This original article was featured in the October 2025 issue of The American Chiropractor

The journey to optimal health often involves consistent and long-term care, a principle well-understood in the world of chiropractic. However, a common hurdle for both practitioners and patients alike is the inherent limitation of insurance coverage. What happens when the benefits are exhausted, and a patient transitions from a manageable co-pay to the full fee for service? This abrupt financial shift can derail progress and lead to premature dropout of care. This article will explore strategies for chiropractors to navigate this challenge, ensuring compliant and patient-centric approaches that foster continued wellness without compromising practice integrity.

The Insurance Conundrum: A Shared Challenge

For many patients, the decision to seek chiropractic care is heavily influenced by their insurance benefits. Initial visits, diagnostic imaging, and a certain number of adjustments may be largely covered, creating an accessible entry point for treatment. However, chiropractic care, particularly for chronic conditions or wellness and maintenance, often extends beyond the typical acute phase covered by insurance. When benefits run out, patients suddenly face the full financial responsibility, and a significant jump in out-of-pocket costs can be a powerful disincentive to continue care.

From the chiropractor’s perspective, this presents a dilemma. The goal is to provide the best possible care for the patient’s long-term health, which often requires ongoing treatment. Yet, charging the full fee immediately after insurance exhaustion can feel like a barrier, potentially leading to patient drop-out. The temptation to offer steep discounts for continued care may arise, but this path is likely to incur compliance risks, particularly concerning the Office of Inspector General (OIG) guidelines, which generally recommend discounts of no more than 15% to avoid implications of inducement or dual fee schedules.

How can practices ensure continuity of care while remaining both ethical and financially viable? The answer lies in proactive communication, transparent financial planning, and the strategic implementation of compliant care plans.

The Common, Yet Challenging, Approach: Insurance-First with a Discounted Transition

Many chiropractic practices adopt an approach that first utilizes a patient’s insurance benefits to the fullest extent possible. Once the insurance coverage is exhausted, they then transition the patient to a self-pay care plan, often offering a discount on their regular fees for continued care. While seemingly logical, this method, even with a compliant discount, often presents a significant challenge to patient retention.

The core issue lies in the sudden shift in financial responsibility. A patient accustomed to a small co-pay, perhaps $20-$50 per visit, may find even a discounted full fee (e.g., $60-$85 per visit after a discount from an original $100 fee) to be a substantial increase in their out-of-pocket expense. This jump, even if justified by the value of continued care, can feel prohibitive and lead to patients discontinuing treatment prematurely. They are still making a conscious financial decision with each subsequent visit, often prioritizing other expenses over their ongoing chiropractic care. This approach, although widely practiced, usually struggles to maintain long-term patient compliance, ultimately hindering both the patient’s wellness journey and the practice’s stability. This creates a practice that is also highly dependent on insurance reimbursement, fostering a culture where the insurance company dictates patients’ treatment plans. 

Before setting care plan pricing and discount structures, it is strongly recommended that you consult with your chiropractic state licensing board and legal counsel. This will ensure full compliance with all applicable regulations and guidelines, given the complexities and potential legal ramifications associated with discounting healthcare services.

The Recommended Approach: A Professional, Compliant, and Integrated Care Plan

To effectively implement this strategy, your practice should establish a professional, compliant care plan from the start. This plan should seamlessly integrate insurance-covered care, non-covered services, and wellness or maintenance care. This upfront clarity addresses financial decision-making barriers, ensuring continuity of care without sudden shifts in patient responsibility. It also prevents patients from feeling pressured, as they understand the full scope of their recommended treatment and the comprehensive program designed to help them achieve their desired results.

This method begins with a comprehensive initial assessment that not only identifies the patient’s acute needs, which are typically covered by insurance, but also their long-term health and wellness goals. This enables the chiropractor to create a comprehensive care plan that encompasses the patient’s entire health picture, rather than just their immediate symptoms.

The core of this recommended approach lies in a transparent, two-tiered care plan structure. The care plan document itself should clearly delineate two distinct categories of services. Firstly, there are the insurance-covered services. These are the treatments necessary to address the patient’s primary complaint or acute condition, for which their insurance benefits will be utilized. Crucially, no discount should be applied to these services. The patient remains responsible for their standard co-pays, deductibles, and co-insurance as dictated by their specific insurance policy.

Secondly, the plan incorporates non-covered services and some wellness or maintenance services. These aspects of care contribute to overall health, prevention, and long-term well-being, but are typically not reimbursed by insurance. This might include specific therapies, preventative screenings, nutritional counseling, or personalized exercise programs. It is within this category of non-covered care that compliant discounts can be appropriately applied. This clear distinction ensures compliance while still offering a benefit for committed patients.

A critical element of this integrated approach is the Good Faith Estimate (GFE) integration and the provision of affordable payment options. The care plan document itself must inherently function as a comprehensive Good Faith Estimate for the anticipated cost of all services, both insurance-covered (patient’s out-of-pocket portion) and non-covered. It must itemize all expected services, their individual costs, and the total estimated price for the duration of the plan. This estimate should be provided in a clear and accessible format, outlining the duration of the plan (e.g., 4 months, 6 months) and the anticipated frequency of visits.

A complete Terms of Agreement section within the care plan is absolutely vital for transparency and compliance. This document serves as a clear contract between the patient and the practice, outlining all aspects of the integrated care. It should explicitly state the distinction between insurance-covered and non-covered care and precisely how any discounts apply. It must reinforce the patient’s continuing responsibility for their insurance co-pays, deductibles, and co-insurance for the covered portions of their care. The agreement should also clearly detail what happens if the patient experiences a new injury while on the care plan, clarifying whether it will be treated under the existing plan or if it will initiate a new insurance claim and separate billing. Policies regarding early termination of the care plan should also be clearly outlined, specifying any prorated payments for services rendered or remaining financial obligations. Finally, it should serve as a clear acknowledgement that the care plan is not a substitute for health insurance coverage and does not function as an insurance policy itself. 

