Why I don’t play the insurance game

Insurance is great for many things.

It is supposed to protect us from a catastrophic loss.

Something that might be so horrendous that it would devastate us physically or financially.

How does insurance apply to our health?  Does insurance cover health or does it cover disease?

The field of  medicine seems to work best by offering to repair the damage (or at least to deal with the damage).  Most likely, insurance will cover some of the cost for an appendectomy or some other surgery.  Perhaps insurance will even pay for high blood pressure or high cholesterol medication or treatments.  It also is likely to consider payment for therapy for an injury.

Chiropractic, on the other hand (pun intended), works best by offering to assist in the optimal functioning of the body by removing disturbances to the body’s innate intelligence.  Rather than waiting for the damage to appear, a chiropractor should be able to ascertain whether obstacles (vertebral subluxations) to our body’s innate ability to adapt to our ever-changing environment  is present. The chiropractor realizes that maximum life cannot be achieved when there are subluxations.

I recall a number of years ago, my cousin had just moved into a new house.  On a hill about 15 feet from the house was a diseased, but mostly dead, 50 foot tall tree.  It was obvious that when the tree fell, it would fall on the house.  At a minimum, it would do damage to the house, possibly injuring or even killing someone.  He contacted a number of tree experts who recommended that the tree be removed.  The cost was about $1000.  He contacted his homeowners insurance and asked for assistance.  Basically, they informed him that they would not pay for the removal of the tree, however, their responsibility would begin after the damage was done.

In life there will always be dead and dying trees (subluxations) that may interfere with the quality of your home (life).  If you care about your home, your family and how you wish to exist (without fear of a falling tree), you will take action and be proactive as opposed to reactive.

There are plenty of insurance companies that will pay for sick or disease care. I love not having to get the insurance card before a patient arrives and then calling the insurance company to determine which diagnosis will provide the maximum number of treatments.

Whatever level of health you are experiencing, this office offers to work with you to help remove the obstacles preventing you from maximizing your HEALTH potential.

That’s better than maximizing the number of treatments from your insurance company for some sickness.



Necessity or Luxury?

Going from Baltimore to New York,  I like to travel in comfort.   Going from my home in the city to my office in Owings Mills,  it’s more about getting there on time and arriving safely.

In both situations,  I want all of that … comfort, safety and timeliness.

But the order of priority changes depending on my objective.

It is similar to our journey through life.  Priorities change when our objectives change.

In my years involved with chiropractic, I have been challenged by wanting to make chiropractic available and affordable to everyone.   I followed a standard that taught how to attract patients and give them what they wanted and expected.  This standard basically is derived from a medical business model … which relies on the use of insurance.

Throughout the years of participating and observing this model,  I have realized that chiropractic cannot fit into that model.

As a chiropractor and as a consumer of healthy things,  I noticed a major dichotomy in my relationships … business and personal.   If a family of 4 wanted to receive regular chiropractic care  (2x/month),  how would they be able to swing it for very long … without insurance.

Insurance is not about healthy living.   It is about getting out of  a crisis.   Many families are proactive and  interested in wellness.   That is, staying out of the crisis level, if possible.

In my view, chiropractic has been promoted as a necessity and this has lead to discovering ways in which insurance could be utilized for care.  This unfortunately creates a cycle of insurance barriers,  set up to eliminate or limit  chiropractic care.  Chiropractors and their associations have developed methods to overcome those barriers.

I believe that chiropractic should be a necessity for anyone who desires to live life to their fullest potential (I don’t think there is an insurance code for that).  Just as exercise, nutrition, a positive attitude, etc. might be considered necessary for anyone who desires to maximize their health potential, many people would consider those things to be luxuries.

Over the years my objective has changed based on the lessons I’ve learned.  As a result, so have my priorities.  I think that chiropractic’s position should align itself with the concept of being in the category of a luxury … at this time.  I propose that we stop trying to fit this wellness-based, optimal-potential health field in the same category as sickness-based entities.

Is drinking bottled water a necessity or a luxury?  Are using vitamins and eating organically grown foods a necessity or a luxury?

Would the world be better served if chiropractic were viewed more as a luxury?

I have decided to help people by offering them a luxury that is affordable – especially without insurance.


‘Concierge’ Medicine

You have heard about it.

It’s controversial.

Basically a patient or family pays a membership fee to be able to have access to the doctor.

I have only one problem with it. I believe it ENCOURAGES more visits to the doctor. You know what they say “… if you are a hammer, everything looks like a nail” … or something like that.

What is in the toolbox of the doctor?  They are the experts at diagnosing and treating disease.

If you bought a membership then you will more likely want to use it, right?

So maybe you are curious about this ‘thing’ and since you are able to have this easy access to the doctor you get a consultation, examination, and maybe certain tests (xrays, lab work, scans etc.) This could then lead to further care … or not.

I believe that doctors want their patients to be as healthy as possible. I don’t believe they are equipped with the right toolbox.

They are best at getting you out of the crisis… once you are in the crisis. How about staying out of the crisis in the first place.

We need to address health rather than sickness.

The concept of  ‘concierge’  medicine is better suited in a chiropractor’s office. A person does not have to experience a ‘thing’ to go to the chiropractor. The person presents to the chiropractor for a ‘wellness’ visit.  If indicated, the person receives an adjustment.  He leaves the chiropractor’s office with his bodily systems communicating better.

Try it.