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Why We Don’t Accept Insurance

Category: Patient Resources

Dr. Mario Tolj

Why We Don't Accept Insurance

Come on! Really! You don’t accept insurance, that’s B.S….Ugh!

I used to be a patient and I get the frustration but please take a minute to check out our point of view. With a good amount of experience in the chiropractic industry, I’ve witnessed firsthand the challenges that come with navigating the complex world of insurance coverage for treatments like spinal decompression therapy or general chiropractic care. It’s a topic that deserves a candid and honest discussion, both from a personal and political perspective.

Key Takeaways

  • Understanding insurance coverage and alternative payment options is crucial when considering spinal decompression therapy.
  • Cash-based chiropractic practices offer personalized care and competitive pricing without the constraints of insurance companies.
  • The BodyFix provides accessible, high-quality chiropractic care with flexible payment options and a focus on patient education and long-term wellness.

Table of Contents

Why We Don’t Accept Insurance At The Bodyfix

You raise an excellent point, and it’s a question that deserves deeper consideration. Choosing not to accept health insurance for certain outpatient services may seem counterintuitive at first glance. However, there are compelling reasons behind our approach at The BodyFix, rooted in our commitment to providing you with the highest quality care tailored to your unique needs, free from external constraints.

The Harsh Reality: Insurance Companies’ Priorities

To understand our perspective, it’s essential to address the unfortunate realities surrounding health insurance companies. While these entities play a role in the healthcare system, their primary motivation is often driven by profit maximization, which can conflict with the best interests of patients and healthcare providers.

Insurance companies essentially become a ‘third party’ in what should ideally be a direct relationship between you and your healthcare provider.

At The BodyFix, we firmly believe that only you and your treating doctor should be involved in making decisions about your healthcare journey.

Why is this so important?

You and your doctor are the only ones truly invested in your health and well-being (apart from your loved ones).

When it comes to outpatient care, we believe that medical and financial expectations should be part of a transparent contract between you and your physician, fostering a relationship built on trust and professionalism.

However, when a third party like an insurance company enters the equation, their focus shifts to minimizing payouts as much as possible. While insurance companies have a right to pursue profits, there are ethical boundaries that should be respected.

In their pursuit of profitability, insurance companies often overstep their boundaries by requiring unnecessary testing or procedures that may not provide the answers you and your doctors need. This approach can lead to delays in obtaining an accurate diagnosis and timely treatment.

Alarmingly, in some cases, insurance companies may even deny access to potentially life-saving testing or treatment recommended by your physician, solely to avoid making a payout.

The truth is, that insurance companies frequently attempt to override a medical professional’s recommended course of treatment, even if their denial is based on a review conducted by a physician who has never examined or interviewed you in person.

This leads us to an important realization:

Medical Insurance Does Not Guarantee Medical Care

As surprising as it may sound, having health insurance does not guarantee access to the medical care you need. A majority of Americans with health insurance said they had encountered obstacles to coverage, including denied medical care, higher bills, and a shortage of doctors in their plans, according to a new survey from KFF, a nonprofit health research group. As a result, some people delayed or skipped treatment.

Medical insurance is simply a financial contract where a fixed number of medical services are provided to you (in exchange for monthly premiums) at the company’s discretion. Health insurance companies are not qualified to determine what’s best for your health, yet they make those determinations every single day.

At The BodyFix, we believe that your healthcare decisions should be made by you and your provider, without interference from third parties whose interests may not align with your well-being. By embracing a cash-based model, we can offer you personalized, high-quality care without the constraints and limitations imposed by insurance companies.

The Limitations of Insurance-Driven Care

While insurance coverage may seem like a convenient option, the reality is that it often comes with significant drawbacks that can impact the quality of care you receive. Here are some of the key limitations of insurance-driven care:

