Auto Insurance accepted with $0 out of pocket if you qualify.

We just need your claim number the insurer's phone number and address to bill your PIP benefits regardless of who was at fault

PIP

Personal Injury Protection: Each Utah insured driver automatically has a minimum of $3000 that can be used for chiropractic and other services regardless of who was at fault. This benefit is extended to each occupant of the vehicle at the time of the accident. You may have additional coverage beyond the $3000 if you have that added to your policy.

Under Insured Medical Coverage

If you carry UIM coverage, your attorney may be able to access those funds on your behalf.

Bodily Injury Coverage

BI coverage is the insurance of the at-fault-party which covers injuries to you and your passengers. This coverage is accessible to cover additional medical care if your PIP benefits are not sufficient to fully diagnose and care for your injuries. In addition to covering medical costs, BI may also cover lost wages, pain and suffering and can be accessed for you by a competent attorney.

Worker's Compensation

At Spine Craft we can bill your employers insurance at NO COST TO YOU if you are injured at work.

State Worker's Compensation

State employees have mandatory worker's compensation insurance if they are injured on the job.

Private employer Work Comp

In Utah it is mandatory that every employer carry Work Comp Insurance on each employee. All we need is a claim number, billing address and phone number to file your medical care if you were injured on the job.

Federal Worker's Compensation

Spine Craft is one of the few clinics that is registered and able to bill under Federal Worker's Compensation in Utah. We will need a claim number to file the claims on your behalf.

Private Health Insurance

We are often able to provide care for your normal copay. Call to see if you qualify.

DBMA LDS Church Insurance

$50

DBMA Insurance carries a $50 deductible for chiropractic services in 2026

Select Health

$47

Our office expects to be in the Select Health Network in May 2026. In the meantime we accept your $47 copay for any covered services such as chiropractic, physical therapy, traction, heat, ultrasound and muscle stimulation.

HSA Cards Accepted

You can use your HSA card just like a debit or credit card at our office to cover the care you need.

Other Private Insurance

We continue to research and evaluate accepting new insurances. However, our self-pay rates are often near or below many insurance company copays. Some of our services are not covered by some insurers such as shockwave therapy, massage therapy and laser therapy. Benefits of paying at the time of service: 1. No deductible, 2. No surprise bills for uncovered services. 3. No limitations on care. 4. Significant discounts. 5. We can provide you a billable receipt to send to your insurer which should b

Care Credit Accepted

We are enrolled in and accept Care Credit. If you already have an account or if you apply and are accepted you can get the care you need and make monthly payments with zero interest. Terms apply.

Payment Plans

Times are tough and Dr. Wheeler and his team want you to be able to get the care you need. Schedule a FREE CONSULTATION and Dr. Wheeler and his staff will help you create a care plan and an affordable payment plan so you can live your best life.

Barter

Low on cash or credit? Call for a FREE CONSULTATION and discuss items or services that may be used in exchange for the care you need.