Payment Options

Insurance & Financing at OKC Pain Relief

Coverage for spinal decompression and laser therapy varies significantly by insurance plan. The best way to find out what your plan covers is to call us before your first visit. We'll verify your benefits at no charge.

Insurance Coverage

What Insurance May Cover

Spinal decompression therapy and Class IV laser therapy are not universally covered benefits. Coverage depends on your specific plan, the diagnosis on file, and how your insurer categorizes these services. Some plans include them under chiropractic or physical medicine benefits. Others treat them as non-covered services.

The only reliable way to know your coverage is to verify it before you commit to a course of care. We do that for you. Call us with your insurance information and we'll contact your insurer, confirm your specific benefits, and give you a clear summary before your first treatment.

We work with a range of insurance carriers. Call us at 405-363-9712 and have your insurance card ready.

Before you call your insurer yourself: Benefit language on insurance member cards and online portals is often general and doesn't reflect whether a specific treatment code is covered. We're familiar with how these services are billed and verified, and we can get you a faster, more accurate answer.

What to Have Ready When You Call

  • Your insurance card (front and back)
  • The member ID and group number
  • The name of the plan holder if different from you
  • Your primary care physician's name, if required by the plan

Questions to Ask Your Insurer

  • Is spinal decompression therapy (CPT 97012 or 97016) covered under my plan?
  • Is Class IV laser therapy (CPT 97026) covered?
  • Do I need a referral or pre-authorization?
  • What is my deductible and has it been met?
  • What is my co-pay or co-insurance for chiropractic or physical medicine visits?

CPT codes are listed for reference only. Actual codes may vary based on the services provided at your evaluation.

When Insurance Doesn't Cover It

Payment and Financing Options

If your plan doesn't cover the recommended treatment, or if you're uninsured, we have options. We'd rather work out a plan that makes care accessible than have you go without treatment you could benefit from.

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Major Credit Cards

We accept all major credit cards for treatment and consultation fees.

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Payment Plans

We offer in-office payment arrangements for patients paying out of pocket. Ask our staff about current options when you call or come in.

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Health Savings Accounts (HSA/FSA)

Spinal decompression and laser therapy may be eligible expenses under your HSA or FSA. Confirm with your account administrator. We can provide itemized receipts.

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Call to Discuss

If cost is a concern, call us before you decide not to come in. We may be able to work with your situation in ways we can't explain on a webpage.

Let's Figure It Out Together

We'll Verify Your Benefits Before Your First Visit

Call us with your insurance information and we'll do the verification work for you. No charge, no commitment.

Call 405-363-9712 Request a Callback

Insurance benefit verification is provided as a courtesy and does not guarantee payment by your insurer. Final coverage determination is made by your insurance company.