Insurance Reimbursement and Payment Options in Edina, MN
The short answer is that we do not bill health insurance. Here is what that actually means for your wallet, including the paperwork we hand you so your own plan can pay you back, the accounts you can spend here today, and the one kind of insurance we do bill.
Do you take my insurance?
For health insurance, no. Not Blue Cross, not Aetna, not UnitedHealthcare, not any of them. Aervita is a cash pay clinic, so you pay us at the time of service and we do not send anything to your health plan.
We want to say that in the first paragraph rather than the fine print, because it is the question everybody calls to ask.
Auto insurance is the exception. If you were injured in a car accident, Minnesota no fault coverage pays for chiropractic examination and care, and we bill your auto insurer directly for that part of your treatment.
Why a clinic would choose to work this way
Insurance contracts decide how long a visit can be, how many visits a patient is allowed, and which services count as legitimate. Almost everything we are known for, hyperbaric oxygen, red light therapy, Pulse PEMF, functional medicine and the lab work underneath it, sits outside what any health plan will pay for at a clinic like ours. Building the practice around insurance rules would mean building a much smaller practice.
So we took the other road. You know the price before you book it, the doctor decides the plan of care with you, and nobody needs prior authorization to get in the chamber.
The honest tradeoff is that the money leaves your account first. The rest of this page is about the four ways to soften that.
Pay at the time of service
One clear price, card or cash, with a payment plan available on larger plans of care.
HSA and FSA welcome
Spend those dollars here today on any service. No claim, no deductible, no waiting.
Coded superbill on request
An itemized bill with the real procedure and diagnosis codes, so you can file your own out of network claim.
Auto accidents, we bill it
Injured in a car accident in Minnesota? We bill your auto insurer directly for chiropractic care.
Honest talk
What is realistic to get back, and what is not
We would rather tell you this now than have you learn it from a denial letter six weeks from now.
Chiropractic examination and care can be reimbursed. These carry the standard procedure and diagnosis codes every insurer recognizes. Your superbill lists both the examination and the adjustment. If your plan includes out of network benefits and your deductible is met, many plans pay a share of it back to you directly.
Hyperbaric oxygen, red light therapy and Pulse PEMF cannot. Health plans treat these as wellness services and do not cover them at a clinic like ours. We will not write them on a superbill as something they are not. If another clinic tells you those services are reimbursable, ask them which procedure code they intend to use.
Protocol and program fees cannot either. A Rapid Recovery Protocol is a bundle of wellness services at a package price. There is no code for a bundle, so there is nothing to submit.
Lab panels work differently. When your blood is drawn for an outside laboratory, that laboratory bills you or your plan directly, and some plans apply those charges toward your deductible. Our fee for sitting down and interpreting the results with you is our fee.
That is the whole picture. The reimbursable slice is the chiropractic part, it is real, and for a patient on a good PPO plan it is worth the ten minutes it takes to file.
How out of network reimbursement actually works
None of this is complicated, but the order matters. Doing step one last is how people end up disappointed.
Check your benefits before you spend anything.
Call the number on the back of your card, or run a benefit check online, and ask four questions. Do I have out of network coverage. What is my out of network deductible, and how much of it have I met this year. What percentage do you reimburse after the deductible is met. Is chiropractic care a covered benefit under my plan.
Come in and pay at the time of service.
Care starts with the $84 Initial Health Assessment, a forty minute visit with the doctor. From there you and Dr. Faber decide together what actually makes sense for you.
Ask for your superbill.
A superbill is an itemized bill built for insurance rather than for your records. Ours carries the clinic name and address, our tax identification number and NPI, the date of each visit, the procedure codes for what was done, the diagnosis codes that justify it, the place of service, the amount you paid and proof that you paid it. We can email it to you or drop it in your patient portal. There is no charge for it.
File the claim.
You can complete your insurer’s paper form and mail it in, or you can use Reimbursify and be finished in about a minute. Either way, watch your plan’s filing deadline. Most plans allow somewhere between ninety days and one year from the date of service, and a claim filed late is simply denied.
Filing with Reimbursify
Reimbursify is a claim filing service built for patients of clinics like ours. You upload your superbill, it assembles the claim in the format your insurer wants, submits it electronically, and then tracks it. If a claim comes back rejected over something procedural, their team corrects and refiles it instead of leaving you to decode the letter. Reimbursements that are accepted are generally paid within a few weeks.
Two things are worth doing, in this order.
Have us check your benefits first. Fill out a short form with your insurance details and we will run the check, then get back to you with whether your plan has out of network coverage and roughly what it reimburses. That happens before you spend any money here, which is the whole point of doing it first.
Then file your claim. Once you have a superbill from us, the claim form opens already keyed to our clinic, so most of the fields are filled in before you start.
