Health Insurance

Heath Insurance can be very confusing, be at Turning Point Chiropractic, we are committed to making sure our patients are comfortable and understand as much as possible about their health care. Our Saratoga Springs staff will call your insurance provider to verify your benefits and make sure your health care needs are covered. Below is a quick guide to health insurance and chiropractic.


Health Insurance Networks

Here are the networks that we are currently participating with:


Blue Cross Blue Shield

Empire Blue Cross


NYSHIP – The Empire Plan (MPN)

United Healthcare


It’s YOUR TURN Health Membership

The Turning Point Chiropractic, It’s YOUR TURN Health Membership was designed for the residents and guests of Saratoga Springs to be able to take control of their health care needs and cost. We have partnered with many local health resources to give patients the opportunity to experience a truly healthy and active lifestyle


Heath Insurance Lingo:


A Deductible is an amount you have to pay before your insurance “kicks in”. Not everyone has a deductible, but those who do can expect to pay anywhere between $250 and $10,000 before their insurance starts to contribute.



A co-pay is the amount you are expected to pay at each visit.



Co-insurnace is the percentage you pay for care. For example, your co-insurance may be 80/20, meaning the insurance company will pay 80% of the bill and you pay 20%.


Health Savings Acount (HSA), Flex Spending Accounts (FSA)…

HSA, FSA and other accounts can be set up by you or an employer to help cover the amount that you are expected to pay. These accounts can be used for a variety of expenses. A list of acceptable charges can be found on the IRS website HERE.


Insurance can be very confusing, but we are here to help. Feel free to CONTACT US with any questions about health insurance.