Insurance

What insurances do you accept?

We are in-network with most major insurance carriers, including:

  • Aetna
  • Anthem
  • Beech Street
  • Blue Cross Blue Shield
  • Cigna
  • Coventry
  • Empire
  • GEHA
  • Humana
  • Medicare
  • Multiplan
  • Tricare
  • United Health Care
  • WEBTPA
  • Workers’ Compensation

When you make your first appointment as a new patient, a representative will verify your benefits and let you know if it is a policy we work with.

We also work with many Workers’ Compensation cases.

Financing

Do you offer financing options?

At Deuk Spine Institute, we want to make relieving back and neck pain as easy as possible. For that reason, our practice helps patients explore a number of different financing options. With the right financing option, you can enjoy relief from pain when you need it.

Deuk Spine Institute carries two widely accepted and respected financing options for patients:

Care Credit

  • Fixed Rate at 14.9%
  • 5 year term
  • No pre-payment penalties
  • Allows co-signers

You are welcome to contact a Patient Advocate and they will assist you with the loan application process

Compass Payment Solutions

  • Flexible payment options: Fixed Term Loans and Revolving Lines of credit
  • Credit limits range from $1,000 to $50,000
  • Can offer multiple loans to cover higher requested amounts
  • Financing programs available for people with excellent to below average credit
  • Rates start as low as 5.99%. Terms and conditions will vary with each approval
  • 0% for up to 12 months available on most approvals
  • No pre-payment penalties

Application can be submitted on line www.compasspaymentsolutions.com , or by phone 800-421-9598

Outside Financing

HELOC (Home Equity Line of Credit)

  • Interest rate is based off Prime Rate; you can typically find rates 1-2% above Prime
  • Loan can be paid off over the course of 20-30 years; payment is usually interest-only payment
  • Interest paid on home loan can be tax deductible
  • You should check with your local bank for HELOC opportunities

401(k), IRA, or any other retirement account

  • In many cases our procedure is seen as a Medical Hardship, which can waive any extra penalties from withdrawal
  • You will still be responsible for any taxes due from withdrawal of funds
  • 401(k) – you will usually have the option of withdrawing funds or taking a loan against the account for medical reasons with no penalty
    • Loan – the interest rate is usually about 1-2% above prime and the interest payments are being paid back into their own account (non-washed interest)
    • Loans can be up to a 5 year term

Credit Card(s)

  • We accept any and all credit card providers (you can use multiple cards if needed)