Insurance & Fees
What we accept, what care costs, and how billing works after a car accident. No surprises.
305 My Chiro accepts most major health insurance plans and Florida auto-accident (PIP) insurance, and bills your insurer directly. New patients can start at $45. A returning-patient adjustment is $90. No referral is needed to book.
Reviewed by Dr. Paul Malavenda, DC · Life University, 1987 · 39 years in Miami · Last reviewed October 27, 2026
Health insurance we accept
We accept most major health plans and bill your insurer directly, including:
- Aetna
- UnitedHealthcare
- BlueCross BlueShield
- Cigna
- AvMed
- Medicare
This is not a complete list. If your plan is not shown, call (305) 443-1103 with your card and we will verify your benefits before your first visit. Coverage is always subject to verification by your insurer.
Auto accident and Florida PIP
If you were hurt in a car crash, your own auto policy's Personal Injury Protection (PIP) coverage may pay for chiropractic care, regardless of who caused the crash. We bill your auto insurer directly and verify what your policy covers before care begins.
Florida law generally requires you to receive your first treatment within 14 days of the accident. Miss that window and PIP medical benefits can be denied entirely, even if your pain appears later. If you were in a crash, read how Florida's 14-day PIP rule works or go straight to injured in an accident.
We work with PIP claims under all major Florida auto carriers, including State Farm, GEICO, Progressive, Allstate, and USAA.
What care costs without insurance
Many patients pay directly. These are our standard self-pay prices:
| Service | Price | Notes |
|---|---|---|
| New patient — 1 visit | $45 | Exam, 2 x-rays, and 1 chiropractic adjustment. New patients only. Use within 1 month of purchase. |
| New patient — 2 visits | $150 | Exam, consultation, up to 6 x-rays, report of findings, and 2 adjustments. 3 months to use. |
| New patient — 10 visits | $350 | Exam, consultation, up to 6 x-rays, report of findings, and 10 adjustments. 3 months to use. |
| Returning-patient adjustment | $90 | Single visit. |
| New-patient or auto-accident evaluation | $450 | Full evaluation on its own, without a package. |
Current package offers are on the specials page. X-rays are taken only when Dr. Malavenda determines they are medically necessary for your care.
Common questions about paying
Do I need a referral?
No. Florida patients can see a chiropractic physician directly, with no referral from a medical doctor.
Will you tell me the cost before you treat me?
Yes. We verify your benefits before your visit where possible, and we explain what your care will cost before it begins.
What if I have both health insurance and a car accident claim?
After a Florida auto accident, PIP is generally the primary payer for related injury care. Bring both cards and we will sort out the order of billing for you.
What forms of payment do you take?
Cash, credit card, health insurance, and Florida PIP auto insurance.
Book an appointment or call (305) 443-1103 to have your benefits checked first. Se habla español.
Insurance coverage and benefit levels are determined by your insurer and are subject to verification. Prices shown are self-pay prices and may change. This page is general information, not a quote or a guarantee of coverage.