Not pay for all of it. Not decide what care you should get. Just help. We're in-network with most of the major plans in the mid-Willamette Valley, we bill in-network and out-of-network as a courtesy, and we have a time-of-service rate for patients who'd rather skip insurance entirely. We're transparent about what we can estimate, honest about what insurance might do, and clear that you're ultimately responsible for the cost of your care.
You don't need to memorize a glossary. You just need to know four things. Tap each card to expand the explanation and a quick example.
The amount you pay out of pocket before insurance starts paying.
If your deductible is $1,500, you'll generally pay the full charge for medical care until you've spent $1,500 in a calendar year. After that, insurance starts contributing.
Example: visit charge is $150. You haven't hit your deductible yet, so you pay $150 — but that whole $150 counts toward the deductible.
A flat fee you pay per visit, regardless of the visit charge.
If your plan has a $30 chiropractic copay, you pay $30 every visit and insurance handles the rest. No math involved.
Example: visit charge is $150, your copay is $30 → you pay $30, insurance pays the rest.
The percentage of the bill you pay after meeting your deductible.
If your coinsurance is 20%, you pay 20% of each visit charge after the deductible is met, and insurance pays the other 80%.
Example: deductible already met, visit charge is $150, coinsurance is 20% → you pay $30, insurance pays $120.
In-network means we have a contract with your insurance company at a pre-negotiated rate. Lower out-of-pocket cost for you, simpler billing.
Out-of-network means there's no contract. Insurance may still pay something, but usually less, and your share of the bill is bigger. We can still bill out-of-network for you as a courtesy.
Best path: confirm we're in-network when you book. If we're not, ask about our time-of-service rate before assuming insurance is your best option.
Slide the inputs to match your plan. The estimate updates as you go. This isn't a binding quote — it's a teaching tool to show how the pieces fit together. We verify your real benefits before your first visit.
Don't see yours? Call us — we may be in-network with a related plan, or we can bill out-of-network for you. Either way, we'll verify your benefits in about 5 minutes before your first visit.
Even patients with great insurance run into this regularly: the service that would help most isn't on their plan's covered list. That doesn't mean you can't have it. It means insurance won't pay for it — you will. And that's okay. Plenty of people pay out of pocket for things their plan won't cover, especially when the alternative is going without.
Common examples we see:
For any of those, our time-of-service rate exists. HSAs and FSAs are eligible. The framing we want you to leave with: insurance is one funding source, not the gatekeeper to your care.
If you were in a car accident in Oregon, your auto policy almost certainly includes Personal Injury Protection (PIP) — minimum $15,000 of medical coverage, no-fault, for up to two years after the crash. We bill PIP directly. See our auto injury page for the full breakdown →
Insurance isn't always the best deal — especially if you're on a high-deductible plan, you have a plan that excludes chiropractic, or you'd rather not deal with claims at all. We offer a discounted time-of-service rate for patients who pay at the visit. For some patients, it's substantially cheaper than running care through their insurance. Call for current pricing — 541·753·1287.
HSAs and FSAs are eligible to pay for chiropractic care here, including against a deductible. If you have one, bring the card.
Workers' compensation: we don't accept workers' comp claims. If your injury happened at work, ask your employer or HR about an occupational-medicine clinic in the area, or call us — we can usually point you in the right direction.
We're in-network with BCBS, PacificSource, Moda, Medicare, Oregon Health Plan (OHP), Intercommunity Health Network (IHN), and VA Community Care via TriWest. If your plan isn't on that list, we may still be able to bill out-of-network — call us and we'll check in about 5 minutes.
Almost never. Oregon is a direct-access state, which means you can come straight in without a primary-care referral. A few specific HMOs do require referrals — we can verify yours when you book.
You'll usually pay the full visit charge until you've hit your deductible. The good news: every dollar you spend counts toward it. We share our best estimate of visit cost up front — final amounts depend on how your insurance processes the claim.
Three real options: (1) we'll verify your benefits up front so the cost is as predictable as we can make it (estimate, not guarantee — insurance has the last word), (2) ask about our time-of-service rate — for cash-pay or under-insured patients, we discount substantially when you pay at the visit, (3) HSAs and FSAs are eligible to use here, including against your deductible.
Yes. Chiropractic care is HSA- and FSA-eligible. Bring the card, swipe at checkout, done.
No — we don't accept workers' comp. If your injury happened at work, we can refer you to a clinic that does.
Yes. If you were in a car accident in Oregon, your auto policy almost certainly includes Personal Injury Protection (PIP), which covers chiropractic care for up to two years after the crash. We bill PIP directly. See our auto injury page for the full breakdown.
Many patients do — it can be simpler and sometimes cheaper than a high-deductible plan. We offer a time-of-service rate for cash-pay or under-insured patients. Call for current pricing.
Maybe — and we want you to know that up front. Benefits verification gives us a good estimate of what insurance is likely to pay, but it isn't a guarantee. Insurance companies can recalculate allowables, deny services, or process claims differently than expected. Ultimately, the patient is responsible for the cost of their own care. What we promise is that we'll explain the estimate clearly before you commit, bill insurance for you, and follow up on any pushback so you're not chasing the carrier yourself.