  1. Stringent documentation requirements: Insurance companies demand meticulous record-keeping, often placing an unnecessary administrative burden on healthcare providers. Failure to adhere to these stringent rules can result in claim denials, leaving patients responsible for the full cost of treatment.
  2. Low reimbursement rates: Even when claims are approved, insurance companies frequently reimburse healthcare providers at rates significantly lower than their standard fees. In some cases, I’ve received payments as low as $10 or $12 for services that would typically cost much more. These low reimbursement rates make it challenging for providers to sustain their practices while delivering high-quality care.
  3. Cost-cutting measures: To control expenses, insurance companies often implement cost-cutting measures that can lead to non-comprehensive treatment. This may include limiting the number of sessions covered, placing restrictions on certain therapies, or requiring pre-authorizations that delay the start of treatment.
  4. Healthcare costs inflation: The complex negotiations between healthcare providers and insurance companies contribute to the inflated costs of healthcare services. When providers receive low reimbursement rates, they are often forced to increase their prices, leading to a vicious pricing cycle that ultimately burdens patients with higher costs.
  5. Treatment duration limitations and coverage variations: Insurance plans can vary significantly in terms of the coverage they provide for spinal decompression therapy. Some plans may cover a portion of the treatment, while others may not cover it at all. Additionally, there may be limitations on the number of sessions or the duration of treatment, potentially hindering the effectiveness of the therapy.

While insurance coverage may seem appealing at first glance, these limitations can significantly impact the quality of care you receive and the overall treatment experience. At The BodyFix, we believe in offering a better alternative – a cash-based practice that puts your needs first.

The Personal Perspective: Challenges of Working with Insurance Companies

In my previous practice in Los Angeles, I dealt with the constant pressure of meeting insurance companies’ stringent requirements. Chiropractors were hounded to maintain perfect notes and billing records, and failure to do so often resulted in claim denials and low reimbursement rates. In some cases, I received payments as low as $10 or $12 for the services I provided, making it financially unsustainable to continue working with insurance companies.

The demands of insurance companies were relentless, and even the slightest inconsistency or incomplete documentation could lead to claim rejections. This left me frustrated and disillusioned with the system, as I felt that my efforts were not being adequately compensated. It was a constant uphill battle, and the administrative burden of adhering to their stringent rules was overwhelming.

Furthermore, the low reimbursement rates made it challenging to sustain a profitable practice while providing the highest quality of care. When you receive only a fraction of the amount billed, it becomes increasingly difficult to maintain the necessary resources, staff, and equipment required to deliver exceptional service.

The Political Perspective: How Insurance Companies Inflate Healthcare Costs

From a political standpoint, I believe insurance companies are a major contributor to the inflated costs of healthcare in the United States. Their practices and policies often lead to a vicious cycle that drives up prices and diminishes the quality of care for patients.

Why We Don't Accept Insurance

The Benefits of Cash-Based Chiropractic Practices

By choosing a cash-based chiropractic practice like The BodyFix, you can enjoy a range of benefits that prioritize your health and well-being. Here are some of the key advantages:

  1. Affordable pricing and competitive rates: Without the constraints of insurance companies, we can offer competitive rates that are often comparable to or even lower than typical insurance copays. Our cash-based prices make high-quality chiropractic care accessible to a wider range of patients.
  2. Personalized attention and tailored treatment plans: At The BodyFix, we take the time to understand your unique needs and develop tailored treatment plans specifically designed for you. We’re not bound by the one-size-fits-all approach often imposed by insurance companies, allowing us to provide truly personalized care.
  3. Focus on patient outcomes and satisfaction: Our success is measured by your satisfaction and the achievement of your health goals. Without the constraints of insurance company requirements, we can concentrate our efforts on delivering the best possible treatment outcomes for each individual patient.
  4. Patient empowerment through education and informed decision-making: We believe in empowering our patients by providing comprehensive patient education and involving you in the decision-making process. We’ll explain your condition, the recommended treatment plan, and the expected outcomes, so you can make informed decisions about your health.
  5. Financial accessibility with flexible payment options: We understand that healthcare costs can be a concern, which is why we offer a variety of flexible payment options. Whether you choose to pay with cash, credit card, Health Savings Accounts (HSAs)Flexible Spending Accounts (FSAs), or financing through Care Credit, we’ll work with you to find a solution that fits your needs.

In response to these challenges, I’ve made the conscious decision to embrace a cash-based practice model. By operating outside the constraints of the insurance system, we can offer reasonable, competitive pricing for high-quality chiropractic care.

This approach allows us to bring healthcare back to a free market system, where patients have the freedom to choose their providers and the services they require. By eliminating the middleman and the bureaucratic red tape associated with insurance companies, we can focus our efforts on delivering personalized, comprehensive care tailored to each patient’s unique needs.

