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Posts Tagged ‘cash practice’

Help Your Body Heal Better, Faster and With More Certainty

Posted by Marietta chiropractor on December 3, 2014

How does your body heal?  How can you help it…or should you even try?

In our thoroughly modern, “scientific” age, we employ all sorts of therapies and remedies to “enhance” or “speed” the healing process.  And quite often, we take drugs to ease the pain and symptoms CAUSED by the healing process.  BUT, I would suggest to you that there is a better way.

Now before I start, I’m not telling you not to go to the ER if you’ve been involved in an accident and need immediate attention.  I’m talking about routine chronic problems that never get to heal and diminish your quality of life.  And well, what I’m about to tell you might even help that broken arm heal better, too.

Your body heals itself much like a mason repairs a damaged wall.   A crew is brought in to remove the damaged parts and prepare the way for rebuilding the wall.  Then new materials are brought in to replace the old damaged material.  A competent and capable body (like the mason) will get the job done in the appropriate amount of time.

How does your body repair itself?

How does your body repair itself?

However, If the nervous system is compromised, the process simply will not function appropriately.  It’s like the mason gets the word late and is not quite prepared for the job.  Then we take something to ease the pain and it’s like giving the mason a bottle of booze to keep him from getting mad.  He can’t focus and just takes longer to do the job at less than 100%.

Enter the chiropractor.  He/she makes sure the brain gets the right signal and proper instructions and the right mason are then sent to the damaged/sick area.  The demolition and repair are done correctly and timely.

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So if you want to make sure your body heals properly and as efficiently and effectively as possible, find a good chiropractor that ONLY ADJUSTS the spine to remove this thing we call a vertebral subluxation.  You’ll be glad you did.

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Chiropractic and the senior citizen

Posted by Marietta chiropractor on June 7, 2013

Why would an 87 year old lady choose a chiropractic membership?  So she can enjoy her life to the fullest!  That’s why!

Chiropractic is good for anybody and everybody!

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Chiropractic and a Better Life

Posted by Marietta chiropractor on April 29, 2013

There’s not an aspect of your life that is not affected by your nervous system.  It doesn’t matter if it’s how your body functions, how your relationships work, how successful your career is or even your spiritual life.  In fact, I’ll be so bold as to say that your nervous system is THE physical link between your potential and your reality.

You see, your Central Nervous System (brain and spinal cord) is the first system in the body to develop when a woman becomes pregnant.  By virtue of that alone, every single tissue, organ and system in your body derives from your nervous system.  That just means that ANY stress on your nervous system will absolutely have a negative effect on how your body functions.

Even more important is the fact that how you perceive your inner and outer world directly affects the decisions you make at every level of your life.  A dirty filter makes for faulty decisions.  A pile of faulty decisions can mess up your life.  A lifetime of bad decisions can ruin your life and many others connected to you.  So, wouldn’t it make sense that a healthy nervous system is necessary for a healthy, whole and happy life?  Absolutely!

OK.  So where does the chiropractor come in?  Glad you asked.

While many people (including lots of chiropractors) think that chiropractic is best suited for back pain and headaches, that barely scratches the surface.  When a chiropractor makes a valid adjustment to the spine (primarily at the top of your neck) everything works better.  And, I mean EVERYTHING!  Sometimes, you may not notice it right away.  BUT, you ARE better right then, right there.  As time passes and you stay adjusted, you become well-adjusted.  THEN, life begins to look a whole lot different.

And, guess what.  You don’t even need symptoms to benefit from what a good chiropractor can do for you.  All you need is to be alive and to want to be MORE ALIVE!

So, how do you find this special kind of chiropractor?  The first clue is that they don’t advertise about pain or symptoms.  Their ad in the phone book might include ONLY their name, address and phone number.  They’re called “Principled” chiropractors or DE chiropractors or upper cervical chiropractors.  And if all else fails, you call or write me.  I’ll find one for you.

Till then, remember that “Nothing is bigger than LIFE!”

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Price Elasticity and the New Chiropractic Reality

Posted by Marietta chiropractor on August 24, 2012

I love Economics, often called “The Dismal Science”.  The short definition of Economics is that it’s the study of the allocation of scarce resources.  Like many things in Economics, scarcity is a relative terms.  Tow of the great caveats in Economics is “What if” and “it depends”.  In other words, Economics really is a study of behavior as it relates to stuff.  Stuff like money and the stuff we substitute for money.

