200 White Road STE 111
Little Silver, NJ 07739

No Insurance Needed

“Agood doctor is not cheap. And a cheap doctor may not be good….But a great doctor is fair, affordable, and desires a life-long relationship with those he has been given the privilege to serve.”

Why we are not in-network with your insurance plan.

I‘m often questioned as to why I do not go “In-Network” with health insurance or any other type of insurance at my office.

The reasons as to why I do not participate with your insurance are as follows:

1. The standard and quality of care I provide is the highest I can possibly give you. Insurance companies are not willing to recognize that, nor will they pay for this high quality and quantity of care. Insurance companies have very specific rules that say that they will ONLY pay for THEY DEEM medically-necessary care.

They specifically say that if the intent of care is to a) promote health, b) prevent disease, c) provide treatment for a chronic condition, or (I love this one) d. improve quality of life, it is medically-UNnecessary and should never be submitted for insurance consideration. So, between the fact that this type of care is not considered medically-necessary, and the fact that most people have higher copays and deductibles than my actual fee, it does not make sense to participate with insurance.

2. Insurance companies would require me to do procedures and tests that are not necessary for you to receive care at this office, wasting both your time and your money. My promise to you is that I will only do what is needed for you to receive care and refer you out to other doctors if you need anything more.

3. One of the key features of our office is predictable fees making the cost of regular chiropractic care predictable and affordable. You always know what your chiropractic budget is. Simpler fees make third-party insurance reimbursement unnecessary, even obsolete. 

4. Most insurance does not cover chiropractic care for children.  I am not willing to exclude the segment of the population that chiropractic care can benefit and impact the most. It is, and always will be, easier and less expensive to grow healthy children than to repair damaged adults.  

5. Because your relationship is with me (the chiropractor), and the chiropractor’s relationship is solely with you.  Accepting insurance takes you out of the process, the chiropractor’s medical decision process is directed by the insurance company, including the type and frequency of care. My fees and care are set so you know that my recommendation is based on your need and not their need.

6. Insurance companies select procedures and limit care offered by the chiropractor. Coupled with the bargain-bin healthcare plans and that many people are forced into these plans through the ACA act (Obamacare). I refuse to give the type of care insurance companies want most; quick, short-term symptom and disease care. This is always the cheapest alternative for the insurance company and most expensive to YOU!! Short-term symptom patch care not only costs more in the long run it also destroys your quality of life!! Chiropractic’s objective, as practiced in this office, is about improving the quality of your life and helping to enhance all aspects of your life throughout your whole life. 

For those reasons and more, I have chosen to not participate with any insurance. This decision has led to a better way for you to receive chiropractic care. By not having to deal with insurance companies, office costs are kept down, so I can offer everyone chiropractic care at fees that ALL people can afford.

We want everyone to be able afford the care they need. This allows you to receive the care you need at an affordable fee. It helps to remove the obstacle of finances in the doctor-patient relationship and allows me to focus on the “service” aspect of health care. Basically, this fee system also allows me to focus on what is most important – YOU!

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