Insurance & Payments

Coverage and payment options at a glance

For nearly four decades, families across Williamsville, Buffalo, Amherst, Clarence, and greater Western New York have trusted Munroe Chiropractic for hands-on, drug-free, non-invasive spinal care. Part of caring for our community means making the business side of your visit as simple and stress-free as the care itself. We know insurance can feel confusing, so our front-desk team is happy to walk you through your options and answer your questions before you ever step into a treatment room.

Munroe Chiropractic is now part of the Complete Care Chiropractic family, the same trusted doctors and the same familiar location at 6035 Main Street. What has not changed is our commitment to helping you understand exactly what to expect. Here is a quick overview of how we handle insurance and payments, with the full details in the sections below.

We accept Workers' Compensation for on-the-job injuries, No-Fault coverage for injuries from a motor vehicle accident, and Medicare. We also welcome cash and self-pay patients and accept all major credit cards, checks, and FSA and HSA cards. For private health insurance plans, we are an out-of-network provider, and we make that process easy by giving you an itemized receipt to submit for possible reimbursement.

• Workers' Compensation accepted for work-related injuries
• No-Fault accepted for auto accident injuries
• Medicare accepted
• Cash and self-pay welcome: major credit cards, checks, FSA and HSA cards
• Out-of-network for private health insurance, with superbills provided for reimbursement
• Fees are not published online because they change, so please call (716) 632-4476 for current pricing

Workers' Compensation (injured on the job)

If you were hurt at work, you have the right to medical care for your injury, and chiropractic treatment is a covered benefit under New York Workers' Compensation. Munroe Chiropractic has deep experience with work-related injuries, from lifting strains and repetitive-motion complaints to back and neck pain caused by an accident on the job. Our team handles the Workers' Compensation billing and reporting directly with your carrier, so you can focus on getting better rather than on forms.

To get started, let us know at your first call or visit that this is a work injury. It helps to bring your claim number, the name of the Workers' Compensation insurance carrier, and your employer information. If your claim is still being set up, do not worry. Our staff can help you gather what is needed and will coordinate with the appropriate parties.

Because a work injury involves specific documentation and timelines, the sooner you begin care, the smoother the process tends to be. If you are unsure whether your injury qualifies or how to report it, give us a call and we will point you in the right direction.

No-Fault coverage (auto accident injuries)

New York is a No-Fault state, which means your own auto insurance generally pays for medical treatment after a car accident, regardless of who caused the crash. Under New York's No-Fault (Personal Injury Protection) rules, every auto policy includes medical benefits that can cover chiropractic care, diagnostic imaging, and related treatment for injuries such as whiplash, back and neck pain, and other soft-tissue injuries. When your No-Fault claim is active, we bill your carrier directly, and there is typically no co-pay or deductible for covered care.

Auto-accident care is one of our areas of special focus. Injuries from even a low-speed collision can take days or weeks to fully surface, so it is wise to be evaluated soon after a crash. Prompt documentation also protects your claim, because New York generally requires written notice of a No-Fault claim within about 30 days of the accident. Getting care early is good for both your recovery and your paperwork.

When you come in, please bring your No-Fault claim number and the name of your auto insurance carrier if you have them. Your claim number is assigned by your insurer after you report the accident. If you have an attorney handling your case, we are glad to coordinate with their office as well. To learn more about the injuries we treat after a collision, visit our conditions page.

Medicare

Munroe Chiropractic accepts Medicare. Medicare covers manual manipulation of the spine to correct a subluxation when it is medically necessary, which is a common and important benefit for many of the older adults we care for throughout Western New York.

It is helpful to know that Medicare covers the spinal adjustment itself but does not cover every service a chiropractor may offer, such as certain exams, X-rays, or therapies. Our staff will explain in plain language what Medicare is expected to cover for your visit and what, if anything, would fall outside that coverage, so there are no surprises. If you have a Medicare Advantage or supplemental plan, bring those cards along and we will review how they fit in.

Out-of-network for private health insurance, and why that benefits you

For private health insurance plans, Munroe Chiropractic is an out-of-network provider. We made this choice on purpose, and it works in your favor. When a practice is bound by insurer contracts, the insurance company can end up dictating how many visits you receive, which treatments are approved, and how long each appointment can last. By staying out-of-network, our doctors are free to build your care plan around what your body actually needs, not around what a plan is willing to authorize. Your treatment is guided by your progress and your goals.

Being out-of-network does not mean your insurance cannot help. After your visit, we provide an itemized receipt known as a superbill. A superbill lists the services you received along with the standard billing and diagnostic codes your insurer needs. You submit it to your insurance company, and depending on your specific plan, they may reimburse you directly for some or all of the care, or apply the amount toward your out-of-network deductible.

We understand that submitting a claim can feel intimidating, so our staff is happy to help. We will make sure your superbill is complete and accurate and can walk you through how to send it to your insurer. Reimbursement amounts depend entirely on your individual policy, so we cannot promise a specific result. If you would like to know what your plan offers for out-of-network chiropractic care, a quick call to the member-services number on the back of your insurance card is the best place to start.

• You are not limited by insurer visit caps or treatment restrictions
• We provide a detailed superbill with the codes your insurer needs
• You submit the superbill for possible reimbursement or to apply toward your deductible
• Our staff helps make sure the paperwork is complete and correct

Cash and self-pay patients

We warmly welcome patients who prefer to pay for care themselves, whether you do not have chiropractic coverage, you are out-of-network with your plan, or you simply like the freedom and transparency of self-pay. Paying directly keeps things simple and puts you in control of your own care decisions.

For your convenience, we accept all major credit cards, checks, and FSA and HSA cards. Flexible Spending Account and Health Savings Account funds are often eligible for chiropractic care, which can make treatment more affordable using pre-tax dollars. If you are self-pay, you can still request a superbill to submit to your insurance for possible reimbursement.

Because our fees can change over time, we do not list set prices online. Please contact the office at (716) 632-4476 for current fees, and we will gladly go over the cost of your care up front so you can plan with confidence.

What to bring and how to get started

A little preparation makes your first visit go smoothly. If your care is related to a work injury or an auto accident, having your claim details on hand lets us begin promptly. If you are using Medicare or planning to submit to private insurance, bringing your cards helps us give you accurate information.

You can save time by completing your new-patient intake online before you arrive at intake.mychirotouch.com, and you can book online any time at appointments.mychirotouch.com. Prefer to talk to a real person? Call us at (716) 632-4476 and our friendly team will get you scheduled and answer any coverage questions.

We are open six days a week with early morning, evening, and Saturday appointments to fit real Western New York schedules. Monday through Friday we are open 8:00am to 7:00pm, closed for lunch from 1:00pm to 2:00pm, and Saturday 8:00am to 1:00pm. As always, you can also visit our sister practice, Complete Care Chiropractic, at ccarechiro.com.

• Work injury: your claim number, Workers' Compensation carrier, and employer information
• Auto accident: your No-Fault claim number and auto insurance carrier
• Medicare: your Medicare card and any Advantage or supplemental cards
• Private insurance: your insurance card, so we can note your details for your superbill
• Payment: major credit cards, checks, and FSA or HSA cards accepted