There is also a free Reimbursify app for iPhone and Android if you would rather file from your phone and keep all of your claims in one place.
The faster answer for most of our patients
If you have a health savings account or a flexible spending account, stop reading about claims and use it.
Those dollars are already yours, they went in before tax, and they can be spent at our front desk today on any service we offer. There is no claim to file, no deductible to satisfy first and nobody’s approval to wait on. Hyperbaric oxygen, red light, PEMF, lab panels, memberships and protocols are all ordinarily eligible, which is the opposite of how health insurance treats them.
Bring the card. If your plan administrator ever asks for documentation, the same superbill covers it.
Balances in a flexible spending account often expire at the end of the plan year, so December is a busy month here for a reason. If you have money sitting in one, spend it on something that helps you.
What your insurance card tells you
Three letters on the front of your card decide whether any of this is worth your time.
PPO
Usually worth filing
Preferred provider plans almost always include out of network benefits, which is exactly what a superbill is for.
- Out of network benefits are standard
- Reimbursement after the deductible
- File every visit or file monthly
HMO
Usually not worth filing
Health maintenance and exclusive provider plans generally pay nothing outside their network, so a claim comes back denied.
- Out of network care is often excluded
- Check before you file, not after
- HSA or FSA dollars are the better route
POS
Check the deductible
Point of service and high deductible plans vary. The out of network deductible is usually a separate and larger number than the one you know.
- Ask for the out of network deductible
- Nothing pays until you reach it
- Pair it with an HSA if you have one
After a car accident, we bill your auto insurance
This is the one place where we do the insurance work instead of you.
If you were injured in a motor vehicle accident in Minnesota, your own auto policy includes no fault medical coverage, and it pays for chiropractic examination and care regardless of who caused the crash. We bill your auto insurer for that care directly, so there is no superbill for you to file and no claim for you to chase.
The adjunct services are separate. Hyperbaric oxygen, red light therapy and Pulse PEMF are cash services at our clinic and are not billed to your no fault claim. If you want them alongside your care, they are priced the same as for any other patient.
Bring your claim number, your adjuster’s name and the date of the accident to your first visit and we will take it from there.
Payment plans, memberships and gift cards
Not every answer to cost is an insurance answer.
Payment plans. For a protocol or a program you can pay in full, choose a monthly payment plan, or apply for third party financing. Terms depend on how long your plan of care runs, so we will walk through the numbers with you rather than quote a monthly figure here.
Memberships. If you are here regularly, a membership is usually cheaper than paying per visit. The Wellness Membership runs $67, $126 or $219 a month depending on how often you come in, and Rejuvenate is $279 a month for red light and PEMF. Every price is listed on our pricing page.
Gift cards. A gift card is stored dollar value, works on any service, and never expires. People use them for family who would never book this for themselves, and they are a clean way to put a first visit in somebody’s hands.
Christian Healthcare Ministries, Impact Health Sharing and other health share plans
Health care sharing ministries are not insurance, and no clinic takes them the way a clinic takes a health plan. The answer here is the same for Christian Healthcare Ministries, Impact Health Sharing and every other sharing ministry.
You pay at the time of service and submit the bill yourself. Sharing ministries have no provider network and do not pay clinics directly. With us you are a self pay patient, which is exactly what the ministries tell their members to say at check in. Ask the front desk for your itemized receipt with the procedure and diagnosis codes and proof of payment, then send it to your ministry through its own submission process. There is no charge for the paperwork.
Whether it is shared is the ministry’s decision, not ours. Each ministry publishes guidelines that decide what counts as a shareable medical need, and they differ. Christian Healthcare Ministries has historically excluded bills from chiropractors and from providers practicing alternative, complementary or functional medicine. Impact Health Sharing shares chiropractic adjustments up to a yearly visit limit, subject to your personal responsibility amount, but lists alternative and naturopathic care as not eligible. Guidelines change, so read the current version and call member services about any service you are unsure of before you spend money.
What that usually means in practice. Chiropractic examination and care has the best chance of being shared because it carries standard codes. Hyperbaric oxygen, red light therapy, Pulse PEMF and functional medicine consultations are generally treated as wellness or alternative care and are rarely shared, the same way health plans treat them. HSA and FSA dollars, payment plans and memberships work for every patient, ministry or not.
Serving Edina and the southwest metro
Patients come to us from Edina, Bloomington, Richfield and St. Louis Park, from Eden Prairie, Minnetonka and the southwest metro, and from Hudson and River Falls in western Wisconsin. Out of network reimbursement works the same way wherever you live, because it depends on your insurance plan and not on your address.
Getting started with insurance reimbursement in Edina
Bring your insurance card to your first visit even though we will not bill it. We can tell you exactly what to ask your plan, and we can have a superbill ready before you leave. Call or text 952 213 6386 with a question about cost and you will get a straight answer from a person.