The true innovation of this recommended approach lies in the affordable payment options, particularly the implementation of recurring monthly payments. This offers a powerful solution, lifting the financial burden from patients once their insurance benefits run out. Instead of the stress of fluctuating per-visit fees, they can choose a predictable monthly installment that covers all their care, easily fitting into their household budget. This monthly payment can encompass the patient’s estimated co-pays or deductibles for insurance-covered visits, plus the discounted rate for the non-covered wellness visits. By bundling the cost into manageable, predictable payments, patients are less likely to discontinue care due to perceived high costs per visit. It shifts their perspective from a transactional “pay-per-visit” model to an investment in their ongoing health, providing both continuity for the patient and financial stability for the practice. Patients understand that all their care is accounted for within this regular payment, removing the need to make a new financial decision at each appointment. For chiropractors seeking robust tools for this, CashPractice.com is a great resource for care plan creation and management.

Compliant Discounts: The Role of Discount Medical Plan Organizations (DMPOs)

While adhering to the OIG’s 15% discount guideline for direct-to-patient discounts is crucial, some practices may wish to offer more substantial reductions, especially for extensive, long-term wellness programs. In such instances, seeking the advice and affiliation of a Discount Medical Plan Organization (DMPO) is highly recommended to maintain compliance and avoid regulatory pitfalls.

DMPOs, like ChiroHealthUSA, are legally recognized entities that contract with healthcare providers to offer pre-negotiated, discounted rates to their members. By partnering with a legitimate and compliant DMPO, chiropractors can offer greater discounts to patients who enroll in the DMPO’s program. In this scenario, the discount is not a direct offering from the practice to the patient but rather a benefit provided through the DMPO’s established framework. This allows practices to provide more affordable care while safeguarding against potential legal implications related to inducements or allegations of dual fee schedules. It is imperative to perform due diligence and ensure that any chosen DMPO is reputable, compliant with all state and federal regulations, and aligns with the practice’s ethical standards.

It’s the best of both worlds! It allows offices to maximize insurance reimbursement, while keeping care affordable for noncovered services. 

Cultivating a Patient-Centric Culture: Beyond the Insurance Mandate

A successful chiropractic practice prioritizes patient health goals over insurance limitations, especially given high deductibles and minimal coverage. Think of car insurance: it covers crashes, not routine maintenance like oil changes or tire rotations that ensure your car’s long-term health. Similarly, health insurance covers acute issues, but often falls short on consistent, proactive care for well-being. Many chiropractic services, vital for prevention and long-term health, are like these “maintenance” items for your body—they’re essential but often not fully covered.

A practice with this philosophy empowers patients to invest in their health. This means transparently communicating that while insurance may help with immediate concerns, ongoing preventive and wellness care will likely be a direct investment. It’s about educating patients on the long-term value of consistent chiropractic care as an investment in their quality of life, not just a reaction to pain.

This culture shift involves:

• Emphasizing Health, Not Just Symptoms: Framing care as a path to lifelong vitality, moving beyond insurance’s symptom-focused model.
• Transparent Communication from Day One: Openly discussing insurance limits and the importance of self-investment in wellness.
• Value-Based Presentation: Showing how proactive care saves money and improves life quality in the long run.
• Empowering Patient Choice: Offering clear care plans with flexible payment options that align with patient goals, not just insurance restrictions.

By fostering this patient-centric, health-first culture, chiropractic practices move beyond insurance constraints. They create an environment where patients understand that their health is their most valuable asset, deserving of consistent investment, much like car maintenance. This benefits both the patient and the practice.

Key Considerations for Success

Implementing these strategies effectively requires more than just well-designed forms. Education is paramount for both patients and staff. Patients must be educated on the profound “why” behind consistent chiropractic care, understanding the benefits of proactive wellness, preventative measures, and the long-term positive impact on their overall health. This shifts their perspective from simply alleviating pain to investing in sustained well-being.

Furthermore, staff training is critical. Your administrative and clinical team must be intimately familiar with explaining care plans, detailing payment options, and articulating the compliance guidelines. Consistency in messaging across all touchpoints within the practice is non-negotiable to build patient trust and ensure clarity. Meticulous documentation of all care plans, payment agreements, and patient acknowledgments is also essential for regulatory compliance and to resolve any potential disputes. Finally, practices should regularly review and adapt their care plans and payment options. Gathering patient feedback is invaluable for identifying areas for improvement, and staying abreast of evolving patient needs and regulatory landscapes will ensure the longevity and success of these proactive strategies.

Navigating the intersection of insurance limitations and the imperative for continued chiropractic care demands a strategic, compliant, and deeply patient-centric approach. By embracing transparent communication from the outset, structuring professional care plans that seamlessly integrate Good Faith Estimates and affordable, recurring payment options, and understanding the role of compliant discounting, chiropractors can empower their patients to prioritize their long-term health. The recommended approach of an integrated care plan, which bundles both insurance-covered and non-covered services into predictable monthly payments, removes significant financial barriers. It ensures that patients are not making a new financial decision at each visit, thereby fostering consistent adherence to their treatment protocols. This strategic shift allows practices to deliver uninterrupted, high-quality chiropractic care that truly supports patients on their journey to optimal well-being, long after their traditional insurance benefits are exhausted.