Payment Policy & Insurance Information

Motor Vehicle Accident (PIP) Insurance

If you've been injured in a car accident, your auto insurance likely includes Personal Injury Protection (PIP) coverage, which covers medical treatment including chiropractic care.

Oregon PIP Coverage Details

• Minimum Coverage: Oregon requires a minimum of $15,000 in PIP coverage for auto accident injuries
• What It Covers: Medical treatment, chiropractic care, physical therapy, and rehabilitation services resulting from the accident
• No Out-of-Pocket Cost: Your accident-related treatment is covered by your insurance. You typically don't pay a deductible or copay
• Time Limit: PIP coverage applies for injuries sustained in the accident, generally within a specific timeframe
• Direct Billing: We submit bills directly to your PIP insurance, simplifying the process for you

How the PIP Process Works

1. You have an auto accident and seek treatment at Sisu Coastal Wellness
2. Provide your insurance information and accident details to our office
3. We verify your PIP coverage and obtain authorization for treatment
4. You receive treatment, and we bill your PIP insurance directly
5. Your PIP coverage pays for your chiropractic care
6. If there are any remaining balance questions, we work with you and your insurance to resolve them

Important Notes About PIP Insurance

It's important to note that you should report your accident to your insurance company promptly and document your injuries. If you've already received treatment elsewhere, you may still be able to transfer care to Sisu Coastal Wellness for continued PIP-covered treatment. Contact us or your insurance company to verify the details of your coverage.

Health Insurance Reimbursement & Superbills

Many patients can still receive reimbursement from their health insurance, even though we don't bill insurance directly. Here's how the superbill process works.

What Is a Superbill?

A superbill (also called an itemized receipt) is a detailed statement of the services you received and the costs. It includes all the information your insurance company needs to process a reimbursement claim, including:

• Your complete diagnosis and treatment codes
• Date and description of each service provided
• Cost of each service
• Provider's credentials and license information
• Your insurance plan member ID (you fill this in)

The Reimbursement Process

1. You Receive Treatment: Receive chiropractic care at Sisu Coastal Wellness and pay directly
2. We Provide a Superbill: We provide you with a detailed itemized receipt at each visit or upon request
3. You Submit to Insurance: You submit the superbill to your health insurance company
4. Insurance Processes: Your insurance evaluates the claim based on your plan's out-of-network benefits
5. You May Receive Reimbursement: If your plan covers out-of-network services, you'll receive reimbursement directly

Important Information About Reimbursement

How to Request a Superbill

Superbills are provided automatically at the end of each visit. If you need additional superbills or a summary of multiple visits, simply ask our front desk staff. We can also email or mail superbills upon request at no additional cost.