of the others. You're the one ripping off the insurance companies, without them having any point of reference how the insurance companies just don't pay their bills properly. Then they have the right to come back a year later and decide, "Well, I want my money back." That's all a risk to the provider. When we talk about these Discount Medical Plan Organizations, that's what I loved about what you do because when I'm talking to doctors on the phone and they're telling me why they now have a problem with a patient it is almost always because they weren't clear in communicating what to expect, what the fees were, just as you indicated. It always seems to lead to an upset. Art of it is because the doctor is afraid to tell them how much they charge, and or the doctor thinks it's okay that if they have an insurance plan, it's one fee. If they have a cash plan, it's another fee. They think that's okay to just do. You're talking about a whole different world of being in compliance making this actually work on behalf of the doctor, but really on behalf of the patient. What does make these DMPOs, that model legal? Okay. The DMPO model, is it's nothing that I created, trust me. As I did my research what I found is that most health insurance companies, the Blues, Aetna, Cigna, even United Healthcare. They also operate a DMPO, a Discount Medical Plan Organization. Those entities are regulated by the Department of Insurance. When you look at the mechanisms for offering discounts. I may have my actual fee. Let's say, whatever service is it's $100 a visit. If I'm part of Blue Cross, there's the contractual network discount as part of my agreement. The challenge with having a PI fee, a cash fee, Worker's Comp fee, mother, father, sister, brother fee is ... Dr. Larry Markson used to say, "It's a dual fee schedule." What we need to understand as a profession, there needs to be one fee, your actual fee. Hospitals use what's charged a charge master. That's why they know to charge a patient $27.17 for a Tylenol. They bill everybody the same, but these contractual network discounts are what makes this legal. Quite frankly there's maybe other ways to discount. When you're using the type of plan that's owned by the insurance companies, and regulated by the Department of Insurance, that is the safest and simplest way that we know of to be able to offer discounts. If it's okay for Blue Cross, Aetna and Cigna to all pay us different, then you use a discount medical plan that's owned by an insurance company, it's hard to take anyone to task for being part of a network and offering discounts because that is the gold standard. The contractual network discount. That's the best way I know of to answer that. I don't know of a plan that works better than one that's actually regulated over 34, 35 states now. Right. Basically you're just accessing the system that already exists and is recognized by the government really and bringing it into the chiropractic world so that the doctors can access this and have a legal mechanism to work with different classes of patients. Is that my-
Dr. Foxworth:
Dr. Hoffman:
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