Dr. Foxworth:
Sure I'll be glad to Stu. Thank you so much for allowing me to speak to your family if you will. I really enjoy these conversations rather than presentations. I'll be happy to share that story with you. You know there's a saying that necessity is the mother of invention. I had a necessity in my practice. It was the result of what I've historically called my most painful day in practice. I was taking car of a patient Miss Jones, like all of us do. She was a cash patient at the time. I was seeing her, her husband, and a couple of kids. Back at that time I was probably charging 35, $40 a visit. I'm happy, they're happy. The world is good. Then Miss Jones was involved in an auto accident. I did what most any doctor would do. I billed my PI fee out to the auto carrier. A few weeks later, the lady went through treatment. She comes in a few weeks later, with some papers in her hand. I walk into the room with one of my staff. There she is sitting there and you just know something's wrong. I'm a very astute guy so I said, "Miss Jones you look like something's wrong." This nice little lady that I've seen for literally years walks up to me and says, "Doc, I saw what you charge the insurance companies." Taps me on the chest and says, "It's guys like you ripping off the insurance companies that keep my family from affording healthcare." That was a kick in the gut. I said, "No, Miss Jones. It's guys like me that bend over backwards to help folks like you that don't have healthcare, but I made a serious mistake. I never let you know what my actual fees were and that I was really trying to help you. That'll never ever happen to me again." Stu, that's when I started looking at why is it okay for Blue Cross, Aetna and Cigna to all pay us a different fee for the exact same code? I can't have a different fee for my cash patient or my Medicare patient for their non-covered services. As I started doing my homework and because I'd been involved in creating a network here in the state. What I found was there is a way to do this. If the doctors don't write anything else down today write down this acronym, DMPO. It stands for a Discount Medical Plan Organization. Chiro-Health USA is a network that contracts with a Discount Medical Plan Organization, which by the way are regulated by the departments of Insurance. They follow the exact same network model as Blues, Aetnas and Cignas. When you offer discounts as part of a DMPO member and a provider in our network, that's what makes offering discounts to patients if you're doing that. That's what makes it compliant at literally every level of regulation we have from our border examiners all the way up to the OIG. It came [crosstalk 00:06:34] out of a very painful day. That's what I found to be the most effective model to help our doctors and help our patients. Ray, let's talk about that for a minute because any of us that have been around the block a couple of times understand exactly what you're referring to. Not only do the patients not only appreciate what we do. Some of the patients have no problem going to the neurologist. The first visit is $700 just for the consultation, this and that. You charged a whole $60 and they have a problem. I get it. They also come to us as chiropractors sometimes after they've been to all
Dr. Hoffman:
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