Insurance We understand insurance can be confusing, we try to make the process as seamless as possible. Urban Wellness Clinic works with most major medical insurance plans as out of network providers. As a service for our patients, prior to your initial evaluation, we call your insurance company and verify your benefits so we can inform you of your specific benefits. WE ACCEPT THE FOLLOWING INSURANCE PLANS: Aetna Cigna Blue Cross Blue Shield Oxford United Healthcare You are required to provide us with a valid insurance card and pay for any copayments, deductible and/or coinsurance. We accept payment through company Health Savings Accounts (HSAs) and Flexible Spending accounts (FSAs). For those without insurance coverage, please get in touch with our office as we offer affordable rates, 212-355-0445 or email@example.com. Why are you out of network? Most insurance companies have limited visits and low reimbursement rates for in-network chiropractors. This unfortunately forces many in-network chiropractors to see more patients per hour in order to have a sustainable practice. By choosing to be out of network with insurance companies, we are able to spend more time with their patients and provide more in-depth, personalized care. We focus on “Why medicine” therefore being out of network allows us to spend ample amount of time required to get to the root cause of your pain.