Insurance FAQs for Chiropractic & Physical Therapy Patients

We accept most major insurance plans, but coverage can vary. Please call us so we can verify your specific benefits.

We offer flexible payment options for patients without insurance, so you can still receive quality care at a reasonable cost.

Yes! Our staff will review your coverage and answer all your questions at no cost before starting any care.

Yes. We can arrange payment programs for patients who prefer to pay over time.

Many patients find that paying directly for care is very affordable, especially considering the long-term health benefits and relief provided by chiropractic treatment.

Personal Injury Protection (PIP) is mandatory auto insurance coverage in New Jersey that pays for medical expenses resulting from car accidents, regardless of who was at fault. If you were at-fault, learn more here.

Yes, PIP coverage specifically includes chiropractic care, physical therapy, diagnostic testing (MRIs, X-rays), and other medically necessary treatments for auto accident injuries. Most NJ PIP policies provide a minimum of $15,000 in medical benefits, though many policies offer higher limits. Dr. Kovacs’ office will verify your exact PIP benefits and explain your coverage before beginning treatment.

No referral is required to begin chiropractic care under your PIP coverage in New Jersey. You can visit Eatontown Elite Care Center directly after an auto accident without needing permission from your primary care doctor or insurance company. However, it’s important to seek treatment promptly—most insurance companies require medical care to begin within a reasonable timeframe after the accident (typically within 14-30 days) to ensure coverage. We offer same-day appointments for accident victims and can see you immediately to document your injuries and begin treatment.

In most cases, no. Your PIP insurance pays for your chiropractic care and physical therapy directly, meaning you typically won’t have out-of-pocket costs for treatment covered under your policy limits. We bill your PIP insurance directly and handle all the paperwork on your behalf. Some policies may have small co-pays or deductibles, which we’ll explain clearly when we verify your benefits. If you have questions about costs or coverage, our staff will review your specific policy details before your first appointment so you know exactly what to expect.

Yes, absolutely. Dr. Kovacs has extensive experience collaborating with personal injury attorneys throughout Monmouth County and New Jersey. We provide detailed medical documentation, treatment records, diagnostic reports, and expert opinions that support your injury claim. Our thorough documentation includes MRI interpretations, treatment plans, progress notes, and disability assessments when needed. We communicate directly with your attorney’s office, attend depositions when necessary, and provide whatever medical evidence is required to support your case. If you don’t currently have an attorney but need a referral, we can recommend experienced personal injury lawyers who specialize in auto accident cases.

Dr. Kovacs holds fellowship training specifically in auto accident injuries and treats the full spectrum of motor vehicle collision injuries under PIP coverage. Common conditions include whiplash and cervical strain, herniated discs, neck pain and stiffness, lower back pain and lumbar injuries, shoulder pain and rotator cuff injuries, headaches and post-concussion symptoms, soft tissue injuries, radiculopathy (nerve pain radiating into arms or legs), and thoracic outlet syndrome. His specialized training includes MRI interpretation, which allows him to accurately diagnose disc injuries and nerve compression that other chiropractors might miss. Treatment typically combines chiropractic adjustments, physical therapy modalities, rehabilitation exercises, and coordination with other specialists when necessary—all covered under your PIP benefits.