How do I verify coverage?

Benefits can be verified either by calling the number on the insurance ID card or by using Availity.com. We have tested Availity and it works. The deductible and copays are the main variables. All other benefits will be the same. Below are two examples of insurance ID cards. On the top card, there is a $5 co-pay for Specialist (Chiropractors). The deductible will not apply on exams, adjustments or modalities. It may apply on X-rays. On the bottom card, the deductible applies to everything. Notice the wording difference on the card. Once you verify coverage on one or two patients, it will become easy.