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Insurance, Billing & No Surprises Act Information

​Serving Roseau, Warroad, Badger, Greenbush & Surrounding Areas​

At Erickson Family Chiropractic Center, we believe your healthcare should come with clarity, transparency, and confidence - not surprises. We follow federal No Surprises Act requirements and provide clear insurance information so you understand your benefits before care.

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If you have insurance questions, call us at 218-463-3880, our team is happy to help.

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Commercial Insurance

We are in-network with many major insurance companies commonly used in Northern Minnesota, including:

  • Blue Cross Blue Shield

  • Blue Cross Blue Shield Federal Plan

  • Medica

  • UCare

  • HealthPartners

  • UnitedHealthcare

  • UMR

  • Sanford Health Plan

  • Humana

  • PreferredOne

  • Minnesota Laborers Health & Welfare Plan

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Whether you have a plan through your employer or through MnSure, almost all insurance plans offer chiropractic benefits.. 

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Benefits vary from plan to plan and our office can help verify your specific benefits along with any copays, deductibles or co-insurances. 

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Financial Responsibility:

Insurance is a contract between you and your insurance company. While we will submit claims on your behalf and appeal any denied claims, you are ultimately responsible for:

  • Deductibles

  • Copays

  • Coinsurance

  • Non-covered services

  • Denied claims​

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Medicare

We are a contracted Medicare provider.

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Medicare Part B covers manual manipulation of the spine performed by a licensed chiropractor to correct a vertebral subluxation — which means one or more spinal bones (vertebrae) aren’t moving properly.​

  • The adjustment must be medically necessary and aimed at correcting the subluxation. 

  • There is no limit on the number of covered chiropractic visits as long as the service meets the medically necessary standard for subluxation treatment.

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Medicare Part B will help pay for spinal adjustments to correct subluxation when medically necessary. It does not cover other services a chiropractor might recommend, such as X-rays, massage, or wellness care. After meeting the annual Part B deductible, Medicare pays 80% of the approved amount, and you typically pay the other 20%. If you have a supplemental plan, they typically pay the remaining 20%.

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Supplemental plans vary, and may cover more than the standard Medicare Part B plan. Depending on your plan, you may have a $20 co-pay.

Medical Assistance/MinnesotaCare

Beginning January 1, 2026, adults 21+ enrolled in Medical Assistance (MA) and MinnesotaCare will no longer have chiropractic coverage. This applies to all plans, including third-party managed care.

**Because of this change, patients who are 21 and older, with Medical Assistance or MinnesotaCare will be considered self-pay for chiropractic services.**

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Medical Assistance and MinnesotaCare benefits for people ages 0-20 remains the same as previous years:

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  • Medically necessary chiropractic exams

  • Spinal manual manipulation (adjustments) to treat conditions like back and neck pain

  • Chiropractic X-rays when needed for diagnosis and treatment planning (MinnesotaCare)

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  • Medical Assistance: No copays or deductibles for covered services.

  • MinnesotaCare: For children under 21 there are typically no copays or cost sharing.

Worker's Compensation

If you are injured on the job in Minnesota, you are entitled under Minnesota workers’ compensation law to reasonable and necessary medical treatment - including chiropractic care - to cure and relieve the effects of your work-related injury. This includes care from a licensed chiropractor like Matt Erickson, DC here at Erickson Family Chiropractic Center. 

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Under Minnesota Statutes § 176.135, employers are required to furnish (usually through their worker's compensation insurance policy):

  • Medical treatment — including chiropractic care

  • Supplies and equipment needed to treat your injury

  • Care that is “reasonably required at the time of the injury and any time thereafter to cure and relieve from the effects of the injury”
    This can include:

  • Spinal adjustments and manipulation

  • Evaluation and diagnosis

  • Therapeutic or rehabilitative services necessary to your recovery
    as long as these are reasonable and necessary to treat your work injury.

  • Your care cannot be denied just because you choose chiropractic treatment — if it’s reasonable and necessary. 

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Our team at Erickson Family Chiropractic Center understands these legal requirements and works within them to support both patients and employers - helping injured workers get prompt care, documentation, and return to work safely.

Self-Pay / No-Insurance Patients

​We believe everyone should have access to quality chiropractic care—even if you don’t have insurance or choose not to use it. That’s why we keep our pricing simple, transparent, and affordable with no hidden fees and no surprise bills.

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⭐ Our Cash / Self-Pay Rates

● Initial Visit (Exam + Treatment Plan): $70
This visit includes a full consultation, examination, medical history review, and discussion of your diagnosis and treatment. Treatment is provided on the first day. (In some instances, we may need to 

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Regular Office Visits:

  • $40 – Chiropractic Adjustment Only

  • $50 – Chiropractic Adjustment + Electrical Muscle Stimulation

You pay at the time of service—no bills in the mail later.

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Re-Exams: When They’re Needed and Why

A re-exam is required when:

  • You have a new injury or new complaint, or

  • You haven’t been seen in our office for more than one year, even if it’s for the same problem as before

A re-exam ensures:

  • We understand your current health and condition

  • We can rule out new issues or changes

  • We create the safest and most effective treatment plan

This protects you clinically and helps us deliver the best care possible.

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Why People Choose Self-Pay at Our Clinic

Many patients choose self-pay because:

  • Our pricing is often lower than high deductibles or copays

  • Care is simple and straightforward

  • There are no insurance limitations on visits or treatment decisions

If you have questions about whether to use insurance or self-pay, we’re happy to discuss your options.

Federal No Surprises Act & Good Faith Estimates

The No Surprises Act is a federal law designed to protect patients from unexpected medical bills. While it applies mainly to hospitals and emergency settings, parts of the law also protect chiropractic patients, especially those who are uninsured or paying cash.

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Your Rights Under the No Surprises Act:

You have the right to:

  • Receive a Good Faith Estimate (GFE) before care if you are uninsured or not using insurance

  • Know what your expected costs may be before treatment

  • Ask questions about charges

  • Dispute charges that are substantially higher than your Good Faith Estimate

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Good Faith Estimates (For Uninsured & Self-Pay Patients)

If you are not using insurance, you are legally entitled to a written Good Faith Estimate of your expected charges.

You may:

  • Request an estimate anytime

  • Receive it in writing before treatment

  • Keep it for your records

If your final billed charges are $400 or more higher than your estimate, you may dispute the bill.

To request a Good Faith Estimate:
📞 Call: 218-463-3880
📧 Email: office@ericksonchiroroseau.com
Or ask at the front desk.

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