Understanding Insurance, Deductibles & Your Real Cost of Care at Aden Chiropractic

At Aden Chiropractic, we believe in transparency.

Many patients assume that using insurance automatically means their care will cost less. But in today’s healthcare landscape — especially with high-deductible plans — that isn’t always true.

Understanding how your insurance works can actually save you money.

Let’s break it down.

We Are In-Network with Most Major Insurance Providers

We proudly accept and are in-network with most major insurance companies, including:

• Premera Blue Cross

• Regence BlueShield

• Anthem

• BCBS

• Aetna

• Cigna

• UnitedHealthcare

• Kaiser PPO Plans

• First Choice Health

• Ambetter

• Humana

• Lifewise

• UMR

• Devoted Health

• Medicare (where applicable)

• Community Health Plan of Washington

• Labor & Industries (L&I)

• Auto Accident / Personal Injury (PIP)/3rd party liens

Our team is happy to verify your benefits before your first visit so you understand your coverage clearly.

But here’s what many patients don’t realize…

Why Insurance Can Sometimes Increase Your Out-of-Pocket Cost

1️⃣ High Deductibles Must Be Met First

Many modern insurance plans have deductibles ranging from $2,000 to $7,000+.

Until that deductible is met, you are responsible for the full “allowed amount” determined by your insurance company — not necessarily a discounted rate.

In many cases, this amount can be higher than our simple cash rate.

So even though you’re “using insurance,” you may actually pay more per visit until your deductible is satisfied.

2️⃣ Insurance Sets the Visit Structure

Insurance companies often dictate:

• What services are billable

• How long a visit must be

• How frequently you can be seen

• What diagnoses qualify for coverage

• When care is considered “medically necessary”

This can limit flexibility and sometimes create unexpected bills if certain services aren’t covered under your specific plan.

3️⃣ Co-Insurance and Co-Pays Add Up

Even after your deductible is met, many plans require:

• A co-pay per visit

• Or co-insurance (you pay a percentage of each visit)

Over time, these costs can equal or exceed structured self-pay options.

Why It’s Important to Double Check Your Benefits

Every insurance plan is different — even within the same company.

Two patients with Premera may have completely different:

• Deductibles

• Visit limits

• Coverage percentages

• Chiropractic benefits

That’s why we always recommend:

✔️ Verifying your deductible
✔️ Asking about chiropractic visit limits
✔️ Confirming whether you have co-insurance or co-pays
✔️ Understanding whether prior authorization is required

Our team can help walk you through this so you feel confident about your financial decisions.

When Cash Rates Make More Sense

For patients with:

• High deductibles

• Limited chiropractic benefits

• No insurance

• Health share plans

• Out-of-network plans

Our transparent, affordable cash rates are often the simpler and more cost-effective option.

No billing delays. No confusing EOB statements. No surprise balances. Just clear pricing and straightforward care. We also offer family care structures designed to make it affordable for households to prioritize health together.

Our Philosophy: Empowered Patients Make Better Decisions

At Aden Chiropractic, our mission is:

Freedom Through Movement.

Part of that freedom includes understanding your healthcare costs.

Insurance is a valuable tool — but it isn’t always the lowest-cost option.

We’re here to:

• Help you verify benefits

• Compare insurance vs. cash options

• Create a care plan that fits your health goals and your budget

If you have questions about your plan, deductible, or pricing options, call us at 206-451-4213 before your first visit.

We’re happy to help you make an informed decision.