Insurance & Payment Options

Insurance and billing shouldn't be a mystery before you even walk in the door. Our office verifies benefits ahead of your first visit whenever possible, so you know what to expect financially before treatment begins.

Patients without applicable insurance, or with an open personal injury claim, have additional payment arrangements available — see below, or call our office to discuss your specific situation.

Minnesota is a no-fault state for auto insurance. Under the Minnesota No-Fault Automobile Insurance Act (Minn. Stat. § 65B.41–65B.71), every auto policy issued in Minnesota must include Personal Injury Protection (PIP) — also called No-Fault or Basic Economic Loss Benefits — which pays for reasonable, necessary medical care after a car accident regardless of who caused the crash.

In practice, that means chiropractic treatment for whiplash, back pain, and other accident-related injuries is typically billed directly to your own auto insurer's No-Fault coverage first — before fault is ever determined, and without waiting for a liability claim to resolve. Minnesota's standard minimum No-Fault coverage is $40,000 in Basic Economic Loss Benefits: up to $20,000 for medical expenses and up to $20,000 for wage loss and other related costs.

Once No-Fault benefits are exhausted or unavailable, care can often continue under a lien-based billing arrangement while a liability claim is pending. Coverage details vary by policy — this is general information, not legal or insurance advice, and our office verifies your specific No-Fault benefits before treatment begins. This section describes Minnesota's rules specifically — Wisconsin, including Hudson, is an at-fault state with a different claims process; see our Hudson location page for details.