Colorado Chiropractic Journal Vol. Colorado Chiropractic Journal - Vol.
Insurance companies make money by paying out less than the total of collected premiums.
Employers and consumers want low premiums with excellent insurance coverage. Insurance companies want the highest possible premium without losing market share. Doctors want to be paid the highest rate possible for their service, and the patients want their insurance company to pay for any and all related treatment. These interests are often tugging in opposite directions which can lead to conflict, which may affect the quality and quantity of patient care. In a chiropractic office it is not uncommon for an injured patient who has physical complaints related to an automobile accident to have their bills denied by the insurance carrier.