Payment Options

Dr. Joseph Refkin believes in the value of wellness care for you and your family and have maintained a pricing structure that allows care for all budgets. Our office participates in most insurance programs. We also accept auto accident and workers compensation cases. For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. To learn more about our payment options for chiropractic and wellness care, you can call our office directly.


Most insurance plans are accepted at our office. We accept auto accident, personal injury and most health insurance plans, including Medicare. Since there are so many plans and coverage varies widely, please call us to find out if your plan covers care in our office. Our staff will verify and explain your benefits before treatment, at no charge. We will also refer you to the appropriate specialist when necessary. 

No Insurance

For patients who have little or no chiropractic insurance coverage, flexible payment programs can be arranged. If you have no insurance or do not have chiropractic benefits there is still a way for you to receive the care you need. Many patients pay directly for care, as they discover chiropractic to be extremely cost-effective and affordable. 

Reduced Service Program

 The trend right now in health care insurance is towards very high deductibles in the $5000 to $6000 per year range. Many people need treatment to address new strains and sprains or the long term degenerative effects of vertebral restriction/fixation as a result of previous injuries that have not yet been treated properly.

We are offering a reduced service program that will be designed for your specific problem. The usual fees for these limited services won't be much more than most co-pays of previous years.

We offer a free consultation to discuss your problem areas and recommend a course of treatment that will be affordable and get results. Fees for effective but limited treatment will be discussed after the brief, complimentary evaluation. The worse thing to do is to do nothing at all. This usually allows a degenerative process to develop only to become more severe, more life changing and more expensive to treat.

Please call the office at (219) 769-2222 to schedule your free consultation.


We look forward to hearing from you


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Office Hours

Our Regular Schedule

Merrillville Office


12:30 pm-5:30 pm


By appointment only


12:30 pm-5:30 pm


By appointment only


12:30 pm-5:30 pm


By appointment only



Serving Merrillville, Gary, Hobart and Crown Point for over 28 years.