Dr. Jordan Loewenstein is in-network with Meritain Health through the Aetna Choice POS II network. No referral needed. Free benefits verification before your first visit.
Most patients with Meritain Health have never heard of it before their employer enrolled them. Here's what you actually need to know before booking.
This is the most important thing to understand about your Meritain Health card. Meritain Health is a third-party administrator (TPA) — the second-largest in the United States. It doesn't underwrite your insurance. Instead, it administers your employer's self-funded health plan: processing claims, handling customer service, and managing your benefits. The financial risk stays with your employer; Meritain runs the back office.
Meritain Health is a wholly-owned subsidiary of Aetna (CVS Health). Over 90% of Meritain plan sponsors use the Aetna Choice POS II network — giving members access to 1.6 million providers nationwide. In practical terms: if a chiropractor is in-network with Aetna, they're almost certainly in-network for your Meritain Health plan. Dr. Loewenstein is in-network with Aetna Choice POS II, so your coverage works here.
Every Meritain Health plan is slightly different because every employer's plan is different. Here are the two ways to confirm in-network status before your visit.
Go to meritain.com → Tools & Resources → Provider Network Finder. Select Aetna as the provider network, then choose "Aetna Choice POS II (Open Access)." Search by ZIP code 92122 and look for Dr. Loewenstein's name or the practice NPI: 1194563775.
Call the Aetna Provider Line at 1-800-343-3140 (Mon–Fri, 8 AM–9 PM ET). Give them Dr. Loewenstein's NPI number (1194563775) and ask to confirm in-network status under Aetna Choice POS II. Takes about 5 minutes.
Call the office at (858) 558-3111 and give us your Meritain Health member ID. We'll pull your benefits, confirm in-network status, check your remaining visits, and tell you your estimated out-of-pocket cost — before you come in.
Coverage is set by your employer — not Meritain. These are the typical ranges across most Meritain Health plans. Always verify your specific plan before your first visit.
Benefits shown are typical ranges across Meritain Health employer plans — your specific plan may differ. Coverage is determined by your employer's plan document, not by Meritain Health. Always verify with member services at 1-800-925-2272 before your first visit.
Patients who spend 10 minutes doing this before booking never get surprised by a bill. Call Meritain Health member services at 1-800-925-2272 and ask these questions — or let us do it for you.
Ask: "Is Dr. Jordan Loewenstein in-network under Aetna Choice POS II?" — Give them NPI 1194563775 for a definitive answer.
Ask: "What is my deductible, and how much of it have I met this plan year?" — Your out-of-pocket cost per visit depends heavily on this.
Ask: "How many chiropractic visits remain in my plan year?" — Plan years often reset January 1 but not always.
Ask: "What is my in-network coinsurance percentage for chiropractic?" — Some plans have a flat copay instead; confirm which applies to you.
Confirm: No referral is needed if your plan uses Aetna Choice POS II Open Access — but verify this directly so there are no surprises.
Or skip all of this. Call our office at (858) 558-3111 and we'll pull your benefits directly. It's free and takes about 5 minutes.
The cost difference between seeing an in-network and out-of-network chiropractor with Meritain Health is significant. Here's how it typically breaks down.
Seeing an out-of-network chiropractor with Meritain Health means paying a higher deductible first, then paying a higher coinsurance rate — without it counting toward your in-network out-of-pocket maximum. Over a 10-visit treatment course, the difference between in-network and out-of-network costs can add up substantially. Dr. Loewenstein is in-network, so you get the full benefit of your plan.
Meritain Health chiropractic benefits apply to musculoskeletal conditions of the spine, neck, and joints. These are the most common reasons patients come in from La Jolla, UTC, University City, and the UCSD area.
The questions Meritain Health patients ask most before their first chiropractic visit in San Diego — answered plainly.
Yes. Most Meritain Health plans include chiropractic care as a covered benefit under Outpatient Physical Medicine/Chiropractic. Coverage applies after your deductible, and you'll pay in-network coinsurance (typically 15–30%) or a flat copay, depending on your plan. Visit limits and cost-sharing vary by your specific employer's plan document — call member services at 1-800-925-2272 to confirm your exact benefits.
Not exactly — but they're closely related. Meritain Health is a wholly-owned subsidiary of Aetna (which is owned by CVS Health). Meritain is a third-party administrator: it manages your employer's self-funded health plan and processes claims, but doesn't underwrite the insurance itself. The key practical point is that Meritain Health members access providers through the Aetna Choice POS II network — so if a provider is in-network with Aetna, they're in-network for you.
No referral is required for most Meritain Health plans. Meritain uses the Aetna Choice POS II Open Access network, which allows members to self-refer directly to any in-network specialist — including chiropractors — without seeing a primary care physician first. You can call and book directly. Confirm this with your plan by calling 1-800-925-2272, as some employer plans configure things differently.
Most Meritain Health plans cover 20 to 30 chiropractic visits per plan year. Some employer plans cap this at 15 visits, or set a combined limit shared with acupuncture and holistic care. Your specific limit is written into your employer's plan document. Call 1-800-925-2272 to find out exactly how many visits remain in your current plan year.
Routine chiropractic visits typically do not require pre-authorization under most Meritain Health plans. Pre-certification is required for hospital admissions, inpatient stays, elective surgeries, and high-cost procedures — not standard chiropractic adjustments. If you have a complex situation, call Meritain's Medical Management team at 1-800-242-1199 to confirm.
Go to meritain.com → Tools & Resources → Provider Network Finder. Select Aetna as the provider network, then choose "Aetna Choice POS II (Open Access)." Enter ZIP code 92122 (La Jolla/UTC) and search for chiropractors. You can also call the Aetna Provider Line at 1-800-343-3140. Dr. Loewenstein's NPI is 1194563775 — you can provide that number to confirm in-network status in under a minute.
Most Meritain Health plans cover out-of-network chiropractic care, but at significantly higher cost. Out-of-network typically means a separate higher deductible plus roughly coinsurance that varies by plan (you pay 60 cents per dollar after that deductible). Those costs also don't count toward your in-network out-of-pocket maximum. Over a typical treatment course, going out-of-network can cost a copay that varies by plan,000 more than staying in-network.
Call Meritain Health at 1-800-925-2272 and ask: (1) Is Dr. Jordan Loewenstein in-network under Aetna Choice POS II? (2) What is my deductible and has it been met? (3) How many chiropractic visits remain this plan year? (4) What is my in-network coinsurance for chiropractic? — Or call the office at (858) 558-3111 and we'll do this for you at no cost.
Meritain Health uses the Aetna Choice POS II network for the majority of its employer plans — one of the largest provider networks in the country, with over 1.6 million providers. Any chiropractor who participates in Aetna Choice POS II is considered in-network for Meritain Health members. A small number of employer plans may use a different network configuration — call 1-800-925-2272 to confirm which network your specific plan uses.
Yes. Dr. Jordan Loewenstein is in-network with Aetna Choice POS II, which means Meritain Health members can see him as an in-network provider. The office is located in the La Jolla/UTC area of San Diego (5151 Shoreham Place, Suite 175, 92122) — less than 2 miles from UCSD, serving patients from UTC, University City, Sorrento Valley, Torrey Pines, and Mira Mesa. Call (858) 558-3111 to verify your specific plan benefits before your first visit.
Dr. Loewenstein is currently accepting new Meritain Health patients in La Jolla/UTC San Diego. Call or book online — free benefits verification before your first visit.