Insurance Coverage at Fink Family Wellness of Leesburg

Insurance is a chief concern among many Fink Family Wellness patients. Gone are the days when an insurance card was the equivalent of a blank check. Today, insurance companies scrutinize each and every treatment with the goal of trimming back expenses. At Fink Family Wellness of Leesburg, we believe it is vital for patients to understand what their insurance policy covers. This page of the Fink Family Wellness of Leesburg website will explain the basics of insurance reimbursement as well as the clinic’s policies with individual insurance carriers.

Fink Family Wellness of Leesburg is a preferred provider for the Blue Cross/ Blue Shield network, Aetna PPO and Medicare. We accept out-of-network reimbursement from most other carriers. This includes United Health Care, Cigna, Mailhandlers and most other major medical insurance carriers. Mamsi insurance is an exception to this clinic policy. Mamsi will only pay patients directly when they use out-of-network services.

What Is Out-Of-Network Insurance Coverage?
That depends entirely on the insurance policy. At Fink Family Wellness of Leesburg, we call and verify insurance coverage for each patient. We also encourage patients to call their own insurance company since it is their policy. For the most part, out-of-network coverage means that a deductible has to be paid before the insurance company pays a percentage of the treatment. Oddly enough, there are times that out-of-network coverage is better than in-network even considering the extra deductible. A patient may have a $40 co-pay for an in-network doctor and only a 10% co-insurance [which would be about $6 for a chiropractic visit) after satisfying a $200 deductible. With a little quick math, it’s easy to see that a patient with this coverage is ahead of the game with out-of-network insurance coverage after 5 visits. We agree it’s confusing. That’s why it is standard procedure at Fink Family Wellness of Leesburg to verify each and every patient’s insurance policy and explain their coverage in detail before they begin care.

Chiropractic and Insurance Coverage
Most major medical policies cover chiropractic treatment. Medical payment from auto insurance (Medpay) also covers chiropractic care. Workman’s compensation insurance also pays for chiropractic coverage in most cases.

Acupuncture and Insurance Coverage
Although it is changing slowly, most medical insurance carriers do not cover acupuncture. Assume it is not covered by your insurance policy unless you know otherwise. The acupuncture fee schedule can be found on the acupuncture page of the Fink Family Wellness of Leesburg website.

Massage and Insurance Coverage
Massage therapy is a cash service in the Fink Family Wellness of Leesburg clinic. The massage therapy fee schedule can be found on massage page of the Fink Family Wellness of Leesburg website.