Financial Policy

At Bay Street Wellness, we're convinced that a small amount of your time and money to care for your most important asset--your health--will be far less time consuming and expensive than trying to recover it. If you feel you do not have enough time or money to take care of yourself, please contact us--we can help! The last thing we want is for you to come to our wellness center in crisis. So please, we would like to encourage you to take your health very seriously. As the old saying goes, if you don't have your health, you don't have anything. Unfortunately, too many people don't discover how true that statement is until it is too late.

Bay Street Wellness believes in the value of wellness care for you and your family and have maintained a pricing structure that allows care for all budgets. Our office participates in most insurance programs. We also accept auto accident cases. For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. To learn more about our payment options for chiropractic and wellness care, you can call our office directly.

Patient Financial Policy

In order to reduce confusion and misunderstanding between our patients and our practice, we have adopted the following financial policy. We are dedicated to providing the best possible care and service to you and regard your complete understanding of your financial responsibilities as an essential element of your care and treatment.

We are regulated by Mediare guidelines; therefore, we are required to perform re-exams if you have not been seen in our practice within 6 months. These exams will be a fee in addition to adjustments or any therapies. We do offer a Discount Medical Plan through ChiroHealth USA to offer legal discounts off our regular fee schedule.

No Insurance Coverage

For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. If you have no insurance or do not have chiropractic benefits there is still a way for you to receive the care you need. Many patients pay directly for care, as they discover chiropractic to be extremely cost-effective and affordable.  We do offer ChiroHealth USA, a discount medical plan, to make your visits more affordable.

Unless arrangements have been made in advance, full payment is due at the time of service. For your convenience, we accept cash, check , and MasterCard/Visa.  

Medical Insurance Coverage

Most insurance plans are accepted at our office. We accept auto accidents PIP and most health insurance plans, including Medicare. Since there are so many plans and coverage varies widely, please call us to find out if your plan covers care in our office. Our staff will verify and explain your benefits before treatment. 

Your insurance policy is a contract between you and your insurance company. Please take the time to verify your coverage for chiropractic care with your insurer by contacting them through the customer/member service number on the back of your card. As a courtesy, we can file your insurance claim for you. If, for any reason, your insurance company does not pay the bill, you shall ultimately be responsible for the balance.

Please note that all health plans are not the same and do not cover the same services. In the event that your health plan determines a service or portion of the service to be "non-covered", you will be responsible for the complete charge.  Any balance due is your responsibility and payment is due upon receipt of statement from our office.

Copayments and Deductibles

You will be required to pay any deductibles and authorized co-payments at the time of service. We gladly accept MasterCard/Visa/Discover/American Express, and Care Credit.


Office Hours


8:00 am-12:00 pm

1:30 pm-5:30 pm


7:00 am-12:00 pm


7:00 am-12:00 pm

1:30 pm-5:30 pm


7:00 am-12:00 pm


7:00 am-2:00 pm