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Location: Bourbonnais, IL
Date of graduation: 1984
Years in practice: 30 years
Years of non-insurance dependency: Just transitioning slowly over the past few years.
Listen to Interview
City/State/Province of Practice:
Bourbonnais, IL
Date of graduation from chiropractic school:
1984
Years in practice?
30 years
What percentage of your collections are cash?
70-75%
How many years have you been a non-insurance dependent practice?
Just transitioning slowly over the past few years.
If you converted from insurance dependence to non-insurance dependence (NID), what percentage was insurance before?
At one time over 70% but that was about 8 years ago.
Why type of practice do you have, i.e. family, wellness, sports, etc.?
We have a total family and wellness practice.
Why do you not take insurance?
Chiropractic is based on wellness and insurance is “sick care” based. That is a major contradiction. By not taking insurance, it compels me to give a higher quality of adjustment and education to the patient.
Please share with us your number 1 best practice for being NID?

Taking the focus off of insurance through education and care. I tell patients the truth about they need to get well and don’t think about (or even address) what insurance coverage they have. We have easy payment plans to work with most budgets. We go over all financial arrangements at the ROF.

What advice do you have for chiropractors out there that are insurance dependent?
Insurance coverage for chiro care will continue to decline so there is no future in it. I would begin the process now for congruency and peace of mind.
Briefly, how did you switch over?
By getting out of network with the worst payers and gradually dropping all. We will still bill to their insurance but we are not contracted to do any write-offs if they don’t cover and the patient is responsible.
What were the largest hurdles?
First, my mindset (philosophy) of chiropractic and then to help patients understand the need for chiropractic care and their responsibility for their own health. Now is the time because patients know that co-pays and deductibles are sky rocketing so they have little benefits (if any) regardless.

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