Insurance & Payments

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Insurance & Payment Made Simple

Our healthcare facility offers a wide range of services designed to meet the diverse needs of our patients. With state-of-the-art equipment and a team of experienced healthcare professionals, we are committed to providing exceptional care in a comfortable and supportive environment.

Injured in a Car Accident? Here’s How Your Care Is Covered

If you’ve been hurt in a car accident, you usually don’t need to use your health insurance at all. In most cases, treatment is paid for by:
  • The at-fault driver’s insurance, when someone else caused the crash.
  • Your own auto policy — specifically your Personal Injury Protection (PIP), Medical Payments (MedPay), or uninsured/underinsured motorist coverage — if you carry it.
  • A letter of protection, if you’re working with a personal-injury attorney. We can coordinate care so your treatment is covered as part of your case.
  • Texas law lets you see a chiropractor directly — no referral needed — and the sooner you’re seen after an accident, ideally within 72 hours, the better your recovery tends to go. Not sure what coverage you have? Call us at (210) 684-2313 and we’ll walk you through exactly how your visit will be paid for before you ever come in.

Paying Out of Pocket? Self-Pay, Made Simple

Many of our patients choose to pay for their care directly, and we make that easy and transparent. Being a cash-pay practice is actually good news for you:
  • Your care plan is based on what your body needs — not on what an insurance company will approve or how many visits they’ll allow.
  • You know the cost up front. No surprise bills months later, and no claims paperwork to chase.
  • More one-on-one time. Without insurance billing dictating the schedule, Dr. Coe can give you an unrushed visit.

Frequently Asked Questions

Q: Do you accept my health insurance?

Culebra Chiropractic is a cash-pay and auto-accident practice, so we don’t bill group or commercial health insurance plans. For most patients, that’s a good thing — your care is guided by what your body needs rather than what an insurer will approve, and you’ll always know your costs up front. A Good Faith Estimate is available any time you ask.

I was in a car accident — do I need insurance?

In most cases, no health insurance is needed. Care after a car accident is typically covered by the at-fault driver’s insurance, or by the Personal Injury Protection (PIP), MedPay, or uninsured-motorist coverage on your own auto policy. If you’re working with an attorney, we can coordinate care under a letter of protection. Call us at (210) 684-2313 and we’ll explain exactly how your visit will be covered.

How much does a visit cost?

Your cost depends on your specific needs, which we’ll review at your first visit. We’re glad to provide a Good Faith Estimate beforehand so there are no surprises — just call (210) 684-2313 or ask our front desk.

Do I need a referral to be seen?

No. In Texas you can see a chiropractor directly without a referral from another doctor. You can book online or call us and come straight in.