Insurance and payment questions
Do you take my insurance?
For health insurance, no. Aervita is a cash pay clinic, so you pay at the time of service and we do not bill your health plan. We will give you an itemized superbill with the procedure and diagnosis codes for your chiropractic care so you can file an out of network claim yourself and be reimbursed directly by your insurer if your plan allows it. Auto insurance is the exception. After a car accident in Minnesota we bill your auto insurer directly.
Do you take Christian Healthcare Ministries, Impact Health Sharing or another health share?
Not the way a clinic takes insurance, because sharing ministries have no provider network and do not pay clinics directly. You pay at the visit as a self pay patient, we give you an itemized receipt with the procedure and diagnosis codes and proof of payment, and you submit it to your ministry. Whether it is shared is decided by the ministry under its own guidelines. Chiropractic care has the best chance. Hyperbaric oxygen, red light, PEMF and functional medicine are usually treated as wellness or alternative care and are rarely shared. Check your ministry’s current guidelines before you spend money.
Will I definitely get money back?
No, and anyone who promises otherwise is guessing. It depends on whether your plan includes out of network benefits, how much of your out of network deductible you have met, and what percentage your plan pays after that. Some patients are reimbursed a meaningful share of their chiropractic care. Some are reimbursed nothing, because their plan has no out of network coverage at all. Checking your benefits before you spend money is the whole trick.
What is a superbill, and how do I get one?
A superbill is an itemized bill built for insurance. Ours carries the clinic details, our tax identification number and NPI, the dates of service, the procedure codes for both your examination and your adjustment, the diagnosis codes that support them, the place of service, what you paid and proof of payment. Ask the front desk and we will email it to you or put it in your patient portal. There is no charge.
Can I get reimbursed for hyperbaric oxygen, red light therapy or PEMF?
No. Health plans treat these as wellness services and do not cover them at a clinic like ours, and we will not code them as something else to make a claim look payable. If reimbursement matters to you, focus it on the chiropractic portion of your care and use HSA or FSA dollars for the rest.
Can I use my HSA or FSA here?
Yes, and it is the easier path. Those funds work at checkout on any service, with no claim to file and no deductible to meet first. Bring the card, and ask for a superbill if your administrator ever wants documentation.
I have Medicare. Can I be seen at Aervita?
Yes, and we want you here. Medicare patients are welcome for everything we offer, including hyperbaric oxygen, red light therapy, PEMF, functional medicine, lab work, chamber rentals and our examinations. There is one exception. We do not perform chiropractic adjustments for patients who have Medicare, including Medicare Advantage plans. If you want adjustments we will refer you to a chiropractor who is enrolled with Medicare and keep caring for you in every other way. Medicare does not pay for the rest of what we do at a clinic like ours in any case, so those are cash services just as they are for every other patient, and there is nothing for you to file.
Do you bill my auto insurance after a car accident?
Yes. Minnesota no fault coverage pays for chiropractic examination and care after a motor vehicle accident, and we bill your auto insurer directly for it. Bring your claim number, your adjuster’s name and the date of the accident. Hyperbaric oxygen, red light and PEMF are separate cash services and are not billed to the claim.
How long does reimbursement take?
Claims filed through Reimbursify are generally paid within a few weeks once they are accepted. Paper claims mailed to an insurer usually take longer. If a claim stalls, the follow up is with your insurance company, since the money is being paid to you and not to us.
What if my claim is denied?
Read the reason on the notice, because most denials are procedural rather than final. A missing code, a wrong subscriber number or a claim filed past the deadline are all common and some are fixable. Reimbursify corrects and refiles the procedural ones. If the denial is simply that your plan has no out of network coverage, there is nothing further to appeal.
Does filing a claim change what I pay you?
No. Our prices are the same for every patient whether or not you file. The $84 Initial Health Assessment is where care begins either way.
Can I pay over time?
For a protocol or a program, yes. You can pay in full, set up a monthly payment plan, or apply for third party financing. Terms depend on the length of your plan of care, so ask and we will go through the actual numbers with you.
Do you offer a discount for paying cash?
Our prices are already the cash prices. There is no insurance markup baked in and no separate rate for anyone.
Start with the assessment, then decide
Every plan of care here begins the same way, with a forty minute visit with the doctor at $84. Come in, get examined, and find out what is actually going on. If your insurance will reimburse a share of it, we will hand you everything you need to go ask them.
Aervita Integrative Medicine + Hyperbarics is a chiropractic led clinic in Edina, Minnesota. Dr. Jaron Faber is a licensed Minnesota chiropractor. Chiropractic examination and care are provided following examination and a chiropractic diagnosis. Call or text 952 213 6386.