Credit Application is required for service. The patient thinks the insurance company will pay majority of fees. Instead, Blue Cross Blue Shield pays almost nothing for services rendered. The chiropractor charges $5,250 for 11 visits which is almost $500 per visit. The chiropractor turned fees into his finance company which charges a whopping 28% interest rate. It is just like a credit card. The finance company grants a $6,000 "limit." The chiropractor charges it up to $5,260.
The patient talks to the Doctor who agrees to decrease it to $3,000 on a conference call of 3 people. The doctors mother is in charge of accounting. When the amount is verified the next day, the mother in accounting refuses to decrease charge to $3,000.