Insurance Information in St Paul MN

Chiropractic St Paul MN Insurance Options

At Twin Cities Headache Neck & Back we are committed to making our care affordable for just about anyone. We gladly accept most health insurance in St Paul MN.

We will work with you to help you take full advantage of your health care coverage. Call us today and one of our staff members will be happy to walk you through this process.

Insurance Plans in St Paul MN

We are In Network providers for the following insurance plans. If you don't see your insurance plan listed and would like to find out if you have coverage, please call our office (651) 925-5530 and we can verify coverage for you.

MN "No - Fault" Auto Insurance
Note: All auto policies are required to have medical coverage, even if you only have liability insurance.

Workers Compensation
Note: All employers are required to carry coverage.

  • Aetna
  • BPA
  • BCBS
  • Humana
  • Mayo MMSI
  • PreferredOne
  • SelectCare
  • Golden Rule
  • Great-West Healthcare
  • Medica
  • United Healthcare
  • HealthAllies
  • Medical Resource, LLC
  • Medicare
  • HealthPartners
  • Patient Choice
  • UCare for Seniors
  • UCare MN - Medicaid

Budget Planning

Budget Planning is available to everyone who has to pay a percentage of their care. We have designed payment plans that will accommodate almost any budget. These plans work for individuals and families. With the budget plan, you will be able to pay off your balance in a stress free manner without having to wait to get the health care that you need. Budget plans are typically used for high deductibles, high co-pays, little to no insurance coverage, multiple family members under care and wellness care.

FLEX, HSA (Health Savings Accounts) Plans

We accept many FLEX and HSA plans. These exist to help the patient pay for their financial portion and percentage of their care.

Auto Accident Injuries

In MN, No Fault Insurance covers almost always 100% of health care services related to injuries from a motor vehicle collision. Every auto insurance policy in MN is required to have $20,000 minimum coverage of medical and chiropractic expenses. This is available to everyone even if they don't know it is there. It also covers wage loss, mileage reimbursement and replacement services. You have the right to choose any doctor.

MN state law allows someone without insurance (such as passengers and pedestrians) to have medical and chiropractic coverage if they have injuries from a motor vehicle collision.

Below are some FAQs about auto accidents:

  • Who pays for my medical care if I am injured? MN is a no-fault auto insurance state. It doesn't matter who caused the accident, YOUR insurance covers YOU. If your injuries resulted from a motor vehicle collision, your auto insurer pays the bills. No fault pays for many expenses such as: Medical care, Chiropractic care, Wage loss Work loss & Replacement Services, Mileage
  • Is No-Fault Coverage mandatory in MN? Yes. All auto  insurance plans in MN are required to provide no-fault  coverage, even if it is just a liability insurance plan.
  • Of the all cars involved, who pays my medical/chiropractic bills? Your own no-fault coverage does.
  • I was hit by a driver who then ran off. So who pays my medical/chiropractic bills? Luckily for you, you are still covered.Your own no-fault coverage pays your bills.
  • What kind of health care can I receive? Under no-fault auto insurance you are entitled to go to any medical or chiropractic doctor of your choice.
  • What if I didn't have auto insurance or didn't own a vehicle? According to the MN No-Fault Act, you may be covered under the policy of another household member, the vehicle you were in or through the Assigned Claims Plan. This can become complex. For help finding out where your coverage will come from, call us at (651) 925-5530 for assistance.

COMMON MYTHS: Low speed collisions do not cause injuries. FALSE. There is no known threshold for injury. For example, collisions as low as 2.5 - 5 mph during testing have injured human volunteer test subjects.

You can tell how badly someone is injured by how badly the vehicle is damaged... and no vehicle damage means no injury. FALSE & FALSE. There is no relationship between property damage and occupant injury. Collision impact forces that are not strong enough to damage a stiff car can still damage the occupants.

Pain will go away on its own. FALSE. A significant percentage of those injured suffer chronically. Pain that is left untreated, over time, can change the nervous system and a chronic pain syndrome can develop.

Next, pain from a motor vehicle collision is the result of tissue damage. Tissue damage when left untreated may lead to arthritic changes, loss of range of motion and other tissue changes. Torn muscles, for example, don't get replaced with muscle. Regretably, the body replaces torn muscle with scar tissue. Scar tissue does not have the ability to move like muscle tissue moves. It is stiffer, weaker and less elastic to future trauma. The scarring process (if not managed correctly) can create excessive intra-muscular scarring. This scarring is another frequent source of chronic pain and would have been preventable, had the injury been managed properly from the beginning.

Just taking over the counter medication from the drug store for awhile is all one needs to do. FALSE. Injury is injury. Pain medication covers up the signal. Pain is a signal that your body needs help. Covering up the pain is like covering up a warning light on your cars dashboard. The problem is still there even if the signal is covered up.

If you or someone you know has been injured in a motor vehicle collision, get examined right away! We are here to help you. Call (651) 925-5530 to make an appointment today.

Work Injuries

Injured workers may receive necessary chiropractic care. Few plans have limitations on which doctor you can choose. If you been a patient in the past with a doctor, typically you may see the same doctor again.

If you are injured while performing your job duties, first report the injury to your supervisor. MN law requires employers to carry insurance for injuries at work. Workers Compensation covers 100% of your injury treatment. Once you begin seeing a chiropractor, you have only 12 weeks from that point forward to complete your care with your doctor. Depending on your severity, more care can be authorized.

If your work comp carrier has a managed care contract, there may be some exclusions. Call us at (651) 925-5530 and our experience staff can help you with the paperwork and claims information.


8:30am - 12:00pm
2:00pm - 6:00pm


8:30am - 12:00pm
2:00pm - 6:00pm

2:00pm - 6:00pm

8:30am - 12:00pm

Saturday & Sunday

Twin Cities Headache Neck & Back

245 Ruth St N #205
St Paul, MN 55119
P: (651) 925-5530
F: (651) 493-1980