Care Options & HSA/FSA

Navigating Your Care Options

We offer distinct pathways for our medical procedures, recovery therapies, and wellness programs to ensure complete clarity regarding coverage and billing:

1. Insurance-Covered Medical Care

Certain physician evaluations, diagnostic workups, and interventional pain procedures performed through Monterey Pain & Spine Institute may be billed through health insurance when medically necessary and covered under your specific plan terms.

• What may be covered: Medical evaluations, diagnostic consultations, and specific image-guided interventional spine and joint procedures.
• Verification: Our administrative team will verify your benefits prior to major procedures to help you understand your coverage, deductibles, and co-pays.

2. Self-Pay Wellness & Recovery Services

Many of our proactive recovery, longevity, performance, and wellness therapies are offered as self-pay care options. This model allows us to deliver cutting-edge, personalized treatments without the restrictions or delays often imposed by traditional insurance carriers.

• Services included: Hyperbaric Oxygen Therapy (HBOT), IV Drip Therapy, Infrared Red Light Sauna, Float Therapy, Compression Therapy, EPAT/Shockwave Therapy, Hormone Optimization, and specialized memberships.
• Flexible Access: Self-pay care options can be purchased as individual services, credit packages, or monthly memberships.

3. Personal Injury & Lien-Based Care

For patients recovering from motor vehicle accidents or personal injuries, we provide comprehensive medical evaluation and interventional care coordinated directly through legal liens when appropriate.

• We work closely with attorneys and case managers to ensure clear documentation, treatment plans, and billing alignment.
• Visit our Personal Injury Page to learn more about our accident recovery services.

Using Your HSA or FSA Accounts

Many of our medical, interventional, and therapeutic services may be eligible for reimbursement using your Health Savings Account (HSA) or Flexible Spending Account (FSA).

How HSA/FSA Reimbursement Works

1. Eligible Expenses: Medical consultations, interventional pain procedures, and physician-recommended recovery or regenerative therapies may qualify under federal HSA/FSA guidelines.
2. Itemized Documentation: Upon request, our office can provide itemized receipts or detailed superbills showing the services provided, dates of service, and provider credentials.
3. Plan Guidelines: Eligibility ultimately depends on your individual plan administrator, diagnosis, and specific coverage terms. We always recommend confirming eligibility requirements with your HSA/FSA provider prior to treatment.

Payment Methods & Packages

To make receiving care as convenient as possible, we accept:

• All major credit cards (Visa, MasterCard, American Express, Discover)
• HSA and FSA debit cards
• Structured credit packages and monthly membership pathways for ongoing wellness care

Have Questions About Your Coverage?

Our team is dedicated to guiding you through your payment options so you can focus entirely on your health and recovery.