provided a list of commonly used terms in the insurance and medical billing world so you can better understand them as well as information on our payment options.

We offer complimentary insurance benefit checks.
Unsure about your insurance benefits? If you contact us with your insurance information then we will directly contact your insurance provider on your behalf, then provide you the estimated quote we get from your provider.

Insurances we accept:

We accept most major insurances including but not limited to:

  • Blue Cross and Blue Shield

  • Medicare

  • Aetna

  • Kaiser Permanente

  • Medicaid

  • Tri-care

  • VA

  • Worker’s Compensation

  • Health Savings Account (HSA)

  • Flexible Spending Account (FSA)

Is your insurance not listed here? Contact us to see if we accept your insurance, the list is always growing!

Don’t have insurance? No problem!

We also have excellent self-pay bundles that can save you a bundle! Check out this PDF for details. We also accept:

  • Care Credit

  • Cash, Check, or Credit Card (Visa, Mastercard, Amex, and Discover)

Have more questions? Contact our billing department at 208.777.4242 and we’ll be happy to assist you.

 

Premium

Here is an example…

You have researched health plans and rates and you have chosen one for $150.00 per month. In order to keep your benefits active, you will need to pay your premium on time every month.

Definition

A premium is the amount charged by insurance providers for coverage. Typically, this is paid monthly. You must pay your premium to remain covered by the insurance provider.


Deductible

Here is an example…

Your plan has a $1000 deductible. That means you will be required to pay your own medical bills up to $1000 for the year. Your insurance coverage will begin after the deductible is met. At the beginning of each year your deductible will reset.

Definition

A deductible is a set amount you pay every year toward your medical bills before your insurance company begins paying. This will vary for every insurance plan.


Coinsurance

Here is an example…

If you have an “80/20” plan, this means if your medical bill is $100 your insurance provider will pay $80 and you will be required to pay $20. Coinsurance is different and separate from any copayment.

Definition

Coinsurance is the percentage of your medical bill that you share with your insurance company after you have met your deductible.


Copay

Here is an example…

You have plan that has a $20 copayment for Physical Therapy treatment. This means you must pay $20 each time you visit a Physical Therapy clinic. Copayments are different and separate from coinsurance.

Definition

Your copayment is a flat fee you pay every time you visit a medical professional or fill a prescription. It is usually a relatively small amount. Copayments do not count toward your deductible.


Procedure Code

Here is an example…

We see you for visit where we work on strengthening. We send the code 97140, that the insurance company reads as Manual Therapy Techniques. They then reimburse us the amount they see fit.

Definition

A procedure code is the medical code that we send to the insurance company to receive reimbursement for your visit.


Allowed Amount

Here is an example…

You have Blue Cross Blue Shield insurance and we bill them for the code 97140, which is $90.00 worth of Manual Therapy Techniques. BCBS then tells us they will only pay $28.06 for that time.

Definition

An allowed amount is the amount an insurance company will pay us for different Procedure Codes that we bill to them.