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Insurance

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Payment Options

At Disc Wellness Chiropractic, we want to make your care as accessible and affordable as possible. We offer several flexible payment options to meet your needs:
PPO
Preferred provider organization Insurance

At Disc Wellness Chiropractic, we provide superbills for patients with eligible PPO benefits, allowing for more personalized, patient-focused care while still giving patients the opportunity to seek possible reimbursement directly from their insurance.

Car Accidents
(Covered 100%)

If you’ve been involved in a car accident, treatment is usually 100% covered by the responsible party’s auto insurance. We coordinate with attorneys and insurers for a seamless experience.

HSA/FSA
Health savings and Flexible spending accounts

We gladly accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These tax-advantaged funds cover chiropractic care and other qualified medical expenses.

Affordable
Out-of-Pocket Plans

No insurance? No worries. We provide affordable cash rates and personalized payment plans to ensure you can still receive quality care without unnecessary financial stress.

Stop Letting Insurance Companies Control Your Healthcare

At Disc Wellness Chiropractic, our mission has always been simple:

Help patients live, work, and play pain free through specific, personalized, and results-focused chiropractic care.

As our clinic continues to grow and help more patients dealing with sciatica, disc injuries, neck pain, headaches, nerve pain, and chronic spinal stress, we have made an important decision that allows us to continue providing the level of care our patients deserve.

We Are Transitioning Away From Traditional Insurance Billing

Instead of directly billing insurance companies, our clinic is transitioning to a simplified Superbill reimbursement model.

This change allows us to focus more on patient care and less on insurance company restrictions, authorizations, visit limitations, and administrative delays.

Most importantly, it allows us to continue delivering the detailed and specialized care that Disc Wellness Chiropractic has become known for throughout Rocklin, Roseville, Lincoln, Loomis, Granite Bay, and surrounding communities.

What Is a Superbill?

A superbill is simply a detailed medical receipt that patients can submit directly to their PPO insurance plan for possible reimbursement.

Instead of the insurance company paying the clinic directly:
• The patient pays the clinic at the time of service
• We provide all required documentation
• The patient submits the superbill to their insurance company
• Eligible PPO plans may reimburse the patient directly

Many patients are surprised to learn that they may still receive reimbursement even when seeing an out-of-network provider.

Why We Made This Decision

Over time, insurance companies have continued to place more restrictions on healthcare providers and patients, including:
• Limiting the number of visits
• Restricting treatment options
• Requiring excessive paperwork
• Delaying approvals
• Reducing time doctors can spend with patients
• Prioritizing insurance rules over patient needs

At Disc Wellness Chiropractic, we believe your care should be based on:
• Your condition
• Your goals
• Your progress
• What your body needs

—not what an insurance company decides is convenient.

What This Means For Our Patients

More Personalized Care

This transition allows us to focus fully on patient-centered treatment instead of insurance-driven treatment plans.

Our clinic is known for detailed evaluations, specific Gonstead chiropractic adjustments, spinal decompression evaluations, movement-based rehabilitation, and customized care plans tailored to each patient.

This model allows us to continue providing:
• Thorough examinations
• One-on-one attention
• Specific treatment recommendations
• Longer-term corrective care options
• Advanced disc and nerve-focused care
• Flexible treatment recommendations based on progress

Simpler & More Transparent

Many patients find the superbill system easier and less frustrating than traditional insurance billing.

Instead of:
• Surprise bills
• Confusing insurance statements
• Deductible confusion
• Authorization delays

You receive:
• Transparent pricing
• Clear recommendations
• Immediate documentation
• Simple reimbursement submission steps

You May Still Receive Reimbursement

Many PPO insurance plans still provide reimbursement for out-of-network chiropractic services.

While every insurance plan is different, patients with PPO benefits may still receive partial reimbursement directly from their insurance company after submitting their superbill.

Our team will provide the documentation needed to make the process as simple as possible.

Why Patients Continue Choosing Disc Wellness Chiropractic

Patients throughout Rocklin, Roseville, Lincoln, Granite Bay, Loomis, Whitney Oaks, Whitney Ranch, Blue Oaks, West Park, Pleasant Grove, and nearby communities continue choosing Disc Wellness Chiropractic because of our focus on:
• Sciatica and disc-related conditions
• Gentle and specific Gonstead chiropractic care
• Detailed evaluations
• Personalized treatment plans
• Advanced spinal decompression evaluations
• Patient education
• Long-term spinal health
• Helping patients avoid unnecessary medications, injections, and surgery whenever appropriate

Our goal has never been to provide rushed, insurance-driven care.

Our goal is to provide the highest level of chiropractic experience possible.

Frequently Asked Questions

Can I Still Use My Insurance?

Yes. Many PPO plans may still reimburse patients for out-of-network chiropractic care through superbill submission.

Do You Accept HSA or FSA?

Yes. We accept both HSA and FSA payment options.

Will You Help Me With The Superbill?

Absolutely. Our office provides the documentation needed for submission and helps guide patients through the process.

Is This More Expensive?

Many patients find that the difference in cost is smaller than expected once reimbursements, deductibles, co-pays, and insurance limitations are considered.

More importantly, patients often value:
• Better access to care
• More personalized treatment
• Less restriction
• More time with the doctor
• A higher level experience

Why Did You Stop Direct Insurance Billing?

We want to focus on delivering the best care possible instead of spending increasing amounts of time dealing with insurance restrictions and administrative limitations.

This allows us to prioritize patients, outcomes, and quality of care.

Experience The Difference

At Disc Wellness Chiropractic, we are committed to helping patients move better, feel better, and function better through advanced chiropractic care focused on long-term spinal health and recovery.

If you have questions about our superbill process, our team is happy to help guide you through every step.

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