The BodyFix Approach: Patient-Centric Care

At The BodyFix, our mission is to provide accessiblehigh-quality chiropractic care that revolves around you, the patient. We believe that every individual deserves personalized attention and a treatment plan tailored to their unique needs. Here’s what you can expect when you choose The BodyFix:

  • Commitment to accessible, high-quality chiropractic care: We strive to make exceptional chiropractic care available to everyone, regardless of their insurance coverage. Our cash-based pricing and flexible payment options ensure that you can receive the treatment you need without undue financial stress.
  • Comprehensive treatment plans tailored to individual needs: We take a holistic approach to your care, developing comprehensive treatment plans that address not just your symptoms but also the underlying causes of your condition. Every plan is customized to your specific needs, ensuring optimal results.
  • Emphasis on patient education and long-term wellness: At The BodyFix, we believe that knowledge is power. We take the time to educate you about your condition, the recommended treatment plan, and the expected outcomes. Our goal is to empower you with the information you need to make informed decisions about your health and actively participate in your own recovery.
  • Transparent communication and active patient participation: We value open and honest communication with our patients. We encourage you to ask questions, share your concerns, and provide feedback throughout the treatment process. This collaborative approach ensures that we’re working together towards your health goals.
  • Flexible payment options: We understand that healthcare costs can be a concern, which is why we offer a variety of flexible payment options. Whether you choose to pay with cashcredit cardHealth Savings Accounts (HSAs)Flexible Spending Accounts (FSAs), or financing through Care Credit, we’ll work with you to find a solution that fits your needs and budget.

The Value of Chiropractic Care

When it comes to addressing musculoskeletal conditions and promoting overall wellness, choosing chiropractic care offers numerous advantages. Here’s why you should consider this holistic approach:

  1. Expertise in the musculoskeletal system: Chiropractors are extensively trained in the intricacies of the spine, joints, muscles, and nervous system. This expertise enables them to develop highly effective treatment plans that address the root causes of your condition, whether it’s back pain, neck discomfort, or other musculoskeletal issues.
  2. Comprehensive, multi-modal approach: At The BodyFix, we believe in a comprehensive approach that combines various techniques, such as chiropractic adjustments, manual therapy, exercise rehabilitation, and lifestyle counseling. This multi-faceted approach promotes faster healing, reduces muscle tension, and enhances overall function and well-being. It’s not the “assembly line” pop-and-crack type of clinic that your used to.
  3. Non-invasive, drug-free treatments: Chiropractic care focuses on non-invasive, drug-free treatments that work in harmony with the body’s natural healing processes. By addressing the underlying causes of pain and dysfunction, we can help you achieve lasting relief without the potential side effects associated with medications or surgical interventions.
  4. Personalized care and individual attention: Each patient is unique, with their own set of needs, goals, and circumstances. At The BodyFix, we take the time to thoroughly assess your condition and develop a personalized treatment plan tailored to your specific requirements. This individualized approach ensures optimal results and a better overall experience.
  5. Preventive care and lifestyle guidance: In addition to treating existing conditions, chiropractors are dedicated to promoting long-term health and wellness. We provide guidance on posture, ergonomics, exercise, and lifestyle factors that can help prevent future injuries and maintain optimal function. It’s all about making your body work at 100% of its full potential.
Why We Don't Accept Insurance

Addressing Common Misconceptions

When it comes to cash-based chiropractic practices, there are a few common misconceptions that deserve to be addressed:

Myth: Cash-based care is more expensive than insurance-covered services.

Reality: Our cash-based pricing is often competitive and comparable to typical insurance copays. By eliminating the administrative overhead associated with insurance billing, we can offer affordable rates without sacrificing quality.

Myth: Chiropractors without insurance are not regulated or held accountable.

Reality: All chiropractors, regardless of their payment model, must adhere to strict professional standards and state regulations. We are held to the same high standards as any other healthcare provider. Any clinic can get audited anytime or get hit with a random lawsuit. We make sure our house is in order.

Myth: Insurance companies guarantee high-quality care.

Reality: Insurance companies are primarily driven by cost-cutting measures, which can lead to limitations in treatment options and compromised care. At The BodyFix, our focus is on delivering the highest quality care without external constraints.

By choosing a cash-based practice like The BodyFix, you’re not sacrificing quality or accountability. Instead, you’re opting for a patient-centric approach that prioritizes your needs and delivers personalized, comprehensive care tailored to your unique circumstances.

