Converting to Cash Download


Rest assured there is life after taking insurance assignment.

In fact, the air is sweeter, the birds more melodious, and the sunrises more glorious.

While you may try to appease insurance carriers and delight patients, you simply can’t serve two masters.

Keep in mind, the freedom afforded converting to a cash practice comes from a simple administrative change. Instead of you filing their insurance claim, the patient will.

So, why the fear?

You can see reimbursement is declining. Post-review audits increasing. As are claim denials due to a lack of “medical necessity.”

By accepting assignment, you’re working for their carrier, not the patient.

Worse, carriers don’t like you, trust you, or even understand what you do!

Patients are unaware of your hoop jumping, burdensome documentation, or the delays in getting paid the reduced amounts.

A cash practice doesn't mean you can't see patients with insurance. Or that you must "sell" annual care plans. Or lower your fees. Or see 500 patients a day.

Converting to Cash will upgrade your headspace. Naturally, you’ll still need to deal with Medicare, but that’s a minor irritation.

Let me help you show you the way.

You can do this.

The 74-minute mini-seminar available immediately as a digital download.

Includes editable financial policy templates, telephone scripting, and Don't Shoot the Messenger, a patient video explaining  the dangers of relying on the profit motives of their insurance carrier. (Read the video script below.)

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Converting to Cash
Instant Digital Download
One-hour audio seminar, resources and 5-minute patient video

Would a one-hour private consultation on this or some other topic be helpful?


Transcript of the Don't Shoot the Messenger Patient Video

Hi, my name is Bill Esteb. And like you, I'm a chiropractic patient. I've been asked to explain some of the financial realities of your chiropractic care.

Used to be, you'd visit a doctor, wave your insurance card, sign a few forms and the bill was pretty much taken care of. But times have changed. The coverage offered by traditional insurance is shrinking. HMOs and PPOs are cutting benefits. Even government-based programs are affected.

Simply put, if we really value our health, we can no longer rely on some third party to pick up the tab. We have to decide: How much do we value our health? How will we prioritize the expense of recovering our health with the other demands on our time and money? And, are we willing to pay some, or all, of what it will take to get well, and more importantly, to stay well?

Realize that what our culture calls health care is actually "sick" care, since it has little to do with advancing true health. It's mostly about suppressing symptoms while ignoring the underlying cause.

Now, if you have a policy it will probably help with at least some of the expense of your sick care. But few policies pay for things that help us keep our health.

For example: Many policies will pay for expensive back surgeries, but won't pay for a program of ongoing chiropractic care that costs less, and could actually help prevent back surgeries!

And that's just the start. Some policies will help you with your chiropractic care when you have an ache or pain, but stop benefits before muscles and ligaments supporting your spine can fully heal, making you susceptible to a relapse.

Consider this. Many of us who value our health, drink bottled water. We believe it's healthier for us. Is bottled water covered under our insurance policy? Of course not.

And, every day, I take vitamins and some other nutritional supplements. Millions of us do. We believe it will help maintain our health. Now, do HMOs and insurance companies pay for vitamins? No.

It's clear that insurance companies don't "get" the value of vitamins, bottled water, exercise equipment, health club memberships, chiropractic care and countless other strategies that more and more of us use to enhance our health and vitality.

Until they do, we have a decision to make: will we count on the limited vision and profit motives of an insurance carrier? Or, do we value our health and vitality enough to pay for the care that we need to recover and support our health?

Naturally, if you have a policy with chiropractic benefits, this office will supply you with the paperwork you'll need to get reimbursed. In fact, when you file the paperwork, you're more likely to get all the benefits to which you're entitled. Just realize your policy won't pay for all the care you're likely to need.

And besides better coverage, you'll probably get better care, enjoy faster results and receive more attention. After all, you'll be the boss, not some stingy insurance company. And with human nature being what it is, by paying for your own care, you'll be seen as a more responsible, desirable patient.

That's why this office has chosen to no longer play the insurance "game."

Because our so-called health care system is no longer about health. It's big business: raking in record profits with higher premiums, but with less coverage. To avoid becoming a statistic, caught in the middle, you and I have to decide: what is our health worth?

This is a deeply personal decision. Only I can make it for me, and you for you. It causes us to rethink how we spend out time and money. It becomes a reflection of our self-esteem. And shapes the kind of future; the kind of life we'll have.

When you think about it, our health is our most valuable possession: it affects everything we do and everyone we know.
Whatever your decision, please don't shoot the messenger! I know that this office will work with you to help you achieve your health goals—whether it's temporary relief or a program of long-term wellness care to support and optimize your health. Either way, congratulations and welcome!