The healthcare system is broken. But your family’s health doesn’t have to be.
If you’re a parent in Shoreview, Arden Hills, Roseville, Vadnais Heights, White Bear Lake, or anywhere in Ramsey County, you’ve likely felt the frustration: high insurance premiums, massive deductibles, limited provider options, and a system that only seems to care about masking symptoms rather than getting to the root cause of your family’s health challenges.
What if I told you there’s a better way? A way where you control your healthcare dollars, access the providers you actually want to see, and invest in getting well—not staying sick?
Welcome to the world of Health Savings Accounts (HSAs) and health sharing plans, where preventative, root cause care isn’t just possible—it’s the norm.
The Insurance Hamster Wheel: What You’re Really Paying For
Let’s talk real numbers. The average family with traditional insurance pays:
- $1,200-$2,000/month in premiums ($14,400-$24,000 annually)
- $5,000-$8,000 annual deductible (that’s per family, often needing to be met before ANY coverage kicks in)
- $25-$75 copays per visit (that add up fast with multiple family members)
- 20-50% coinsurance after the deductible is met
- Out-of-network penalties that limit your provider choices
- Denied claims for services deemed “not medically necessary”
Before you even see a dime of insurance “benefits,” many families spend $20,000-$30,000 annually. And what are you getting for that investment?
- Rushed 7-minute doctor appointments
- Prescriptions that mask symptoms
- “Come back if it gets worse” advice
- No investigation into WHY your child isn’t sleeping, why you’re exhausted, why behavioral challenges persist
- A reactive, sick-care model that profits when you stay unwell
Meet Allie: The $30,000 Wake-Up Call
Allie came to Transform Chiropractic in Shoreview after years of suffering. She was battling:
- Depression and anxiety
- Panic attacks
- IBS and autoimmune disease
- Chronic headaches and back/neck pain
- PCOS and hormonal chaos
- Insomnia and psoriasis
She had “good insurance.” She saw all the specialists. She did all the tests.
Allie spent $20,000-$30,000 out of pocket on doctors, testing, detox protocols, and supplements before finding nervous system-focused chiropractic care. All of it covered by traditional insurance or paid out of pocket within that system.
The result? Temporary relief at best. Band-aids on bullet wounds. No one was asking WHY her body was in crisis.
When Allie finally discovered root cause, nervous system chiropractic care, everything changed. Today, she’s living in complete remission from ALL of the conditions listed above—no medications, just a healthy, regulated nervous system and a consistent adjustment schedule to stay well.
The investment that actually worked? A fraction of what she’d already spent in the insurance hamster wheel.
The Root Cause Revolution: Why Your Nervous System Matters
Here’s what most families don’t realize: Your nervous system controls everything.
Every function in your body—sleep, digestion, immune response, behavior regulation, emotional resilience, development, hormones, healing—is orchestrated by your nervous system. When your nervous system is stuck in a chronic stress state (what we call “sympathetic dominance” or “fight-or-flight”), your body cannot heal, grow, or function optimally.
This is especially critical for children. Birth trauma, in-utero positioning, developmental challenges, sensory processing issues, autism, behavioral struggles, colic, reflux, torticollis, sleep problems—these aren’t random conditions requiring a lifetime of management. They’re symptoms of a dysregulated nervous system.
At Transform Chiropractic, we don’t treat conditions. We don’t chase symptoms. We restore nervous system function so your body can do what it was designed to do: heal, adapt, and thrive.
How We’re Different: The Technology Behind Root Cause Care
Unlike traditional chiropractic (or traditional medicine), we don’t guess about your nervous system health. We measure it with advanced neurological scanning technology:
1. Heart Rate Variability (HRV) Scanning
HRV measures the balance between your sympathetic (stress) and parasympathetic (rest-and-digest) nervous system. Low HRV indicates chronic stress, poor adaptability, and increased disease risk. We track HRV throughout your care to objectively measure your nervous system’s improving resilience.
2. Thermal Scanning
This non-invasive scan detects temperature differences along your spine, revealing areas where your autonomic nervous system is under stress. These imbalances often correlate with organ dysfunction, immune challenges, and developmental issues in children.
3. Surface Electromyography (sEMG)
sEMG measures muscle tension and nerve function along the spine. It shows us exactly where nerve interference exists and how your muscles are compensating for nervous system dysfunction.
These scans give us objective data—not opinions or guesswork. They show us the root cause of your family’s health challenges and allow us to track real, measurable neurological change throughout your care journey.
This is why families travel from across Ramsey County—from Shoreview to White Bear Lake, Roseville to Arden Hills, and Vadnais Heights to beyond—to access this level of root cause care.
