Kenneth J. Klak D.O.



Your first visit will include the following:

    1.  Completion of demographic, insurance, and medical forms
    2.  Medical and physical history
    3.  Review of current medications, past illnesses and surgeries
    4.  Family medical history
    5.  Social habits
    6.  Review of previous medical records

(Forms can be found in the Resources section of our website.  Feel free to download and complete these forms and bring them with you to your visit.)


Payment for services rendered is expected at the time of service. For your convenience, we accept cash, checks, MasterCard, Visa, and Discover. We do use Medicare reimbursement rates as the basis for your fee for service.

If you are a Medicare patient, our office will submit a claim directly to Medicare on your behalf. You will be responsible for the 20% co-pay at the time of service.

For all other payers, we will provide you with a charge slip to submit your claim to your insurance carrier. It is understood that the insurance policy you may have is a contract between you and your insurance carrier and that Dr. Klak has elected not to be a “middleman” in your contract.

Note: Our policy is not to accept any checks marked “Paid in Full.”

Frequently Asked Questions about Insurance

Why don’t you accept my insurance??

It has been a very arduous decision, and was made with much trepidation, to limit the insurance plans that we accept.  In making this decision, we acknowledge and regret that we will not be able to see some people that we would really want to see and help.

However, when insurance companies decided the first of this year to tell the physician when and how to treat a patient, I felt there was no choice!  On top of that, the reality is that most small osteopathic physician’s offices cannot even cover their own costs!  The reason this is happening is because so many insurance companies pay less for osteopathic services than it costs to provide the service.  (This cost factor includes office space rental, utilities, medical equipment, supplies, staff, billing companies, not to mention continuous education.)  Many insurance companies make it next to impossible to collect fees by using complex forms that are refused if not exactly filled out and sent within a certain time period, by delaying payments (in some cases even for years), and by denying payment after treatment has been rendered because the insurance company determines it to be “not a proven therapy”, or many other little tricks they employ. 

Can you imagine what would happen if you took your broken car into a garage and asked the technician to fix your car but said:   “I’ll pay you 80% of the cost of your parts and half your hourly labor rate.  I’ll be sure to get the check to you in the next two years, but only if you submit the correct form, filled out exactly, with the correct code on it.  If after I leave, I determine it was not a “real” car problem, I won’t pay you at all.” 

 Most likely you would still be walking or taking a bus!!!

We made this difficult decision not to work with insurance so that it would not take valuable time and energy away from our mission, which is to give excellent osteopathic manipulative treatment to each and every patient that we see.  By basing our fees on the most basic medicare standards, we are attempting to keep costs down for you, the patient, yet financially survive ourselves.

Web Hosting