WHY WE DON'T 'PARTICIPATE'
NOTE: You may be entitled to out of network benefits from your insurance carrier.
The majority of insurance companies are in business to make a profit, not provide health care. Policies usually help with at least some of the expense of our sick care. Few policies pay for things that help us keep our health. For example: Many policies will pay for expensive back surgeries, but won't pay for a program of ongoing chiropractic care that costs less, and could actually help prevent back surgeries. And that's just the start. Some policies will help you with your chiropractic care when you have an obvious ache or pain, but cut off benefits before muscles and ligaments supporting your spine can fully heal, predisposing you to a relapse (and us to a non-satisfied client).
We continue to see increasing premiums for less service along with more paperwork, denials and red tape. Each year insurance companies expect clients to pay more and doctors to receive less, so they can make a huge profit. Dr. Yates and his associates are not against capitalism--we believe in it--however, we aim to see health care put back in the hands of clients and their physicians.
Our solution for this issue is affordable family health care, with all inclusive fees that can be paid for before you leave the office. If you have insurance, we provide you with documentation to file with your insurance carrier for out of network benefits to which you may be entitled.
WHY WE DO RECOMMEND SOME KIND OF HIGH- DEDUCTABLE INSURANCE
We do encourage all of our clients to purchase some type of health insurance to protect them from financial trouble if an emergency or hospitalization is required, so called "catastrophic" insurance. These health plans are known as high-deductable policies and can be purchased for a few hundred dollars a month or even less. They usually have a $2000 to $4000 deductable but cover fully after that amount has been reached, keeping your medical expense from leading to financial ruin. These plans also work well with health care savings accounts which allow you to save money tax free to be used as you see fit for health care purposes.
To help keep fees reasonable (by reducing costs), fees are collected after every visit.
Credit cards (Mastercard & Visa) are accepted.
As the old saying goes, if you don't have your health, you don't have anything. Unfortunately, too many people don't discover how true that statement is until it is too late.