Busting the Biggest Myth: Chiropractic Isn’t a “Treatment”
Let’s clear this up right now: Chiropractic care is not a treatment for disease.
We live in the most stressed generation in human history. Our children are born into a world of:
- Birth interventions and trauma
- Environmental toxins
- Screen time and sedentary lifestyles
- Processed foods and nutrient deficiencies
- Academic and social pressure
- Chronic nervous system activation
Chiropractic care is about optimization and resilience. It’s about removing interference from your nervous system so your body can adapt to stress, regulate properly, and function at its highest level.
You don’t go to the chiropractor because you’re broken. You go because you’re designed for health, and you want to maintain and optimize that design in a stressful world.
Think of it like this:
- You don’t exercise only when you’re out of shape
- You don’t eat well only when you’re sick
- You don’t sleep only when you’re exhausted
Chiropractic care is a lifestyle investment in nervous system health—the foundation of everything else.
The Real Cost of Getting Well: What Families Actually Invest
Here’s the honest breakdown of investing in root cause care at Transform Chiropractic:
Initial Corrective Phase
- Initial consultation and nervous system scans: $200
- Adjustments: $65 each (discounted on care plans from $75)
- Average corrective care investment: ~$6,000 for the initial phase (typically 1 week to 8 months depending on complexity and health goals)
- Family discounts available (increases per additional family member)
Timeframes for results:
- Most families see improvements in sleep, colic, and behavioral regulation within 1 week to 3 months
- Children with autism and severe sensory dysregulation: 4-8 months average
- Teens with depression, anxiety, POTS, and dysautonomia: 2-10 months for significant neurological change
Wellness Care Phase
- Monthly investment: $400-$700 for ongoing family wellness care
- Adjustments: $45-$65 depending on number of active family members
- Frequency: Biweekly to 2x/week based on YOUR nervous system needs in this season of life
What’s Included
- Ongoing access to our entire doctor team
- Complimentary progress exams
- Adaptive care recommendations as you and your children change
- No one-size-fits-all protocols
- A true partnership in your family’s health journey
Compare this to Allie’s $20,000-$30,000 spent in the insurance system with zero lasting results.
Compare this to the average family spending $20,000+ annually on insurance premiums and deductibles before getting any “benefits”—benefits that only cover reactive, symptom-based care.
We’re not more expensive. We’re actually the most cost-effective investment in your family’s long-term health.
HSA & Health Sharing: Your Ticket to Healthcare Freedom
Here’s the game-changer: You can use HSA and FSA funds for chiropractic care. That means tax-free or pre-tax dollars invested in root cause health.
And health sharing plans—the alternative to traditional insurance that’s exploding in popularity—often cover or reimburse holistic and alternative care that insurance companies deny.
Health Sharing Plans Our Families Love:
- Christian Healthcare Ministries
- Solidarity HealthShare
- Samaritan Ministries
- Crowd Health
- Zion Health
- Liberty HealthShare
- Medi-Share
- Impact Health Sharing
- OneShare Health
These aren’t insurance companies. They’re communities of individuals who share healthcare costs, often at a fraction of traditional insurance premiums, with more freedom to choose your providers and invest in preventative, root cause care. Some of the plans even cover home birth, perinatal chiropractic care, and so much more!
How to Transition to an HSA/Health Share Plan (Step-by-Step)
Ready to take control of your healthcare dollars? Here’s how to make the switch:
Step 1: Evaluate Your Current Spending
Calculate what you’re REALLY spending annually:
- Premiums + deductibles + copays + uncovered services + out-of-network penalties
- Be honest: How much are you spending on care that isn’t moving the needle?
Step 2: Research HSA-Qualified High-Deductible Health Plans (HDHPs)
- These plans have lower monthly premiums
- You contribute pre-tax dollars to your HSA (2025 limits: $4,300 individual / $8,550 family)
- HSA funds roll over year to year (unlike FSAs) and can be invested for growth
- Use HSA funds tax-free for qualified medical expenses—including chiropractic care
Step 3: Explore Health Sharing Plans
- Compare monthly share amounts (often $200-$500/month for families vs. $1,500-$2,000 insurance premiums)
- Check if your preferred providers (like Transform Chiropractic) are supported
- Review what’s shareable vs. non-shareable
- Many plans have NO network restrictions—see ANY provider you want
Step 4: Time Your Transition
- Switch during open enrollment (typically November-December for January 1 start)
- Or during a qualifying life event (marriage, birth, job change)
- Keep current insurance until new coverage begins
Step 5: Max Out Your HSA Contributions
- Contribute the maximum allowed each year
- Use it for root cause care that actually gets your family well
- Invest unused funds for long-term healthcare savings (HSAs are one of the best retirement vehicles available)
Step 6: Build Relationships with Cash-Pay, Root Cause Providers
- Find your chiropractor (hello, Transform Chiropractic!)
