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Payment Options

Do you accept insurance?

In order to work on behalf of your best interests, our office does not accept most insurances. You will see the types of insurances we do accept listed below. Upon request, we provide you with the proper documentation needed for you to file your insurance claims. If you have chiropractic insurance benefits you can easily file for reimbursement. See our reasoning in the next paragraph.


Why don’t you accept insurance payments?

There are several reasons.

Reason #1. Doctors who take insurance are forced to use a limited set of “insurance-approved” treatments in order to receive payment, regardless of your needs. We define your care plan based on your goals — and not on the bottom-line of your insurance company.

Reason # 2. The maximum insurance reimbursement for a chiropractic visit is about $55 (figure based on the 2014 Medicare Fee schedule), regardless of the time a doctor spends with you. We simply can’t provide you with our quality personalized care for that. This is why insurance-dependent doctors can only spend a few minutes with you — in this case you really do get what you pay for.

Reason #3. Many chiropractors who rely on insurance claims will order the set of insurance-approved extras to maximize income — regardless of a patient’s condition. We’ve made the decision to avoid this system altogether, and focus on giving you high-quality care. The results speak for themselves.

Reason #4. Doctors who depend on insurance payments must hire extra staff to process claims. These costs are passed on to patients via increased rates or decreased time with the doctor. We choose to keep our rates reasonable instead of adding these administrative costs.

Reason #5. We have a policy of keeping pricing simple with no hidden charges. Our flat fee structure covers everything necessary for each visit and makes our care affordable and available to the whole family.

Reason #6. We are therefore more cost-effective than an insurance-based practice, because we start with the goal of getting you back to optimal health quickly. Many chiropractors will want you to get weekly treatments for the rest of your life; we simply don’t subscribe to this philosophy of endless doctor’s visits.


Can I use my Health Savings Account (HSA) or Flex-Spending Card?

Yes. These types of accounts function just like credit card or check payments.


Are you more expensive than other clinics?

Not when you do the math. Dr.Cullers will spend a minimum of 30 minutes and up to a full hour of one-on-one time with you during every session. As a comparison, “high-volume” chiropractors may charge $60 per visit, but you get what you pay for: typically 5-10 minutes with the doctor. These doctors often prescribe at least weekly adjustments, and want you to continue care indefinitely. You might also be billed for various ‘extra’ products and treatments. Those fees add up fast, and become much more expensive in the long run.

At Premier Pain Relief we keep it simple. We give you personalized high-quality care and charge only for our time. You get our undivided attention for your entire session. In our experience this method yields the best, the fastest, and most lasting results. Our goal is to get you to the point that you only see us for occasional ‘check-ups’ (we recommend 2-4 a year, like your dentist). Though everyone’s care plan is different, it takes an average of 5-7 sessions over 2-3 months to accomplish this goal.


Do you treat Medicare/Medicaid patients?

Yes. We are a participating provider with Medicare.


Do you accept Worker’s Compensation Insurance?

Yes. We do accept an assignment of benefits for Florida Workers Compensation Claims. Authorization is required by your case manager before we can see you. Once an authorization has been given, and all forms are in order, we are happy to file any and all of the documentation. 

We DO NOT accept out of state Workers Compensation Claims.


Do you accept PIP (Personal Injury Protection) Insurance?

Yes. For the last 25 years, we’ve worked with many Florida residents who have been injured in a motor vehicle accident. We do accept an assignment of benefits for persons injured in a motor vehicle accident who are residents of Florida. We will provide all necessary reports, prescriptions for equipment and co-care when needed, and all documentation for the insurance company on a timely basis. We work closely with the legal community and will accept a "Letter of Protection" LOP upon request and when our office recieves a signed copy from your Attorney. If you want to recover from your accident as soon as possible, we can certainly provide your care.


We accept payment by Cash, Check, Visa, Mastercard, American Express or Discover Card




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Office Hours
Mon 9am 6pm 
Tue 9am 6pm
Wed 9am 6pm
Thu 9am 6pm
Fri 9am 2pm
Sat Closed Closed
Sun Closed Closed
Back Adjustments


Dr. Cullers was courteous and knowledgeable. I had one treatment with him and was very happy with the result. I look forward to working with him. Angel L.

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