If you have a large deductible, we recommend you pay the cash-discount fee, and submit your bills yourself to your insurance company until your deductible is met. We provide the information you will need to make your claim.

Do you take Medicare?
Yes. Medicare covers a portion of your adjustment fee, but does not cover your initial exam, or any additional therapies such as ultrasound or massage. You would be asked to pay for these additional therapies out of pocket. You would also be required to pay any deductible and co-pay amounts.

If you have a secondary insurance, such as is offered by AARP, it will pay the balance of the adjustment (your co-pay), once your deductible is met. Some policies will even pay for additional therapies, such as ultrasound. We would be happy to check this for you.

Do you take Medicaid?
Unfortunately, Medicaid does not cover Chiropractic services at this time.

What are your fees?
We offer a discount for fees paid at the time of service (as opposed to billing insurance). Please see the Fees page for more information. We do accept Master Card and Visa.

Do you require x-rays?
If you have x-rays from a previous provider, we ask that you bring those or sign paperwork for us to send for them. However, in most cases, x-rays are not needed. Dr. Rucker will advise you during your initial exam if she recommends x-rays be completed. We refer to Boulder Community Hospital or to Kaiser, or a facility of your choice.

How often will I need to be treated?
It depends on a lot of factors, such as the severity of your condition, if it is acute or chronic, the cause of your condition, your ability to do your assigned "homework", your treatment goals, and other factors. Generally speaking, there are 3 kinds of care:

• Initial Intensive Care which may require more frequent visits to relieve your Symptoms and begin the healing process.
• Corrective care designed to help restore proper position and motion of spinal and other joints.
• Elective or Wellness Care begins when maximum improvement is reached. Periodic chiropractic "checkups" can detect and help correct any new problems, and also manage chronic conditions. This can save you time and money by helping you stay well.

What if I am in a car (bike, motorcycle….) accident? Will my care be covered?
It depends on your own insurance policy. In July of 2003 Colorado changed from a "no-fault" state to a "tort" state. Previously, your insurance company covered your care, no matter who was at fault. If you are NOT at fault, the at-fault driver is required to maintain at least $25,000 liability for your care. However the insurance company will not pay until all necessary care is completed. In these cases, when you are NOT at fault, we will accept a good-faith attorney lien against your future settlement. Or, of course, if you have the ability to pay up-front, and collect from the insurance company at the completion of your care, that is certainly an option. In some cases, it is possible to bill your major medical insurance (remember, deductibles and copays apply).

If you ARE at fault, unless you have purchased Med Pay on your own policy, there is no money available from the insurance companies to pay for your care, or the care of your passengers.

The best remedy to this situation is to purchase Med Pay from your own car insurance company, to cover your care of that of any of your passengers in the event of an accident, no matter who is at fault.

Dr. Rucker would be happy to discuss this with you, and to help you navigate these confusing waters.