Since entering the world of healthcare (specifically Chiropractic) over 20 years ago, I’ve watched with great interest the games providers play with Economics and how really naive the healthcare business is when it comes to the Dismal Science.  It’s really amazing, too, how ignorant lawmakers, regulators and administrators are about the economics of healthcare, too.  But, I’ll focus on Chiropractic in order to keep my interest high and this article short.

We all know about Economics’ Law of Supply and Demand.  We also understand that the greater the demand for a given product or service at a given level of supply, the higher the price of that good or service.  Further, we know that given a certain level of demand the quantity supplied can affect the price of a product or service.  There is an additional concept within the Law of Supply and Demand called “elasticity”, which basically is how widely supply and demand changes given changes in the price of a product or service.

OK.  Enough background.  What I want you to see are the dramatic changes facing the chiropractic profession because of the Law of Supply and Demand and the Price Elasticity of Demand for chiropractic services.  Over the last 30 years, chiropractors have benefited (?) from relative parity with other health professions when it came to 3rd party reimbursements like health insurance and Medicare.  Prior to that, chiropractors were paid directly by consumers of their service.  As a result, fees were relatively low.  After “insurance parity” chiropractic bills skyrocketed.  For the longest time, the chiropractors’ bills were rarely questioned.  And as long as patients were required to pay little or nothing out-of-pocket, they flocked to chiropractors’ offices and everybody was happy.

Eventually, the profession began to choke the goose with the golden egg.  Managed care came on the scene and the scrutiny of chiropractic bills began.  Deductibles and copays started increasing.  In other words, patients were being required to take cash out of their pocket to pay for a portion of their chiropractic care.  At that time, we began to see serious competition among chiropractors themselves but also with physical therapists and MDs..  It seems that MDs could bill greater amounts with fewer out-of-pocket requirements than the chiropractors.

Chiropractors found that even the slightest increase in out-of-pocket expense caused a drop-off in consumer demand for chiropractic services.  So, the natural response was for the chiropractor to waive out-of-pocket costs or NOPE, no out of pocket expense.  Problem was, that tactic was deemed illegal under fraud statutes. Chiropractors started going to jail NOT in righteous protests but for fraud.

The next response by the profession was “exhaustion of benefits”.  Under this approach, a care plan would be rendered based partly on what a person’s insurance coverage was.  The amount covered would be subtracted from the calculated cost of the care plan at the doctor’s per visit rate (including covered therapy modalities) and the balance either paid up front with a discount or spread over the life of the care plan.  This approach has come under great scrutiny by both legal and regulatory authorities.  Hopefully, this practice is almost gone.

But, the history of chiropractic economics has shown that the Price Elasticity of Demand is very significant.  this just means that even though chiropractors had been paid very well for at least a couple of decades, that income was the result of creative billing and lax  oversight by 3rd party payors and NOT because they competed directly for consumers on a cash basis.  Over that time, chiropractors began to equate their value with their gross income instead of the REAL demand for chiropractic services by the cash paying customer.  Many of those same practitioners have been teaching chiropractic students over the last decade or two that there is no price competition and that they should expect (even demand) a high level of reimbursement.

The sad reality is that insurance coverage for chiropractic services is almost gone in America.  Chiropractors are now in an environment where they must compete with each other for clients but with alternatives that may still be receiving some 3rd party payments while the DC is not.  In other words, there a lots of chiropractors charging rates based on what used to be paid by someone OTHER than their patient.  And as we all know, no one spends their own money like they’d spend someone else’s.

So, what we have in chiropractic now are thousands of recently graduated chiropractors who entered school to become a doctor who didn’t have to work hard while making lots of money entering a market where there is little or no 3rd party pay and an economy where people are squeezing every penny out of every dime just to make ends meet.

The new economic realities of the chiropractic profession are that students owe at least twice (in student loans) what they can expect to earn in a year.  The average income for chiropractors is falling as is the average fee for service.

Today’s chiropractor is ill-equipped to face the new market realities.  He/she must become excellent marketers, well versed in public speaking, one-on-one selling, social and business networking and business management.  They will work in smaller offices with lower overhead, smaller staff, lower incomes and lower fees.  The competition for the old reliable NMS conditions will be hard to wrench from the hands of orthopedists and physical therapists.  They will be forced to improvise their approach or seek other careers, like teaching Biology at the local middle or high school.  Not exactly what they borrowed $200,000 to end up doing.

