Flourish FAQs
Discover how we can help you on your path to wellness. Find answers, gain insights, and learn how to prepare for your journey with us.
Table of Contents
Know Your Insurance Guide
- What is a deductible? A deductible is the amount of money you are required to pay out-of-pocket for covered healthcare services, such as medical visits and claims, before your insurance plan begins to provide coverage. This deductible generally applies if you have coinsurance, although exceptions may exist.
- Visits per year: Your insurance policy outlines a limit on the number of visits covered annually. Once you reach this limit, your insurance will no longer provide coverage for the benefit, regardless of whether you have met your deductible or annual out-of-pocket maximum.
- What are combined limits? Insurance companies may impose combined limits for various services. For instance, you may have a limit of 20 visits per year for chiropractic care, which could also be subject to a combined limit that includes acupuncture. If you have already utilized two acupuncture visits this year, you will have two fewer visits available for chiropractic care.
- What is coinsurance? Many individuals confuse copayments with coinsurance, but they are distinct concepts. Coinsurance refers to the percentage of costs that your insurance covers after you have met your deductible. For example, if your coinsurance is set at 70%, your insurance will pay 70% of the costs for chiropractic visits, but only after you have satisfied your deductible.
- What is a copay? A copayment, or copay, is a fixed dollar amount established by your insurance. Regardless of the length of the appointment, you will always need to pay this set amount (e.g., $20 per visit), regardless of whether you have met your deductible.
- What is prior authorization? Some insurance plans require providers to submit requests to access specific benefits, such as physical therapy. When your insurance policy includes prior authorization requirements, we must submit a letter to your insurer explaining the necessity of the care. Typically, they approve a specific number of visits, and once those are exhausted, we must request additional visits from your insurance. We handle this process as a courtesy, but please note that prior authorizations can sometimes be denied, or your insurance may request further information, necessitating additional paperwork from you. We will ensure you are kept informed throughout this process!
2026 Time of Service Pricing:
Chiropractic Services:
- Up to 60 Min – $198
- Up to 40 Min – $158
- Up to 30 Min – $120
- Up to 20 Min – $82
Massage Services:
- 60 Min – $102
- 90 Min – $160
Are you in-network with my insurance plan?
Our chiropractors are in network with PPO plans of the following insurance companies:
- Aetna
- Anthem
- Blue Cross Blue Shield
- Community Health Plan of WA
- First Choice
- Kaiser Permanente (Core, HMO, PPO)
- Lifewise
- PIP (Personal Injury Protection insurance)
- Premera
- Regence
- United
Our massage therapists are not contracted with any insurance company. We can bill your insurance as a courtesy to you, regardless of our network status with your insurance. Any time we bill insurance for massage, a prescription from your provider is required since massage therapists cannot diagnose in Washington state, which is needed for billing insurance.
We are not able to accept the following insurance plans:
- Apple Health (Washington State)
- Cigna (Out of Network)
- Medicaid/Medicare/Molina
- Worker’s Comp (L&I)
Please note: Washington Apple Health and other Medicaid programs do not typically cover chiropractic or massage services.
Plans With No Massage Benefits:
- Kaiser Core
- Kasier HMO
- Regence plans with the prefix UDWW
- Regence plans with the prefix ZLF
What does my insurance plan cover?
Great question! We HIGHLY recommend that you contact your insurance company personally to have them explain your specific benefits to you before your first appointment.
While we can access certain information from your plan online, we can’t always see the fine details for each service. Each person’s plan is like a snowflake, unique and intricate like you and your plan.
We can never guarantee coverage. All we can guarantee is that we will bill out to the insurance company and await their response.
*It’s rare, but some insurance plans, while they may cover chiropractic treatment, will not cover certain codes (97110, 97530, 97140 etc) that we utilize for physical therapy and muscle work in our chiropractic sessions. This is based off the plan and insurance provider you chose for your healthcare needs. Please ask your insurance when you call and refer to our Patient Contract for more information.
Some Kaiser and CHPWA plans require a referral to a chiropractor or massage therapist before covering your care. Please call your insurance company and ask if your plan requires a referral.
Can I get Chiropractic and Massage here on the same day?
Yes! Since our massage therapists are out of contract, you are able to use your insurance for massages and chiropractic on the same day. We are excited to be able to offer this for you!
How much will my appointments cost?
Cost for services will always depend on your individual insurance plan.
Each person’s deductible, copay, coinsurance, etc. is different depending on the elections you made during your enrollment period for your insurance plan.
We are happy to try and look up this information for you, but again, it’s always best to verify this information with your insurance company directly. Disclaimer: We can never guarantee coverage or payment by the insurance company.
For massage therapy, we will collect $116 at the time of your massage and submit your claim to your insurance company as a courtesy. Your insurance company will then reimburse you for whatever amount they owe.
What is CBD Massage?
CBD Massage is any massage service with organic jojoba oil CBD. This product was chosen over others because it is unscented, organic, is grown on land that has been free of pesticides for over half a century, is batch tested by a third party research lab to ensure the product is under the legal 0.3% THC, is free of heavy metals or pesticides, and is all-natural. To learn more about this specific product, visit the Happy Buddha Hemp website.
This service will be a $20 add on to any massage and cannot be billed to insurance or personal injury. For this, HSA and FSA cannot be used. All our massage therapists offer this service (& love the relaxing effects it has for their clients!)
