Belltown Spine & Wellness to Move to a New Brand!

We are excited to announce that starting August 2, Belltown Spine & Wellness will be transitioning to Chiro One Wellness Centers.

While the name and look of our clinic will change, patients will experience the same great care, clinic staff, and insurance acceptance. We look forward to continuing to serve the Seattle community with excellent care!


  2609 5th Ave     |       (206) 441-7984    |      MON-WED: 10am - 1pm & 3pm -7pm | THURS: 1pm - 7pm | FRI: Closed


Belltown Spine & Wellness has helped thousands of people over the past 25 years regain their health and vitality in Seattle.

Seattle Chiropractor - Belltown Spine & Wellness


Belltown Spine & Wellness Services

Belltown Spine & Wellness is an integrated health and wellness center that has helped thousands of people regain their health and vitality in the greater Seattle area. Services are customized and targeted for each individual's health goals.  Dr. Scott Mindel, Seattle chiropractor and owner of Belltown Spine & Wellness, created the signature 4-step program that is specifically designed to help patients recover from chronic neck and back pain conditions along with using the latest rehabilitation techniques available today.

Corrective Chiropractic Care

Belltown Spine & Wellness practices the state-of-the-art Corrective Biophysics Technique using Mirror Image exercise, adjusting and postural traction to correct the spine, and posture deviations back towards normal alignment and balance. Founder, Dr. Scott Mindel's 4-step Method has helped his patients restore overall health for over two decades in Seattle.

Massage Therapy

Belltown Spine & Wellness offers different types of massage to best suit individual client needs and preferences, including deep tissue, Swedish, and Manual Ligament Therapy, sports massage, lymphatic drainage, Healing Touch, trigger point therapy, reflexology, craniosacral, intra-oral, and pre-natal massage.

Naturopathic Medicine & Acupuncture

Holistic medicine is a form of healing that considers the body, mind, spirit, and emotions in the quest for optimal health and wellness do one can achieve optimal health by gaining proper balance in life. Naturopathic medicine, acupuncture and chiropractors target the root cause of an issue as opposed to simply reducing or managing symptoms.

Our Seattle Chiropractors & Doctor

Dr. Scott Mindel

Dr. Scott Mindel

Doctor of Chiropractic
Dr. Gion Monn


Doctor of Chiropractic
Dr. Julie Sutton

Dr. Julie Sutton

Naturopathic Doctor / Licensed Acupuncturist

Coverage Counts

In order to ensure that your potential new insurance policy will actually provide the coverage you need, it’s important to understand the specifics of the policy. A variety of

limits and provisions may exist with any new policy—variations that may limit your coverage in ways you might not expect. By not knowing what kinds of limits or restrictions there may be, you leave yourself vulnerable to a lawsuit, despite the efforts you made to secure coverage and limit your risks.

Along with understanding individual and shared limits, for example, it’s also important you educate yourself about occurrence versus claims-made policies. For providers who cover health and wellness professionals, this aspect of coverage is critical to understand. If you aren’t aware of the differences, you could be on your way to a disaster should a lawsuit get filed against you at the “wrong” time.  

The Occurrence Policy

As the name may suggest, if you have an occurrence form policy and an incident—or an occurrence—takes place, as long as your policy is active at the time of the incident, you’ll have coverage. It won’t matter if the claim itself is filed sometime after the incident takes place. With occurrence policies, the key factor is not when a lawsuit is filed, but rather whether or not your insurance policy was active when the incident in question occurred.

Here’s an example: You have an occurrence form policy that expired on June 30, and you didn’t renew with your provider. Unexpectedly, a client reported shoulder pain and bruising from a massage therapy session you gave on May 30, when you were still covered by your occurrence policy. For whatever reason, the client
decides to wait until July 30 to file a claim against you for injuries. You call your insurance provider to report this new claim and learn that you are, in fact, covered—even though your policy expired the previous month!

The Trouble with a Claims-Made Policy

When you have a claims-madepolicy, the policy must be active at the time the claim is filed in order for the insurance provider to cover you. With this type of policy, you run the risk of being completely unprotected by your insurance when a claim is filed against you after your claims-made policy expired. Unlike the occurrence policy, you will not be covered by a claims-made policy even if the incident in question took place while the policy was active. The timing of the lawsuit matters for claims-made policies, not the date of the incident in question.   

Here’s an example: You have a claims-made policy and your coverage expired on June 30. A client files a lawsuit for injuries she incurr
ed during a May 30 acupressure session, during which time you were insured with your claims-made policy. Your client doesn’t file the claim until July 30, a full month after your claims-made policy expired. You call your insurance provider to report the claim, only to find out that you have no coverage available, since the claim was filed after the expiration date of your claims-made policy. 

The Claims-Made Policy with Tail Coverage

To avoid the main pitfall of a claims-made policy, you may also look into what is known as tail coverage. Also known as extended reporting period (ERP) coverage, tail coverage literally extends the reporting period for a claims-made policy — allowing the insured member to receive coverage for claims that are filed after their claims-made policy expires. Those who select clai
ms-made policies may opt for additional tail coverage, which may protect them if a lawsuit is filed after the date the claims-made policy ends, much like an occurrence policy would.

Here’s an example: You have a claims-made policy that expired on June 30, but you wisely decided to add tail coverage to your policy. A client files a claim on July 30, claiming injury during a session with you dated May 30. You call your insurance provider to
report the claim and learn that you’re still covered—even though you reported the claim after your claims-made policy expired!

MMIP Quick Tip: Occurrence policies are concerned with when the incident occurs. Claims-made
policies are concerned with when the claim is filed. Be sure that you know what kind of policy you’re getting when you enroll with an insurance provider. When you go through all the work of getting insured, you want to make sure your insurance will work for you. 

To learn more about occurrence, claims-made or tail coverage, CALL (800) 222-1110 or visit our Massage Liability Insurance Resource Center