General Philosophy
We realize that every person’s financial situation is different. For this reason, we have worked hard to provide a variety of payment options to help you receive the care needed to enjoy a healthy lifestyle with respect to your budget.  We will work diligently with your insurance carrier to ensure you receive the best coverage available to you in your situation. 

Health Insurance (Major Medical)
We are current in-network providers for major health plans such as Medica, Health Partners, BCBS, Medicare, MN Medical Assistance, and Chirocare of MN.  Please contact our experienced insurance department if you have any preliminary questions about your coverage. 

Auto Insurance - No-fault or Personal Injury Protection (PIP)
When you are involved in an auto accident in Minnesota your treatment is almost always covered under an auto policy at 100% with no co-pays.  You do not necessarily have to have insurance of your own to qualify to receive medical benefits, but typically benefits are provided through your own auto insurance policy.  In accordance with Minnesota law your insurance rates cannot be increased unless it is proven you were more than 50% responsible for the accident. 

Our experienced staff can help you determine the appropriate insurance carrier that is responsible for payment of your treatment. 

Minnesota law gives you complete freedom to choose a doctor of your choice for treatment of injuries as a result of an automobile accident.

Workers’ Compensation (On-the-Job Injuries) 
We accept all workers' compensation carriers as viable insurance options.  There are some limitations set forth by the State on the number of weeks you can receive chiropractic treatment, however, deviations can be requested and granted based on your specific circumstances.  We have a strong understanding of any and all limitations which helps ease the process for you as a patient. 

Medicare 
We are in-network providers for Medicare in our chiropractic and physical therapy departments.  Chiropractic adjustments are authorized by Medicare without a referral, however, all other treatment must be referred by a medical doctor (MD).  X-rays, physical therapy, acupuncture, and manual therapy will not be covered unless you have a referral from your medical doctor within 60 days.  The only treatment that will be covered by Medicare without a referral from a medical doctor is a chiropractic adjustment. 

Cash, Check or Credit Card 
Acceptable payment options are cash, check and all major credit cards. 

Payment Plans 
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.