- Connect with functional medicine doctors, naturopaths, health coaches
- Invest in practitioners who spend TIME with you and investigate root causes
Step 7: Track Your Health ROI
- Monitor symptoms improving
- Watch medications decrease or eliminate
- Notice fewer sick days, better sleep, improved behavior, enhanced resilience
- Calculate what you’re NOT spending on emergency visits, urgent care, and reactive treatments
The families who make this transition don’t look back. They have more money, better health, and actual control over their family’s wellness journey.
What We Hear: “But I Need to Use My Insurance!”
We get it. You’ve been conditioned to believe that if you’re not “using your insurance,” you’re wasting money.
But here’s the truth: You’re already paying out of pocket.
You’re paying:
- Thousands in premiums every month whether you use it or not
- Thousands in deductibles before coverage starts
- Copays and coinsurance for every visit
- Out-of-network fees when you want to see a good provider
- The hidden cost of staying sick because your insurance only covers reactive care
The question isn’t “Can I afford cash-pay care?” The question is “Can I afford NOT to invest in root cause care?”
How much is it costing your family to stay sick? How much are you spending on:
- Sleepless nights with a colicky baby?
- Medications that create new side effects?
- Behavioral therapies that don’t address the nervous system?
- Missing work because your child is sick again?
- Your own declining health and energy?
- The emotional toll of watching your child struggle?
The Bottom Line: Pay for What Actually Works
Here’s what’s possible when you step outside the insurance hamster wheel:
✅ Access to the best providers—not just the ones “in network”
✅ Longer appointments where doctors actually listen
✅ Root cause investigation instead of symptom management
✅ Preventative care that keeps you well instead of waiting until you’re sick
✅ Objective measurements (like our nervous system scans) that track real progress
✅ Lower overall healthcare spending when you invest wisely upfront
✅ A health-focused partnership instead of a transactional sick-care system
We pay for what we prioritize. And if health and wellness aren’t worth prioritizing, what is?
It’s absolutely possible to be financially wise while learning to invest in what actually matters. The key is to stop overspending on what isn’t moving the needle and redirect those dollars to root cause care that transforms your family’s health trajectory.
Your Family Deserves Better: Next Steps
If you’re a family in Shoreview, Roseville, Arden Hills, White Bear Lake, Vadnais Heights, or anywhere in Ramsey County (or beyond) who’s tired of the insurance hamster wheel…
If you’re ready to invest in your child’s optimal neurological development…
If you’re done with band-aid solutions and ready for root cause answers…
If you want to know EXACTLY what’s happening in your family’s nervous systems with objective scanning technology…
Transform Chiropractic is here for you.
We accept HSA and FSA cards. We work beautifully with health sharing plans. We offer family discounts and care plans designed around YOUR needs and goals—not insurance company limitations.
Most importantly, we’re committed to getting your family well and keeping you well through every season of life.
Ready to Learn More?
📍 Transform Chiropractic
Shoreview, Minnesota | Serving Ramsey County & Beyond
Schedule your initial consultation today. Let’s run your nervous system scans, dive deep into your health history, and create a customized care plan that actually addresses the root cause of your family’s challenges. Call 651-252-1912 or request an initial consultation online with one of our experienced doctors.
Because your family’s health is the best investment you’ll ever make.
Final Thoughts: The Healthcare Paradigm Shift
The families who are thriving aren’t the ones with the “best insurance.” They’re the ones who took control of their healthcare dollars and invested in providers who see them as whole people—not billing codes.
They’re the families who understand that a well-regulated nervous system is the foundation of:
- Restful sleep and happy babies
- Focused, well-behaved children
- Healthy pregnancies and empowered births
- Mental and emotional resilience in teens
- Vibrant energy and longevity in adults
- Fewer medications, fewer sick days, fewer crises
They’re the families who stopped asking “Does insurance cover this?” and started asking “Will this actually get us well?”
Join the root cause revolution. Your family’s best health is waiting.
Transform Chiropractic is a nervous system-focused, root cause chiropractic practice specializing in pediatrics, perinatal care, and full-family wellness in Shoreview, Minnesota. Serving families throughout Ramsey County including Arden Hills, Roseville, Vadnais Heights, White Bear Lake, and surrounding communities. We accept HSA/FSA and our patients frequently utilize the various health shares listed above.