HSA/FSA, financing, and self-pay — straight talk on what you'll actually pay before you walk in. No surprise bills. No insurance fights.
Most people assume "in-network" means "best care." It usually means whatever the insurance company decided was worth paying for that quarter.
When a clinic bills insurance directly, the carrier decides what gets approved. The doctor's hands are tied — they recommend what's covered, not what your body actually needs to heal. That's how patients end up with three rushed visits when they needed twelve, or a "wait and see" when they should have been treated.
Family Tree Chiropractic is a direct-pay clinic. Your care plan gets built around you — what your specific case actually needs — not what a claims adjuster three states away decided to approve this month. We can also provide a statement of account on request, so you can submit to your carrier yourself for any reimbursement they'll allow.
When the insurance company makes the medical decisions, you stop being the patient. You become the bill.
Most patients find our care very affordable. For those who need a hand, we have options — and the $37 starting consultation gets you a real plan before you commit to anything.
No long form. No insurance maze. Just the straightest line we know between "Can I afford this?" and "Yes, here's exactly what it'll cost."
"I'll figure it out next month" is exactly how next month becomes next year. Pick up the phone — we'll be straight about what it costs, and you'll know before you commit.