Payment Options
Flexible Payment. No Surprises. We Verify Your Benefits Before Your First Visit.
At Ethos Chiropractic, Longevity and Wellness, we believe cost should never be a barrier to getting the care you need. We offer multiple payment options and will work with you to make your treatment as affordable as possible.
We Accept
💳 Credit & Debit Cards
We accept all major credit and debit cards including Visa, Mastercard, Discover, and American Express. Payment is collected at the time of service.
💵 Cash & Check
We gladly accept cash and personal checks. Our front desk team can provide a receipt for reimbursement or HSA/FSA purposes upon request.
🏦 HSA & FSA
Health Savings Accounts and Flexible Spending Accounts are accepted for most of our services. Ask our team which services qualify under your plan.
Insurance
We are proud to be insurance friendly and work with most major providers, including:
- Aetna
- Blue Cross Blue Shield
- Cigna
- Medicare
- UnitedHealthcare
We will verify your insurance benefits before your first visit at no charge — so you know exactly what to expect before you arrive. No surprises.
If you don’t see your provider listed, call us at (972) 409-0016 — we work with many additional plans and can check your coverage on the spot.
CareCredit Financing
We accept CareCredit — a dedicated healthcare credit card designed to cover health and wellness expenses that insurance may not fully cover, with flexible financing options that fit your budget.
CareCredit May Be Right for You If:
- You have a High Deductible Health Plan (HDHP) and want to begin care before meeting your deductible
- Your insurance doesn’t cover a specific service — such as spinal decompression, laser therapy, regenerative medicine, or peptides
- You’ve exhausted your annual insurance benefits but still need care
- You want to spread the cost of treatment over time without delaying care
- You prefer to keep your medical expenses separate from your everyday finances
Financing Options Include:
- 12 months at 0% APR — no interest if paid in full within the promotional period
- Extended plans from 6 to 60 months — low fixed monthly payments for larger treatment plans
- Revolving credit — use it again for future care, family members, or other healthcare needs
How to Apply:
Apply in minutes using our practice link — most applicants receive an instant decision. You can also ask our front desk team to walk you through the application at your visit. Once approved, your card is ready to use immediately.
Common Insurance Questions
Most major insurance plans include chiropractic benefits. Coverage varies by plan — the number of visits covered, your copay, and whether a referral is required all depend on your specific policy. We verify this for you before your first appointment.
What if I’ve already met my deductible?
Great news — if you’ve met your deductible for the year, your out-of-pocket costs for covered services may be significantly reduced. Call us and we’ll check.
Does insurance cover all your services?
Standard chiropractic adjustments and many rehabilitative services are typically covered. Some advanced services — such as regenerative medicine, peptides, or specific laser protocols — may not be covered by insurance. Our team will clearly explain costs for any service before treatment begins.
Yes. We handle insurance billing on your behalf. You are responsible for your copay or coinsurance at the time of service — we take care of the rest.
What if I don’t have insurance?
No problem. We offer competitive self-pay rates and flexible payment plans. Call us to discuss your options — we’ll make sure cost doesn’t stand between you and the care you need.
Can I use my FSA or HSA card?
Yes. FSA and HSA cards are accepted like any other debit card. If you need an itemized receipt for reimbursement, just ask at the front desk.
Ready to Get Started?
Call us at (972) 409-0016 and we’ll verify your insurance, answer your payment questions, and get you scheduled — usually within 24–48 hours.
