Beech Chiropractic & Ayurvedic Health Centers             Natural Solutions For Health Division of Lotus Health Services, LLC




            Bethesda & Frederick Offices             301-951-9000

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Payment Policies

Credit Card On File:
We require a credit card to be kept on file to be applied towards payment for treatment.  If you cannot provide a credit card, we will accept checks or cash.

If your insurance requires a co-insurance (percentage of the visit) we will not be able calculate what you owe until we receive the insurance reimbursement.

In that case we require a check for for $100 to be held in escrow to pay any co-insurance amounts. Any amount not applied will be promptly refunded.

Cash Patients:
You may pay with a credit card, check or cash at the time of service.

Medicare Patients:
We participate with Medicare however we do not accept Medicare assignment. This means that we will file your Medicare claim for you and Medicare will re
imburse you directly. We expect payment at the time of service.

According to your Medicare Carrier Trailblazer, current regulations require patients to sign a waiver of liability on every visit.  This is to insure that you understand the treatment you receive on a given day may be considered “medically unnecessary” by Medicare Standards & payment denied.  Your signature on your History form indicates you understand this condition of treatment.

Health Insurance Patients:
We participate with most major insurance companies. This means that we will bill your insurance and receive payment directly from the insurance carrier. 

Your portion of the approved charge that you owe will be billed to your credit card on file as follows:

Copayment - A flat amount determined by your insurance policy to be paid directly to the provider. 

If you have a copay, we will bill your credit card at the time of service for this amount.

Co-Insurance - A percentage amount of the approved charge determined by your insurance company to be paid directly to the provider.

If you have a co-insurance, we will wait for your insurance company to reimuburse the visit. At that time the EOB (explanation of benefits) will tell us how much you owe for your percentage of the approved charge. We will then bill your credit card on file for that amount.

Deductible - The amount of money your insurance requires you to pay to providers before your insurance benefits commence.

If part or all of your services for a given date are applied to your deductible by your insurance company, we will bill that amount to your credit card on file once we receive the EOB (explanation of benefits) from your insurance company.

On your initial visit to our office we will make every attempt to verify your benefits with your insurance company. However, we cannot guarantee that the information obtained from the insurance company about your coverage and benefits is correct and we cannot be held responsible for incorrect information supplied by your insurance company. Verification of benefits does not guarantee that the insurance company will pay for your service and ultimately you may be responsible for any non-covered charges.

Therefore, please note that it is your responsibility to understand your individual coverage regarding deductible amounts, copay or co-insurance and non-covered services.

Every reimubursement made to us comes with a complete EOB (explanation of benefits). As the patient, you receive this same information.  Please refer to your EOB in order to understand your coverage for a particular date of service. 

Questions about insurance reimbursements should be directed to your insurance company directly.

Auto Accident Patients:
While most auto accident carriers pay 100% of your bill, please keep in mind that you are ultimately responsible for your services.

There are 2 sources for paying your chiropractic bills when you’ve been in a car accident, PIP and a Doctor’s Lien against an Attorney for settlement. If you have PIP, then we file to PIP first and wait for settlement from your attorney for any remaining balance of your bill. If you don’t have PIP, we will wait for the attorney to settle the case and receive payment at that time.

  1. Personal Injury Protection (PIP): PIP is a provision from your auto insurance carrier that is to be used to pay your chiropractic bills. If you have PIP on your policy, it is law that we must file PIP before any other insurance can be used, including filing against the other party’s (the person who hit you) insurance. By law your rates cannot go up if you were not at fault.
  2. Doctor’s Lien: A lien is a document signed by you and your attorney which instructs your attorney to pay your chiropractic bill directly from the settlement with the other party’s insurance company.

There are 4 things for you to do:

  1. If you have PIP, call your auto insurance carrier today. Tell them you are seeing a doctor for your injuries from your accident and request that they send you PIP Papers. PIP papers are applications forms to file for reimbursement. Not all carriers require PIP papers, but most do.
  2. Bring your PIP Papers into the office. Please do not fill them out. We will handle all of that for you.
  3. Sign the Doctor’s Lien that we provide you.
  4. Give us the name and address of your attorney. If you do not already have an attorney, we will be happy to recommend one to you.

As a courtesy we allow 2 weeks from today to deliver the above paper work (PIP and Lien). However, we require a credit card on file to be run against your account in 2 weeks if the paper work is not delivered or at anytime a pending balance is not paid. After that point we will ask that you pay for each service as rendered until the paper work is delivered.

At the time of your dismissal from care, most likely there will be a balance remaining on your account. We will hold the account balance with interest of 1 1/2% accruing monthly until your attorney settles your case and the account is paid in full.

Frequently Asked Questions:

Q. The other person hit me. Why do I have to file against my insurance?
A. Maryland law requires that PIP be filed before any other claims are made to other third parties. However, the law also protects your rates from going up if you were not at fault.

Q. What if I don’t want to get an attorney?
A. That of course is your choice. If you have PIP we will file to it up to the limits of your policy after which you must pay as services are rendered. If you do not have PIP then all of your care will be out of pocket.

Q. I don’t think I’m very hurt, do I have to go through all of these steps?
A. Of course not. You should still fill out the history form and have an evaluation to document your injuries. This part is very important, just in case you get worse later. From there, if you need some treatment you
may pay as you go. If in a few days you feel worse and it appears to be a bit more involved than it seems now, you can always complete the paper work at that time.