Education MTB Coaching

When deciding whether to bill cash or insurance in a chiropractic clinic, it is important to consider both the pros and cons. Knowing the differences between billing cash and insurance as well as the benefits and drawbacks of each choice will help to ensure the best possible approach for both the clinic and the patients. 

The pros of billing cash for chiropractic services are numerous:

Faster billing turnaround and the ability to serve more patients with fewer delays. Collecting payment at the time of services eliminates the need for administrative paperwork, reducing costs and basically eliminates the billing process. You simply collect payment at the time of service, post the payment, offer your patient a receipt and repeat the process on their next visit.  

Clinic staff can focus more on providing superior patient care. When you remove the distraction of insurance billing, staff isn’t distracted by filing insurance claims, generating/sending patient statements, or other insurance related matters. This problem can also be solved by outsourcing your billing when billing insurance. This will reduce stress, save you time and money, as well as, give you the other benefits to billing insurance without some of the drawbacks.

Patients are more likely to pay in full due to the lower prices the clinic can offer. Cash typically results in a lower overall cost to the patient due to the elimination of insurance premiums and higher deductibles. 

Patients don’t worry about surprise bills if it isn’t covered by their insurance plan. No one likes a surprise bill and it can cause a lot of stress and ultimately deter people from scheduling an appointment and getting the help they need.

On the other hand, there are a few potential cons to billing cash: 

Clinics lose patients who rely on insurance coverage. Many people who have insurance, want to use their insurance, especially if they have decent coverage.  For good or bad, people tend to rely on their insurance coverage when they are injured or ill. So scheduling an appointment at a clinic where insurance is not used can be overwhelming and cause potential patients to go to another clinic that provides insurance coverage.

Cash-only clinics miss out on referrals from other healthcare providers who deal directly with insurance companies. Having partnerships and referrals from other providers, as well as local companies/schools/hospitals in your area, is a great resource to help your clinic grow. In many cases, being in-network with popular insurances for your area, can be a great way to get new patients. If your clinic misses out on that resource it can hold your clinic back and make you play more in other forms of marketing to keep up with competitors.

Those are the pros and cons to billing cash within your clinic. Take some time to look at your target market, your current clientele, your marketing strengths and limitations, and where some of the bottle-necks are in your clinic. Would your clinic benefit from billing cash?  

Knowing all the ins and outs of how your clinic runs and the potential it can have is beneficial when deciding what systems need to be put in place. So, now let’s take a look at the benefits and drawbacks to billing insurance to see if this is the right move for your clinic.

The pros of billing insurance are numerous as well: 

Clinics have a greater chance for growth. When billing insurance, as outlined above, clinics gain new patients from referral sources which can be beneficial to their bottom line, help with growth and community involvement. 

Clinics can submit multiple claims. In most cases, a patient will commit to more care when they feel their insurance is covering part of that care and/or that they are working toward meeting their deductible. Though we’ve come a long way, a majority of the population still has a “since I pay for it, I want to use it” psychology when it comes to their health insurance.

Along with the pros there are also a few disadvantages to billing insurance:

It takes time and money. If you are billing insurance internally, the amount of time it takes to submit, post and follow up on claims can put stress on your staff. It also costs money for continued training for your staff to be up to date on claims, technology, and other billing information.

Higher level of frustration when it comes to discussing insurance-related matters. Billing insurance can lead to a decrease in overall patient satisfaction due to the need to discuss deductibles and other insurance-related matters, which can lead to longer wait times and a higher level of frustration on both the clinic and patient. 

Those are some of the top pros and cons to billing insurance within your clinic. Take some time to look at your target market, your current clientele, your ability to successfully market a cash practice and where some of the bottle-necks are in your clinic. Would your clinic benefit from billing insurance? If you’re worried about some of the disadvantages to billing insurance, then outsourcing your billing is the right move for your clinic.

When deciding whether to bill cash or insurance in a chiropractic clinic, it is important to understand the pros and cons of both approaches. Knowing which one is right for your clinic can help ensure optimal patient care and satisfaction. Ultimately, the best approach will depend on a variety of factors, such as your clinic’s size, location, marketing strategy, and customer base. 

Money Tree Billing is a chiropractic billing company who removes the distraction of billing from your office so you can focus on changing lives through chiropractic care. Money Tree Billing offers complete billing cycle management through a dedicated and seamless billing process. We empower you and your team with support beyond just billing. Focus on your practice and your passion and we’ll focus on getting you paid. We GUARANTEE our work. Money Tree Billing guarantees if your insurance claim goes unpaid due to our error, that we will credit you the amount you would have been paid on that claim. You won’t find another guarantee like it in the industry. To learn more about Money Tree Billing, and our one-of-a-kind guarantee, visit

Client Login