This is a CHABA (Cannabis Health and Beauty Aid) product which means it is intended for use only as a topical application to provide therapeutic benefit, contains less than 0.3% THC concentration. It is completely legal in the state of Washington.
I was involved in a car accident. Can I use my auto insurance to pay for my treatment?
Medical bills associated with car accident injuries can be paid using your auto insurance policy only if your plan includes Personal Injury Protection (PIP).
You can contact your claims adjuster or auto insurance carrier to verify your PIP amount for the accident towards medical costs. Want to read more on what insurance to use after a car accident? Read more on this helpful Personal Injury blog by Andrew Cherin, a local Personal Injury Attorney and client advocate.
What if I don’t have PIP coverage? Or what if the accident isn’t my fault?
If you do not have PIP coverage, you will need to utilize your private health insurance for treatment.
You would still be responsible for any balances not covered by your health insurance policy.
If you were involved in an accident where you are not at fault and you wish to use the At-Fault parties’ PIP coverage to pay for your medical expenses, this is classified as a 3rd Party auto accident case.
We hold the right to accept third party cases on a case by case basis. Third party cases sometimes take years to reconcile. We are smaller offices that offer quality one-on-one care. For this, we have a maximum number of third party cases we can accept at a given time. We would require that you sign a medical lien against your settlement to ensure payment to our office once your case has been settled. Please call our main office to inquire if we are currently accepting new third party cases.
Want to read more on PIP, third party claims and car accidents? Read more on this helpful Personal Injury blog by Andrew Cherin, a local Personal Injury Attorney and client advocate.
Which services can I use my HSA or FSA?
HSAs are for healthcare services that are billed to your insurance and medically necessary, regardless of network status with your insurance company.
They cannot be used for maintenance or routine care.
FSAs are a bit more flexible and can be used for wellness massages (maintenance and routine care), as long as you have documentation from your medical provider or chiropractor showing the number of visits recommended, frequency, an expiration date, and why the massage is needed (diagnosis or diagnoses.)
For all massages involving HSAs or FSAs, your card on file will be charged at your appointment and your insurance company will directly reimburse you what you are owed after they process your claim.
HSAs and FSAs do not cover additional time over 60 minutes or CBD add-ons. Those will be charged separately at the time of your service.
Here’s more information on Using HSA/FHA for Chiropractic Services
How can I look up my insurance benefits for massage?
To look up your own benefits:
- Call the number on the back of your insurance card and ask to speak to a representative.
- Ask for benefit information for “Medical Massage (service codes 97140 or 97124) performed by a licensed massage therapist from Tax ID #88-1932831“
- How many visits per year do I have?
- Are my visits subject to deductible? If so, how much?
- What date does my plan reset?
- May I have a reference # for this call?
How can I look up my insurance benefits for chiropractic care?
To look up your own benefits:
- Call the number on the back of your insurance card and ask to speak to a representative.
- Ask for benefit information for “Chiropractic Services (service codes 99203, 99213, 98941, 98943, 97110, 97530, & 97140) performed by a licensed Chiropractor from Tax ID #47-3068481“
- How many visits per year do I have?
- Are my visits subject to deductible? If so, how much?
- What date does my plan reset?
- May I have a reference # for this call?
For chiropractic, an examination is performed at the first visit, if there is a new area of complaint, or if it has been at least 3 months since we have assessed your progress. This is to show if chiropractic is a good fit and if the care is medical necessity for your insurance care provider. There is also physical therapy or soft tissue work performed with each adjustment at your visit with your chiropractor.
Where can I park?
There is plenty of street parking on E Pine, Summit, Pike, and surrounding areas or paid parking garage facilities on Summit Ave or parking facilities.
How do I enter and exit the building?
We are located inside the Portofino Building on Level P. Please use the call box at 417 E Pine Street to be let into the lobby and take the elevator to Level P.
Please only enter by taking the elevator up to level P and exit by taking the elevator down to the lobby as all doors with handles in the garage lock behind you and can only be opened with a key or remote, as stated on the doorway. There are clearly marked signs to help guide.
If you accidentally get locked in the outdoor garage despite signage, there is no judgement, and please call the office at 206-851-2242. Tampering with the garage gate costs hundreds of dollars, is monitored by Portofino residents via camera, and the repair bill will be passed along to you.
In case of emergency only: From Flourish’s door, exit the hallway to the right to the garage. Press the black “open” button to the left of either of the garage gates. Do not exit any doors with handles on them.
How often should I see the chiropractor?
Your current concerns and long-term health goals determine how often you’ll visit the chiropractor and how long your treatment plan lasts.
For example, if you’re treating a recent injury, you may only need to come in for a few weeks or months. But a chronic concern — like pain caused by arthritis or scoliosis — may require you to come in for several months or longer.
Your treatment plan may also suggest seeing the chiropractor a few times a week, once a month, or less frequently. Learn more about how often you’ll visit the chiropractor.
How long will my appointment last?
The average appointment lasts from 40 to 60 minutes for initial sessions and 15-30 minutes for returning sessions. but appointment lengths may vary.
Your first appointment is usually the longest. This gives us enough time to gather your medical history, learn more about your concerns, and create an individualized treatment plan that helps you find relief. Most people do get some form of hands-on or instrument assisted treatment on the same day of their initial session.
Learn more about how long chiropractic appointments are (and why).