The new reality is that chiropractors will almost be forced to narrow their scope like chiropractors of old, offer fee systems that are reasonable for most individuals and families to pay out of pocket and to sell chiropractic like BJ Palmer did in his time and Sid Williams in his.  As for me, I am glad to see this change coming.  But, I don’t think my profession and its system of learning and regulation are.  I guess time will tell.

 

 

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The Membership Practice: Fees For Life!

Posted by Marietta chiropractor on August 22, 2012

I get lots of angry feedback from many fellow chiropractors about my “low fees” and practice style.  You see, my fees range from $89 a month for an individual to $149 for an entire family for regular chiropractic care.  It seems they deem my fee and practice structure as less than “professional”, insisting that your experience at the chiropractic office should be virtually the same as that in your MD’s office.  One replied on a Facebook forum about a blog post titled The Membership Practice:  Walmart and Unlimited Chiropractic Care. asking if one would go to Walmart to consult with a heart surgeon.  Crazy.

Truth is you would NOT go to Walmart to consult with a heart surgeon.  Face it.  You’re probably not going to buy an expensive business suit or cocktail dress there either.  Nor would you seek out a heart surgeon there.  However, millions of people around the country (indeed, the World) shop at Walmart EVERY week for home essentials like non-perishables, etc.  Studies have shown that even wealthy Americans shop at Walmart every week for consumable household goods like detergent, toothpaste, soap, deodorant, etc.

Many of my detractors will ask “What is a chiropractic adjustment worth?  My reply is simple, maybe even a little simplistic.  “A good chiropractic adjustment that does what a chiropractic adjustment should do is PRICELESS!”  OK.  OK.  What SHOULD a good chiropractic adjustment do?  A good chiropractic adjustment helps improve communication between your brain and body enabling you to live a better life, make better decisions and simply be a better you EVERY day of your life!  So, how would I value that?  I’d say “If you include chiropractic into your lifestyle for the next 40 years (and get more out of your life) at my current rate of $89 a month, it would be valued at about $43,000!

And, I’d be glad to let you pay me the Net Present Value of $43,000 today for lifetime care if you’d like.  But, really.  Who’s going to do that?  Right.  Probably nobody.  And, I really don’t want you to pay me up front.  I’d rather you pay me a little bit every month so you can appreciate your investment in your health and your life.

You see, crazy chiropractors like me admit from Day One that you should be checked regularly from now on by your chiropractor.  We also admit that while a chiropractic problem CAN lead to a Medical problem, it doesn’t need to.  We know (and want YOU to know) that your body and life will work better without pressure on your nervous system cause by a slightly misaligned vertebra.  By making it affordable (even CHEAP) we help folks find a way to include regular chiropractic care as part of their health and life maintenance plan.  Hey.  Think about your car.  What’s cheaper, maintenance or repair?  My point, exactly.

So the next time someone tells you the chiropractor wants you to come for the rest of your life, tell them you understand why!  And, tell them you know where they can find one that will make that affordable and easy for them to do.

I know hundreds of chiropractors around the country that offer Chiropractic Membership Plans.  Let me know if you need one.  I’ll help you find them.  And remember, Life is good! 

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The Membership Practice: What are the benefits for the practitioner?

Posted by Marietta chiropractor on October 20, 2010

What are the benefits of The Membership Practice for the practitioner?

  • Revenue stability,
  • congruity of practice,
  • improved “compliance”,
  • better results,
  • eliminates “sales pitch” aspect of your recommendations,
  • better planning,
  • no insurance paperwork or hassle,
  • lower overhead,
  • simplifies practice,
  • increased credibility,
  • increases loyalty,
  • consumer friendly,
  • Principled.

What are some other benefits that you can think of?

Posted in Alternative health care, Blogroll, Business, Chiropractic, Economics, Ethics, Finance, Health care, health insurance, Health Issues, Insurance, vaccination, wellness | Tagged: , , , , , , , , , , , | 2 Comments »

What IS a Chiropractic Smile?

Posted by Marietta chiropractor on May 24, 2010

Have you ever known someone who just always seems to be smiling?  They seem to ALWAYS feel good.  Nothing seems to bother them.

Well, what you’re seeing is someone who’s comfortable in their own skin.  They’re confident in who they are and what they are.  Life is not defined by their fears but by their faith in knowing they don’t have to live in fear…of anything.

OK.  So what does this have to do with chiropractic?  You probably know folks like that who have NEVER seen a chiropractor.  So have I. BUT, I’ve also seen lots of folks over the years who USED to live in fear of sickness, disease, infirmity and uncertainty who now live powerful lives.  OK.  OK.  Chiropractic.

