Insurance Information and Payment Policies

INSURANCE ACCEPTANCE IN PORTLAND, ME

Insurance

It is recommended that any new patient check with their insurance carrier to know what coverage is available to them for chiropractic care under their particular plan. If the patient gets different insurance while receiving care, they should find out what chiropractic benefits they have with the new plan and be sure to inform us about the new insurance: when it goes into effect and any other changes associated with it. We will submit all claims for patients.
Patients are responsible to pay any deductibles, co-payments, co-insurance and any other approved non-covered services. Unfortunately, some insurance policies are very limited in what they cover, and any care beyond the limitations of the policy are the responsibility of the patient. Throughout the care, Dr. Williams will keep costs as conservative as possible while working diligently to get the patient back in proper working order. Some items, such as nutritional supplements, are not covered by insurance and are the responsibility of the patient.
  
Participating Provider:
Dr. Malcolm Williams is a participating provider with:
  • Aetna
  • Anthem Blue Cross Blue Shield
  • Cigna
  • Harvard Pilgrim Health Care
  • Medicaid/MaineCare
  • Community Health Options
  • Medicare
  • United Healthcare
  • Humana
Other Insurances - non-participating, Auto Accident, Personal Injury and Worker's Compensation.
Other insurances are also accepted.
Some insurance plans use networks that Dr. Williams is in-network. If Dr. Williams is not in-network, the patient will have to meet the out-of-network requirements of their policy, which often mean higher deductibles and higher co-payments or co-insurance.
 If possible, we will link electronically to your insurance company to see what your deductible, copay and benefits for chiropractic services are, but we are not always able to do so prior to providing care. 

In some situations there are services that we would reasonably assume will be covered by most insurances.  If we later find out that your insurance does not cover that service, you would be responsible for those charges as well.
It is highly recommended that prior to your appointment, you contact your insurance company and ask what is covered for chiropractic care including:
  • spinal adjustments
  • related physical therapies
  • examinations
You should ask how many services are allowed in a year, what your deductible is, how much of your deductible has already been met, the maximum allowed coverage, the maximum out of pocket expense you will have to meet and any other details that you do not know and understand about your insurance plan after you have read your plan information package.
Personal injury: (automobile accidents and other injuries) cases are accepted with assignment.  Please bring all of your claim information to the appointment.  We will need the insurance company name, billing address, phone number, adjuster name if available and claim number, as well as the name of the policy holder.
Worker's compensation cases: The employer or insurance company may designate a required provider, but if you choose to switch to another provider you may do so after 10 days from the date of the first treatment provided by the designated provider.
Payments
Payments can be made by cash, check and major credit cards - Mastercard, Visa, Discover and American Express.  We accept assignment from insurance companies, but copayments, co-insurance and deductibles must be paid at the time of service unless another payment process has been accepted.  Non-covered items must be paid for at the time of service.
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