Insurance Payment Frequently Asked Questions


Whether you are experiencing chronic back pain or you recently sprained your ankle, our highly skilled team of doctors and rehab specialists are ready to work with you one-on-one to get you back to a pain-free life. Our goal is to not only get you out of pain but keep you out of pain. To provide our patients with the best results, we use evidence-based methods, such as chiropractic manipulation, exercise rehabilitation, massage therapy, cupping, dry needling, cryotherapy, electrical stimulation, and more.

If you have any questions regarding your insurance or payment options, please email

01. What if my insurance company is not on the list?

Please inquire about your insurance with our Scheduling Team and we will verify within 48 hours.

02. Do you accept workers’ compensation and/or personal injury claims?

We accept all personal injury and workers compensation claims and we are a provider with the U.S. Department of Labor.

03. If I have a deductible for the chiropractic and physical therapy, how will that work?

As with all of our patients, we will bill your health insurance and they will process the claims. As part of the processing they will reduce the charges down to our agreed upon contracted amount. If you have a deductible they will apply the amount towards the deductible and it is our responsibility to collect that amount from you. Each visit will decrease your deductible by an amount equivalent to the contracted rate for each service that is performed and billed. Luckily we are able to estimate the amounts for you at each visit so that you can keep paying in smaller increments rather than receiving a large bill later on once the claims have processed. Once your deductible is met there is usually a benefit that follows such as a copay or a coinsurance where the insurance then pays a portion of the contracted rate and you are responsible for either a flat fee (copay) or a percentage of the contracted rate (co-insurance). Since these costs are based off of the services that are performed and billed the amounts you may owe can change at each visit.

04. What if I cannot afford my out of pocket costs?

Kaizo Health is happy to offer several forms of financial assistance. These include, but are not limited to, interest-free payment plans and medical hardship applications. Please inquire with the Front Desk at your clinic and they would be happy to assist you.

05. What if I don’t have insurance?

Kaizo Health is pleased to be able to offer several options for those patients who do not have health insurance, have limited coverage or out of network coverage. We work with the Medical Discount plan Chirohealth USA which allows eligible patients to sign up their entire family for only $49 per year and receive discounts on services.  We also allow for selfpay visits. Please inquire with the Front Desk at your clinic and they would be happy to assist you.

06. What are my options if I am in a car accident?

Kaizo Health has worked with medical-legal cases for many years. We are able to bill your automobile personal injury protection (PIP) and med-pay coverages. In addition, we may also be able to bill your health insurance. If you require additional support, we are able to make referrals to highly regarded, ethical legal counsel. Please inquire at the front desk with additional questions and we would be happy to provide you with additional information and recommendations or you can call the scheduling staff at 240-766- 0300 and select the option for new patient scheduling.

07. I know you are not in network with medicare and medicaid, can I still be seen?

Kazio Health accepts Medicaid patients as self-pay or CHUSA. We do not accept Medicare Part-B regardless of if it is primary or secondary. Even if you have a secondary insurance that we accept, we will still need to refer you to a facility that accepts Medicare. If Medicare is your secondary insurance, we can bill your primary insurance and they will process your claim. We are happy to help you find an in-network provider in our area so please inquire with our front desk or scheduling teams.

08. I know I should verify my own benefits. What should I ask when I call member services to inquire?

If you scheduled at least 24 hours in advance we will call as a courtesy to verify your benefits, however we do recommend that you call on your own to confirm and ensure that you understand your benefits. You need to ask about your Chiropractic and Physical Therapy services. Our Doctors are Chiropractors with Physical Therapy Privileges so it is necessary that you find out what both benefits are even if you feel you will only receive one of the services.


We accept most major insurances

We accept most major insurance plans and all personal injury and workers’ compensation claims.
If you’ve recently been in a car accident you may qualify for free coverage.



Blue Cross/Blue Shield of Maryland

Blue Cross/Blue Shield PPN, PPO, FED

MAMSI Life and Health PPO


National Capital Area

OneNet PPO

Optimum Choice


Private Healthcare Services (PHCS)


Unicare NCCPO

United Healthcare

We also have many convenient payment options to help make any out of pocket costs or selfpay (uninsured) care affordable.