Why We’re a Cash-Pay Practice

If you have looked into chiropractic care for your family and wondered why our office does not bill insurance, you are not alone. It is one of the most common questions parents ask before their first visit. Here is the honest answer.

Insurance companies decide what type of care gets covered and for how long. That works fine for some kinds of treatment, but it was never built for the kind of neurologically-focused, whole-family care we practice at Smith Elite. Insurance plans typically only cover a handful of visits, focused narrowly on pain relief, with a case manager somewhere deciding when your care is “done.” That is not how nervous systems heal, and it is especially not how growing kids and pregnant moms should be cared for.

Being a cash-pay practice means Dr. G decides your care plan, not an insurance adjuster. It means we can take the time a full CLA INSiGHT scan requires, build a plan around what your body is actually showing us, and adjust that plan as your family’s needs change, without asking permission from anyone but you.

It also means simpler, more transparent pricing. You know your cost up front. No surprise bills months later, no coding disputes, no denied claims. Most families also do not realize that HSA and FSA funds can be used for chiropractic care, which makes it easy to use money you have already set aside, tax-free, for your family’s care.

We know cash-pay is a real commitment, and we do not take that lightly. Every new patient starts with a $97 exam and consultation, including a full nervous system assessment, so you can see exactly what is going on before deciding on a care plan. No guessing, no pressure.

If you have questions about what a visit costs or how HSA and FSA can help, our front desk team is happy to walk you through it before you ever book. Schedule your first visit today and see what neurologically-focused care actually looks like.