Cultivating a Collaborative Patient-Provider Relationship

At The BodyFix, we believe that a strong, collaborative relationship between patient and provider is essential for achieving optimal health outcomes. Here’s how we cultivate a positive and productive partnership:

  1. Building trust and confidence through open communication: From your very first consultation, we prioritize open and honest communication. We encourage you to ask questions, share your concerns, and provide feedback throughout the treatment process. This open dialogue helps build trust and confidence in our approach.
  2. Collaborative treatment approach involving patient input: We view you as an active participant in your own healthcare journey. Your input, preferences, and goals are vital in shaping the personalized treatment plan we develop together. This collaborative approach ensures that we’re working towards outcomes that align with your needs and expectations.
  3. Continuous improvement and ongoing support: Our commitment to your well-being doesn’t end once your initial treatment plan is complete. We provide ongoing support and make adjustments as needed to ensure your continued progress. Our goal is to foster a long-term partnership focused on your overall health and wellness.
  4. Fostering a holistic approach to wellness: At The BodyFix, we recognize that physical health is intricately connected to other aspects of well-being, such as mental and emotional health. We strive to take a holistic approach, offering guidance on lifestyle factors, stress management, and rehabilitation techniques that can complement your chiropractic care.

By cultivating a collaborative, trusting relationship with our patients, we create an environment where open communication, shared decision-making, and a comprehensive approach to wellness can thrive.


What is the difference between cash-based and insurance-driven chiropractic practices? 

Cash-based practices operate independently of insurance companies, offering affordable pricing and personalized care without the constraints of insurance requirements. Insurance-driven practices must adhere to the rules and limitations set by insurance providers, which can impact the quality and scope of treatment.

How do cash-based practices offer more personalized care? 

Without the need to conform to insurance company guidelines, cash-based practices can develop truly tailored treatment plans based on each patient’s unique needs and goals. We take the time to understand your specific condition and provide comprehensive care tailored to your circumstances. Our hands are not handcuffed when recommending our treatment services and plans.

Are cash-based chiropractic services affordable? 

Yes, our cash-based pricing at The BodyFix is competitive and often comparable to or even lower than typical insurance copays. We offer flexible payment options, making high-quality care accessible to a wide range of patients. Even if you think one of our services is “expensive”, we have affordable monthly payment plans.

What payment options are available at cash-based practices like The BodyFix? 

We accept cash, credit cards, Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and financing through Care Credit. Our goal is to provide flexible options that fit your budget and needs.

Why is patient education and long-term wellness a focus at The BodyFix?

We believe in empowering our patients with the knowledge and actively involving them in their healthcare journey. By educating you about your condition, treatment plan, and expected outcomes, we enable you to make informed decisions and participate in your own recovery process.


In the world of healthcare, the choice between insurance-driven and cash-based care can have a profound impact on the quality of treatment you receive. At The BodyFix, we’ve made the conscious decision to embrace a cash-based chiropractic practice because we believe it allows us to provide truly personalizedhigh-quality care without the constraints imposed by insurance companies.

By choosing our cash-based approach, you’ll enjoy affordable pricingtailored treatment plans, and a patient-centric experience that puts your needs first. We’re committed to patient education and long-term wellness, empowering you with the knowledge and support you need to achieve your health goals.

Moreover, our expertise in chiropractic care, Class IV Laser Therapy, and Spine-Med Spinal Decompression Therapy ensures that you receive the most effective treatment possible. We combine specialized techniques, state-of-the-art equipment, and a holistic approach to address the root causes of your condition and promote lasting healing.

If you’re considering any one of our services or have any questions, we invite you to schedule a consultation with Dr. Mario Tolj at The BodyFix. During your consultation, we’ll discuss your unique needs, provide a thorough evaluation, and develop a personalized treatment plan to help you achieve a healthier, more vibrant you.

Dr. Mario Tolj

Dr. Mario Tolj, the founder and lead chiropractor at The BodyFix, is a passionate and dedicated healthcare professional. With extensive experience and advanced training in chiropractic care, he is committed to delivering personalized, comprehensive treatments that address the root cause of his patients' concerns. Dr. Tolj's patient-centric approach, combined with his expertise in cutting-edge techniques and whole-body wellness, has helped countless individuals achieve lasting relief and improved quality of life.