Cash Care Plan Benefits

Benefits of Cash Care at RHC

• Transparent, predictable pricing
  
• No restrictions from insurance
  
• Personalized care based entirely on your needs
  
• Access to all therapies
  
• Faster, smoother visits
  
• HSA/FSA eligible
  
• Better long-term health outcomes
  

Patient FAQ: 2026 Care Model Update

Why is RHC switching to a cash-based model?Because insurance companies increasingly limit what is covered, how often you can be seen, and which therapies are “allowed.” This model lets us focus on your needs—not insurance rules—while keeping pricing simple and transparent.
What does “cash care” mean?It means you pay for your visit or care plan directly at the time of service.
You can use HSA/FSA cards and we provide receipts for you to submit to your insurance for possible reimbursement (if your plan allows).
Will my care change?No.
Your care, your frequency, and your access to services remain the same.
Only the billing process changes—your care becomes more flexible, not less.
Do you still accept VA patients?Yes.
We will continue to accept and bill all VA-authorized care for our Veterans with no changes.
What about Medicare?We will no longer bill Medicare.
Medicare patients may continue care on a cash basis, and we will provide ABN forms and receipts for your personal records.
Can I still use my insurance if I want to?You can submit your receipt (“superbill”) to your insurance for potential reimbursement.
Reimbursement depends on your specific plan.
Can I use HSA or FSA?Yes.
Most RHC services are eligible under HSA/FSA rules.
Are there payment plan options?Yes.
We offer:

• Pay-in-full discounts
  
• Monthly payment plans
  
• Down payment + smaller monthly payment options
  

We can help you choose the best fit.
Will visits cost more?In most cases, care becomes more affordable because you aren’t restricted by insurance requirements, deductibles, or denials. Our pricing is upfront and predictable.
Why is cash care better for patients?Because it:

• Eliminates insurance limitations
  
• Improves consistency and outcomes
  
• Simplifies your visits
  
• Gives you full access to all therapies
  
• Puts YOU in control of your health
  

Do I need a new care plan?Not necessarily, but you can request one at any time.
If you’d like a personalized quote before January 1, we’re happy to prepare it.
What if I still have questions?We’re here to help.
Call, text, or talk with us at your next visit—we’re committed to making this transition smooth, supportive, and stress-free for everyone.

Medicare Non-Participating Provider (Non-Par) Explanation

At Regional Health Center, beginning January 1, 2026, we will operate as a Medicare Non-Participating (Non-Par) Provider. This means we are still allowed to see Medicare patients, but we will no longer bill Medicare directly for your visits.
Below is an easy-to-understand explanation of what this means for you.
What Does “Non-Par” Mean?“Non-Participating” simply means:

• We are not billing Medicare for your visits
  
• Medicare will not pay us directly
  
• You may continue care with us on a cash basis
  
• You may receive a receipt (superbill) for your personal records
  

You still receive the same high-quality chiropractic care—only the billing process changes.
Can Medicare Reimburse Me?Most chiropractic services are not reimbursable by Medicare unless billed directly (which we will no longer be doing).
Because of Medicare’s rules:

• Medicare will not reimburse you for chiropractic care paid to a Non-Par provider
  
• Medicare does not cover examinations, therapies, acupuncture, rehab, or wellness care
  
• Only spinal manipulation is sometimes covered—but only when billed directly by a participating provider
  

Our commitment to transparent, simplified pricing means we will not file Medicare claims on your behalf.
Why Did RHC Choose Non-Par?Medicare heavily restricts:

• What we can provide
  
• How often we can see you
  
• What services are “allowed”
  
• How care must be coded
  
• What we are paid (well below the cost of care)
  

These restrictions interfere with your ability to receive the corrective, stabilization, and wellness care we know is necessary for long-term healing.
Becoming Non-Par allows us to:

• Provide all services you need, not just what Medicare permits
  
• Keep visits affordable and predictable
  
• Deliver care based on your body—not Medicare guidelines
  
• Avoid care interruptions, audits, and billing delays
  

Your health becomes the priority, not Medicare rules.
What Forms Will I Need to Sign?As required by Medicare, you may be asked to sign an:
ABN — Advance Beneficiary NoticeThis form explains:

• Which services are not covered by Medicare
  
• That RHC will not be billing Medicare
  
• That you agree to pay for your care directly
  

This is a standard, required Medicare form and allows you to make an informed decision about your care.
How Do Payments Work Now?Medicare beneficiaries will simply:

1. Pay for their visit at the time of service
   
2. Receive clear, simple pricing
   
3. Enjoy full access to all chiropractic and wellness services
   
4. Avoid Medicare billing restrictions and limitations
   

Your care becomes more flexible, consistent, and predictable.
Are Medicare Patients Still Welcome?YES—absolutely.
We value our Medicare-aged patients and want you to continue your care with us.
You will still receive:

• Personalized care plans
  
• Access to all services
  
• CoreScore evaluations
  
• Wellness support
  
• Transparent pricing
  
• A smoother, simplified process
  

Only the billing method has changed—not the level of care, attention, or commitment you receive.
Have Questions? We’re Here to Help.We understand that Medicare rules can feel confusing. Our team is happy to walk you through the process, answer any questions, and make sure you feel confident and supported every step of the way.