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  Insurance & Payment Methods  
     
  Auto Accident insurance and Work Comp insurance covers chiropractic care at 100%. Most health insurance plans cover chiropractic care. Dr. Ross is a preferred in-network provider for most health care plans, and provides care for auto accidents and work comp. If your plan is not listed, call us:  
     
 
Health Partners Auto-accident car insurance
Preferred One Workman’s compensation injury insurance
Blue Cross Blue Shield United Health Care
Blue Plus & Blue Select Patient Choice
Medica Select Care
U-Care    
Minnesota Care
If you have questions about your insurance coverage, call us at 612-822-5973. You may also direct your questions to us via e-mail. jase@visi.com
MHP
Medical Assistance
CIGNA
Medicare
 
     
   
  Auto Insurance/No-Fault/Personal Injury Protection (PIP) :  
 
When you are involved in a car accident in Minnesota, your treatment is almost always covered at 100% with no co-pay. Benefits are normally provided through your own auto insurance policy; however you do not need an auto policy of your own to qualify for benefits. Auto insurance covers care at 100 percent. More information on Minnesota No-Fault Benefits.
 
     
   
  Health Insurance :  
 
Dr. Ross is a preferred in-network provider for most health plans; therefore typically health care coverage involves a co-payment, which is due at the time of service. Our office staff will contact your carrier on your first visit to verify the terms of your coverage.
 
     
   
  Workers’ Compensation (On-the-Job Injuries) :  
 
We accept all workers' compensation injury cases. Coverage is provided at 100 percent without co-pay. Our office staff understands workman comp coverage and will contact your carrier on your first visit to verify the terms of your coverage, which helps ease the process for you as a patient.
 
     
   
  Medicare :  
  We are in-network providers for Medicare. Chiropractic adjustments are authorized by Medicare without a referral.  
     
   
  Cash, Check or Credit Card :  
  Acceptable payment options are cash or check .  
     
     
  Payment Plans :  
 
We realize that every person’s financial situation is different. If some or all of your treatment is not covered by insurance, we can make payment arrangements that fit within your budget on a case by case basis depending on your financial situation.
 
     
   
  More Information Regarding Minnesota “No-Fault” auto insurance :  
 
If you are injured in Minnesota as a result of a car accident, your own car insurance company is normally responsible for payment of treatment you receive for the injuries.
In most cases these benefits will be through your own car insurance company irregardless of who caused the accident. Additionally, auto insurance coverage is typically primary to any coverage available through a health insurance plan. If the accident was not your fault, your insurance company cannot raise your rates because you injured and sought treatment.

If you are involved in a car-accident and have injuries, contact your insurance company. A claims adjuster will provide you with a claim number and billing address. If you are involved in a car accident and do not own a car or have car insurance, you will most likely have insurance coverage through the vehicle in which you were riding. Call us. We can help you with this insurance process if necessary.
 
     
     
  Basic Minnesota No-Fault auto benefits :  
 
1. Medical Expenses.Coverage for visits to hospitals, chiropractors, medical doctors, and other health care providers. When you arrive at your appointment, give us the name of no-fault insurance company, along with the name and address of the adjuster and the claim number. We will bill the auto insurance company directly. Since you are not going through your health insurance plan, you will not have a co-pay.
   
2. Wage Loss.If the doctor writes a note taking you off of work or restricting your work, your car insurance company is obligated to pay 85% of your wage loss up to a maximum of $250.00 per week.
   
3. Mileage.You have a right to submit a claim for mileage back and forth to your appointments. We will keep track of your visits to our clinic and can determine the number of miles in a round trip. You can then submit that mileage for reimbursement.
   
4. Prescription Drugs. Your auto insurance company will reimburse you for the cost of medications related to treatment of the car-accident injuries; you must submit a copy of the prescription from a doctor along with a copy of the receipt showing that you purchased the medication.
   
5. Replacement Serivces. If the doctor tells you that you should not do things at home, such as housework or yard work, and it becomes necessary for someone else to do that work for you, you can submit a claim for hiring someone else to do the work to the car insurance company.
 
     
     
 
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