Here’s the real power of chiropractic.  Chiropractic is based on the premise that everything in the Universe is organized.  In fact, that organization gives all matter its properties and maintains it in existence.  And, that organization is obviously in all living things.  In living things, that mechanism’s job is to help you (and all living things) be the MOST and ?BEST you can be.  It interprets the environment and stimulus around you and responds appropriately.  It knows what is the right chemical balance in YOUR body and dispenses the right hormones in the right amount at the right time.  Really, it’s beautiful!

In fact, it’s the “thing” that keeps all the individual cells, tissues, organs and systems in your body working together in harmony to keep you functioning.   It’s THAT mechanism that leaves a living thing when it dies.  In fact, that mechanism STOPS working the moment you die.  There is STILL life in your body.  It’s just not coordinated.  The life that’s left is random, each individual cell doing ITS very best to survive.  That’s what happens when your body decomposes.  The organizing mechanism leaves you and chaos is left.

That organizing mechanism CAN be diminished in living things, particularly humans.  It can be disturbed by chemical, physical or emotional stress.  The more of these stresses that exists, the more chaotic the organization of the function of the cells, tissues, organs and systems in your body.  In other words, the diminished organization actually causes “less life”.  Eventually, this can lead to sickness, infirmity and disease.  In an effort to deal with the symptoms of this disorganization, people are convinced that drugs can help or that surgery can remove an offending organ.  Sadly, these remedies only mask the EFFECTS of a disorganized body while allowing the REAL problem to continue.

Folks under long term chiropractic wellness care routinely remove a significant cause of this disorganization.  So, their bodies work in a more organized way.  When that happens, they have less need for drugs or surgery.  As they learn to trust and listen to their bodies, they move in a more powerful, independent way.  Their confidence in themselves, their design and the Design for their life continues to grow.  The more they’re able and willing to listen to that little voice inside them, the more powerful their health and life.  Things just work better.  And like money invested routinely with interest and dividends reinvested, their life becomes even more dynamic.

So, the chiropractic smile is power, strength, confidence and joy on the inside expressed on the outside.  My wish for you is that you’ll want to experience this power in your life.  Find a wellness chiropractor that is confident in your potential.  If you can’t find one or don’t know how to find one near you, let me know.  I’ll help you find one.

Posted in Alternative health care, Blogroll, Chiropractic, Fitness, Health care, Health Issues, Life, self help, wellness | Tagged: , , , , , , , , , , , , , , , , | Leave a Comment »

What can chiropractic mean to you? A personal Declaration of Independence!

Posted by Marietta chiropractor on June 29, 2009

“We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.” One of the most powerful statements ever uttered by Man are these few words found in our own Declaration of Independence.In addition to its profound meaning for our nation and as the guidepost for freedom for all peoples of this planet, it’s also a reminder that we (you, me and all of Mankind) were Designed to be great, healthy, strong, free from fear and able to pursue happiness in your life in all its’ forms.

How sad that in a society of affluence and almost magical technology, way too many folks live in fear of sickness, disease and infirmity. In our so-called advanced society, we’ve created a disease for every drug. We’re taught to fear life itself! So, we begin early living life as though it were a virtual mine field. This causes that and that cause this. So-called “scientific” research validates drugs that kill thousands while offering limited relief for those grasping for even an ounce of hope.

BUT, there IS hope for a suffering and searching Mankind. Chiropractic, the profession hidden by many’s focus on back pain, has been offering freedom to millions of Americans and peoples around the world for over 110 years. In its purest form, the proper application of chiropractic principles helps your body function closer to your own God-given potential for health. Sometimes, it happens with a single adjustment. Sometimes, it happens in layers like removing husks from an ear of corn. Eventually, as you’ve pulled back all the husks, you find the fresh sweet goodness inside.

As we approach our country’s Independence Day, I urge you to declare your won independence from fear of sickness and infirmity. Start pulling back those husks and seeing God’s Glory manifest in your own life. Pursue your potential in strength, love and joy and you’ll find your fears falter and fall behind. Sooner than you can imagine, they’ll fade into the distant past.

May God bless you in all your trials and tribulations but also in His Glory manifested in YOUR life!

Posted in Alternative health care, Blogroll, Chiropractic, Fitness, Health care, Health Issues, Life, motivational, Politics, religion, self help, spirituality, wellness | Tagged: , , , , , , , , , , , , , , | Leave a Comment »

How might the financial market crisis affect your healthcare?

