– Crown City Chiropractic
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Insurance & Payment Information

A Different Approach to Healthcare

At Crown City Chiropractic & Wellness, we operate as a cash based and out of network practice by design. This model allows us to focus on what is clinically appropriate for the patient instead of what an insurance company chooses to approve, limit, or reimburse.

Our goal is simple: provide high quality, personalized chiropractic and wellness care without the restrictions, delays, and interference commonly associated with insurance driven healthcare.

Why We Chose a Cash Based Model

Insurance based healthcare often creates limitations that affect both the doctor and the patient. In many cases, insurance companies:

• Dictate visit frequency and duration
• Restrict the type of care or therapies allowed
• Require medical necessity based on symptom severity rather than long term health goals
• Focus on short term pain management instead of correction and prevention
• Delay care through authorizations and documentation requirements
• Influence treatment decisions through reimbursement structures

By remaining out of network, our office maintains the freedom to recommend care based on:

• Objective findings
• Clinical experience
• Patient goals
• Lifestyle demands
• Long term spinal and nervous system health

This allows for a more customized and patient centered experience.

Advantages of a Cash Practice

Transparent Pricing

You know exactly what your care costs upfront. No surprise bills months later. No hidden facility fees. No confusing Explanation of Benefits statements.

We believe healthcare pricing should be simple and understandable.

Care Based on Your Needs, Not Insurance Guidelines

Many insurance plans only approve care once symptoms become severe enough to meet their criteria. Preventative and wellness focused care is often limited or excluded entirely.

Our office focuses on:

• Corrective care
• Function and mobility
• Nervous system health
• Performance and recovery
• Long term spinal health
• Wellness and prevention

This allows patients to be proactive instead of reactive with their health.

Greater Flexibility in Treatment Options

Because we are not restricted by insurance coding limitations or visit caps, we can integrate therapies and recommendations based on what is most appropriate for your case.

This may include:

• Chiropractic adjustments
• Corrective exercises
• Mobility and posture rehabilitation
• Soft tissue work
• Shockwave therapy
• Lifestyle and ergonomic recommendations
• Nutritional support and supplementation guidance
• Wellness and maintenance care

More Time Focused on Patients

Insurance based offices often spend significant time on:

• Prior authorizations
• Insurance appeals
• Claim denials
• Coding requirements
• Administrative documentation

Our model allows more focus on patient education, individualized care planning, and delivering a higher quality experience.

Can I Still Use My Insurance?

Yes. Even though we are out of network and do not bill insurance directly, many patients still use their insurance benefits.

Depending on your specific plan, your insurance may allow:

• Reimbursement for out of network chiropractic services
• Application of payments toward deductibles
• Use of Health Savings Accounts (HSA)
• Use of Flexible Spending Accounts (FSA)

Every insurance plan is different, so reimbursement amounts and eligibility vary.

What Is a Superbill?

Upon request, our office can provide a detailed superbill that patients may independently submit to their insurance company for possible reimbursement.

A superbill is essentially an itemized receipt that includes:

• Diagnosis codes
• Service codes
• Visit details
• Provider information

Patients can submit this directly to their insurance carrier if their plan includes out of network benefits.

Please note:
Insurance reimbursement is not guaranteed and is determined solely by your insurance company and policy.

HSA & FSA Friendly

Many patients use:

• Health Savings Accounts (HSA)
• Flexible Spending Accounts (FSA)
• Health Reimbursement Arrangements (HRA)

for chiropractic and wellness related expenses.

These accounts often provide tax advantages while allowing you to invest directly into your health and wellbeing.

Why Many Patients Prefer Cash Based Care

Patients are increasingly frustrated with modern healthcare systems that prioritize volume, paperwork, and symptom management over individualized care and long term results.

Many people appreciate that our model allows for:

• More personalized attention
• Greater consistency in care recommendations
• Better continuity of care
• Simpler financial expectations
• Less administrative frustration
• A proactive health focused environment

Our office is built around education, empowerment, and helping people take ownership of their health.

Questions About Coverage or Payment?

Our team is happy to help explain:

• Payment options
• Superbills
• HSA/FSA usage
• Out of network reimbursement possibilities
• Care plan options

If you have questions before scheduling, please contact our office directly.

Ready to Get Started?

Schedule an Appointment

We look forward to helping you move better, function better, and take a proactive approach to your health.

Ready to Start Your Wellness Journey?

Scheduling is easy. Book your first visit online in just a few clicks, or give us a call—we’re happy to help.

Prefer to call?

Monday & Wednesday

7:00 AM – 11:00 AM & 2:00 PM – 6:00 PM

Tuesday & Thursday

2:00 PM – 6:00 PM

Friday

7:00 AM – 11:00 AM

1111 Metropolitan Ave #140, Charlotte, NC 28204

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