Payment options
How paying for care works here.
We do not accept insurance, and some people are surprised by that. Here is what we do accept, why the practice is built this way, and how monthly payments can fit care into your budget.
What you can pay with
You will always know the cost before care begins. There is no surprise statement weeks later, and no approval from a plan standing between you and your provider.
Cash, check, or debit
The straightforward option. You pay at the time of your visit and the receipt is yours.
Credit cards
All major credit cards are accepted.
HSA and FSA
Chiropractic care is an eligible expense on most HSA and FSA plans. Your plan administrator can confirm what yours covers.
Cherry
Monthly payment plans on your care plan. You can check your options in the widget below, right on this page.
CareCredit
A healthcare credit card with financing options of its own. Ask our team whether it suits your situation.
Not sure which option fits? Ask when you call. Our team answers questions about cost before you ever book.
Why we do not bill insurance
We are not against insurance. Plenty of our patients use it elsewhere and still choose us, because the two kinds of practice do different things.
A clinic that runs on insurance has to build each visit around what a plan will cover. That shapes how long your appointment runs, which treatments are on the table, and how much of the work aims at the part that hurts instead of the cause of it. The paperwork ends up doing a lot of the deciding.
We are a direct-pay practice. You pay us, so the paperwork does not decide anything. Your provider builds the plan from your evaluation and your goals, which is what lets us take real time on a first visit, use tools no plan lists, and design care meant to still be working a year from now.
That is the part people miss when they compare prices. A covered visit and one of ours are not the same product. When you are comparing clinics, ask how long the first appointment runs and what the plan looks like by the third visit. The answers are usually where the difference lives.
What direct-pay care makes possible
Paying directly is a choice, and it comes with things an insurance cycle cannot easily offer. This is where your payment goes.
Time to do it right
The first visit is a conversation and a real assessment of how your body moves and functions as a whole. Not a rushed hallway update between billing codes.
Advanced tools under one roof
SoftWave TRT, laser therapy, PEMF, red light therapy, and infrared sauna. Your plan draws on what fits your situation, not what a plan happened to approve.
A plan that holds
We reassess as your body responds and adapt the plan. The goal is care you keep, not care that gets you through the week and quits when coverage does.
If budget is the worry, you still have options.
Most people pay for care over time rather than all at once. Two financing partners cover most situations: Cherry and CareCredit. Cherry splits the cost into monthly payments, and you can check your options right here in about a minute. Seeing your options costs nothing and does not commit you to anything.
Questions about paying for care
Do you take insurance?
We’re a cash-pay practice, so we don’t bill insurance. That keeps decisions about your care between you and your provider, and you’ll always know the cost before care begins.
Can I use my HSA or FSA card?
Yes. Chiropractic care is an eligible expense on most HSA and FSA plans. Your plan administrator can confirm what yours covers.
Can I pay over time?
Yes. Cherry lets you split the cost of your care into monthly payments, and you can check your options in the Cherry section above in about a minute. Checking costs nothing and doesn’t commit you to anything. CareCredit is another option. Ask our team whether it suits your situation.
Do you see personal injury cases?
Yes. If you were hurt in a car accident or another injury someone else may be responsible for, call or text our team. We’ll explain how personal injury care works here for your situation.
How will I know what my care will cost?
After your exam, Dr. Brett or Dr. Derrek explains what they recommend and why, and our team walks you through the cost before anything begins. No surprise bills, and no pressure to decide on the spot.
Prefer to talk it through first?
Call or text our team. We will walk you through costs and options before you come in. Nobody gets turned away for asking about payment.
Not sure whether we can help? Ask us.
Tell us what has been going on and what you have already tried. We will look at how your spine, muscles, balance, and nervous system are working together, and tell you honestly whether Bio Medical is the right fit, before you commit to anything.
Prefer to talk first? Call or text 337-485-4349 during office hours.