Posted by Marietta chiropractor on October 7, 2008

Good question.  Probably NOT the first thing folks think about when they hear and read reports about the (almost $1 TRILLION) Government bailout of the financial industry.  However, this nonsense will ripple throughout our entire economic sytem with repercussions not yet considered by our “leaders”.

The real estate, banking, securities and insurance industries are all linked in a variety of ways.  In good times, insurance companies are flush with cash and invest heavily in the stock market and real estate.  Also during good times, bankers tend to get a little over-enthusiastic and get very aggressive in their lending.  As we have seen from this “bailout” madness, securities firms speculated on the value of real estae and bought and sold essentially worthless mortgage backed securities in astounding volumes.

As the market turned, all of these entities became less liquid and started pulling in their horns.  If it were just one bank, or securities firm or insurance company, there would be virtually no problem as a result.  However, everybody involved started pulling back at the same time and in a drastic way.  The result is what we are seeing right now,  a liquidity crisis throughout the financial industry.

So, just how will all this affect your healthcare?  Good question.  Specifically with insurance companies, I think you’ll see a few things happen.  As they try to improve their liquidity, I think you’ll see premiums increase while payouts are tightened.  In other words, t’s going to cost you more to have insurance AND it will pay you even less than before IF they pay, at all.  You can expect underwriting criteria to get insurance to get much toughr.  You may see your healthcare providers ask you to pay up front and have your insurance company reimburse ou directly.

So, how might you deal with this scenario?  One alternative might be to purchase a higher deductible insurance policy.  Another would be to think twice about even using your insurance.  Isn’t THAT a heck of a note?  Pay out the nose for insurance and not be able to use it.  Still another might be to seek out providers that operate on a cash basis and offer reasonable fees based on what YOU need instead of what your insurance policy might pay.

However you decide to deal with this situation in the banking and finance industry, you should keep your debt down and try to manage your expenses as much as possible.  Stay healthy and on the job.  If you need to find a good chiropractor to help you stay healthy and on the job, just let me know.  I have friends that can help you stay on the job AND save money while doing so.  Best wishes.

Posted in Alternative health care, Blogroll, Business, Chiropractic, Economics, Entrepreneurs, Finance, Health care, health insurance, Health Issues, Insurance, Politics, Real Estate, Small Business | Tagged: , , , , , , , , | Leave a Comment »

My Ideal Chiropractic Practice

Posted by Marietta chiropractor on February 25, 2008

Sometimes, it’s good to sit down and specify exactly what it is you want.  And, it’s also good to let the world know what you want, as well.  So, I’m doing just that.

My ideal chiropractic practice is one where I see 300-500 people every week.  Some of those come as infrequently as once a month and some as often as once a week.  A few of them might be there because they are seeking relief of some physical ailment.  But, most come because they have resolved a problem by getting adjusted and simply because they feel so good and want to keep it that way.  Many of the folks that come are athletes that want to perform better in their chosen sport.

Because most of the folks that come no longer suffer from symptoms, insurance is not a factor.  They pay a monthly fee (similar to a health club) or pay a reasonable cash fee per visit.  There’s little paperwork and virtually no hassle.  Everybody knows that our goal is simply locate and correct a significant source of stress on their nervous system and that physical therapy is not necessary to do that.  Their visits are short and allows them to get on with their day.

Not only do Practice Members come on a regular basis, they bring their friends and family so they can enjoy the benefits of simple, yet powerful, chiropractic care.  No one has to be coaxed, cajoled or coerced into care.  They’re there by their own choosing and enjoy weaning themselves off a health care system that is based on fear, sickness and death avoidance.  My Practice members are fully alive and fully engaged in their lives.  I know about their families and their lives and they ask about mine.  We’re as much friends as we are doctor and patient.

In short, my ideal practice is full of happy, healthy people who regularly refer their friends and family.  Reasonable cash payments provide plenty of income for me and my family without having to deal with burdensome paperwork and third party reimbursement.   The practice is based on the principles of Dynamic Essential:  Giving, loving and serving out of abundance.

If you know someone who wants to be a part of this kind of healing experience, please send them my way.

Posted in Alternative health care, Blogroll, Chiropractic, Fitness, Health care, Health Issues, Life, motivational, self help, vaccination, Weight loss, wellness | Tagged: , , , , , , , , | 5 Comments »