Payment Options
Baca Chiropractic is a cash-based practice. We accept auto injury and PIP cases, offer flexible patient financing through Cherry and CareCredit, and provide straightforward time-of-service pricing for out-of-network patients.
Choose Your Payment Path
Auto Injury & PIP
Injured in an auto accident? Baca Chiropractic accepts personal injury and PIP cases. Auto insurance (PIP/Med-Pay) is billed directly — no out-of-pocket cost for qualifying injuries.
- PIP and Med-Pay billed directly
- No out-of-pocket for qualifying cases
- Complete clinical documentation provided
- Supports your personal injury claim
- Same-day appointments available
Out-of-Network & Cash Pay
Baca Chiropractic does not contract with insurance providers. We offer competitive time-of-service pricing, and can provide a Superbill upon request for out-of-network reimbursement.
- Transparent time-of-service pricing
- Superbill provided on request
- Submit to your insurer for reimbursement
- Medicare beneficiary information available
Cherry Patient Financing
No hard credit pull, instant decisions, and plans starting at 0% APR. Available for chiropractic services, nexus letters, and DBQ evaluations. Approval valid for 30 days.
- Apply in minutes with no hard credit pull
- Plans starting at 0% APR
- Available for all services including nexus & DBQ
- Approval valid for 30 days
CareCredit Financing
A reusable healthcare credit card with special financing plans accepted at thousands of providers nationwide — including Baca Chiropractic.
- Accepted for all services at Baca Chiropractic
- Special financing plans available
- Reusable revolving credit card
- Use at thousands of providers nationwide
Cherry vs. CareCredit — Which Is Right for You?
Both Cherry and CareCredit are legitimate financing options accepted at Baca Chiropractic. Here's how they differ so you can choose the one that fits your situation best.
| Cherry | CareCredit | |
|---|---|---|
| Type | Patient financing platform | Healthcare credit card |
| Credit Check | No hard credit pull | Hard or soft pull depending on plan |
| Approval Validity | Approval valid for 30 days — apply when you're ready to proceed | Revolving card — no expiration on approval |
| Application | Apply at point of service or online | Apply online at CareCredit.com |
| Decision Speed | Instant decision | Typically within minutes |
| Interest | 0% APR plans available for qualified patients | Special financing plans available; deferred interest may apply |
| Where Usable | Baca Chiropractic and other Cherry-enrolled providers | Thousands of healthcare providers nationwide |
| Best For | Nexus letters, DBQs, and patients who want no hard pull | Patients who already have CareCredit or want a reusable healthcare card |
| Reusable Card | No — per-transaction financing | Yes — revolving credit card |
Choose Cherry if…
- You want no hard credit pull
- You need financing for a nexus letter or DBQ
- You want an instant decision at time of service
- You prefer a simple, one-time payment plan
- You plan to use it within 30 days of approval
Choose CareCredit if…
- You already have a CareCredit card
- You want a reusable healthcare credit card
- You use CareCredit at other providers too
- You prefer a traditional revolving credit line
Questions About Pricing?
Call or text us directly — we're happy to walk you through your options before your first visit.