{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":40.09,"endTime":46.35,"body":"6321, Hey everyone,"},{"speaker":"Unknown","startTime":40.09,"endTime":46.35,"body":"welcome back to the podcast."},{"speaker":"Unknown","startTime":46.35,"endTime":49.53,"body":"Better skills, better doctors."},{"speaker":"Unknown","startTime":46.35,"endTime":49.53,"body":"Thanks for joining me today. So"},{"speaker":"Unknown","startTime":49.53,"endTime":54.75,"body":"today's episode is about a very"},{"speaker":"Unknown","startTime":49.53,"endTime":54.75,"body":"popular question in the Chinese"},{"speaker":"Unknown","startTime":54.75,"endTime":58.19,"body":"medicine field, and that is"},{"speaker":"Unknown","startTime":54.75,"endTime":58.19,"body":"whether or not to take"},{"speaker":"Unknown","startTime":58.25,"endTime":62.75,"body":"insurance. And I see it asked a"},{"speaker":"Unknown","startTime":58.25,"endTime":62.75,"body":"lot on social media, and I"},{"speaker":"Unknown","startTime":62.75,"endTime":66.05,"body":"asked, I get asked this by new"},{"speaker":"Unknown","startTime":62.75,"endTime":66.05,"body":"grads or people who are about to"},{"speaker":"Unknown","startTime":66.05,"endTime":70.49000000000001,"body":"graduate from school. So I"},{"speaker":"Unknown","startTime":66.05,"endTime":70.49000000000001,"body":"decided to do an episode on this"},{"speaker":"Unknown","startTime":70.49000000000001,"endTime":75.11,"body":"and share some of my thoughts on"},{"speaker":"Unknown","startTime":70.49000000000001,"endTime":75.11,"body":"the subject. Now I'm not going"},{"speaker":"Unknown","startTime":75.11,"endTime":78.49000000000001,"body":"to tell you whether you should"},{"speaker":"Unknown","startTime":75.11,"endTime":78.49000000000001,"body":"take insurance or not. This is"},{"speaker":"Unknown","startTime":78.49000000000001,"endTime":82.99,"body":"your decision, okay? And I just"},{"speaker":"Unknown","startTime":78.49000000000001,"endTime":82.99,"body":"thought it might be helpful for"},{"speaker":"Unknown","startTime":82.99,"endTime":85.87,"body":"me to share my own experience"},{"speaker":"Unknown","startTime":82.99,"endTime":85.87,"body":"with taking insurance so that"},{"speaker":"Unknown","startTime":85.87,"endTime":89.77,"body":"you can use it as you know, part"},{"speaker":"Unknown","startTime":85.87,"endTime":89.77,"body":"of your research in making an"},{"speaker":"Unknown","startTime":89.77,"endTime":94.63,"body":"informed decision. So I took"},{"speaker":"Unknown","startTime":89.77,"endTime":94.63,"body":"insurance for almost the entire"},{"speaker":"Unknown","startTime":94.63,"endTime":97.09,"body":"tenure of my practice. I"},{"speaker":"Unknown","startTime":94.63,"endTime":97.09,"body":"actually got into it pretty"},{"speaker":"Unknown","startTime":97.15,"endTime":102.81,"body":"early, around like, 2008 2009"},{"speaker":"Unknown","startTime":97.15,"endTime":102.81,"body":"when, you know, not very many"},{"speaker":"Unknown","startTime":102.99,"endTime":108.09,"body":"insurance companies covered"},{"speaker":"Unknown","startTime":102.99,"endTime":108.09,"body":"acupuncture. And I also, I took"},{"speaker":"Unknown","startTime":108.09,"endTime":112.59,"body":"an insurance billing class a few"},{"speaker":"Unknown","startTime":108.09,"endTime":112.59,"body":"times, and I did my own billing"},{"speaker":"Unknown","startTime":112.65,"endTime":115.95,"body":"for many years. And, you know,"},{"speaker":"Unknown","startTime":112.65,"endTime":115.95,"body":"eventually I did hire a biller."},{"speaker":"Unknown","startTime":116.01,"endTime":119.45,"body":"I did hire a biller when I got"},{"speaker":"Unknown","startTime":116.01,"endTime":119.45,"body":"too busy to do my own billing"},{"speaker":"Unknown","startTime":119.51,"endTime":122.33,"body":"within scheduled office hours."},{"speaker":"Unknown","startTime":119.51,"endTime":122.33,"body":"That was kind of when I knew"},{"speaker":"Unknown","startTime":122.33,"endTime":127.61,"body":"when I was like, at home, at"},{"speaker":"Unknown","startTime":122.33,"endTime":127.61,"body":"night, at billing insurance from"},{"speaker":"Unknown","startTime":127.61,"endTime":130.25,"body":"home. I'm like, This is"},{"speaker":"Unknown","startTime":127.61,"endTime":130.25,"body":"ridiculous. Okay, so that was my"},{"speaker":"Unknown","startTime":130.25,"endTime":135.05,"body":"cue that I needed to hire"},{"speaker":"Unknown","startTime":130.25,"endTime":135.05,"body":"someone to do my billing. Okay,"},{"speaker":"Unknown","startTime":135.05,"endTime":138.85,"body":"so taking insurance, it's"},{"speaker":"Unknown","startTime":135.05,"endTime":138.85,"body":"neither good or bad. Taking"},{"speaker":"Unknown","startTime":138.85,"endTime":143.70999999999998,"body":"insurance is neutral. But if you"},{"speaker":"Unknown","startTime":138.85,"endTime":143.70999999999998,"body":"do decide to take insurance, you"},{"speaker":"Unknown","startTime":143.70999999999998,"endTime":150.73000000000002,"body":"have to understand that by doing"},{"speaker":"Unknown","startTime":143.70999999999998,"endTime":150.73000000000002,"body":"so, you are now agreeing to play"},{"speaker":"Unknown","startTime":150.73000000000002,"endTime":155.64999999999998,"body":"a game, so to speak, where the"},{"speaker":"Unknown","startTime":150.73000000000002,"endTime":155.64999999999998,"body":"rules are set by someone else,"},{"speaker":"Unknown","startTime":156.67000000000002,"endTime":161.31,"body":"and part of that agreement is"},{"speaker":"Unknown","startTime":156.67000000000002,"endTime":161.31,"body":"that you now have to structure"},{"speaker":"Unknown","startTime":161.31,"endTime":166.05,"body":"your practice and the way you"},{"speaker":"Unknown","startTime":161.31,"endTime":166.05,"body":"practice around the rules of a"},{"speaker":"Unknown","startTime":166.05,"endTime":171.99,"body":"third party and your decisions"},{"speaker":"Unknown","startTime":166.05,"endTime":171.99,"body":"in your business now, most of"},{"speaker":"Unknown","startTime":171.99,"endTime":174.69,"body":"your a lot of your decisions"},{"speaker":"Unknown","startTime":171.99,"endTime":174.69,"body":"now, must be checked against"},{"speaker":"Unknown","startTime":174.69,"endTime":177.93,"body":"this third party to ensure that"},{"speaker":"Unknown","startTime":174.69,"endTime":177.93,"body":"you're not breaking any of their"},{"speaker":"Unknown","startTime":177.93,"endTime":182.39,"body":"rules and even the decisions"},{"speaker":"Unknown","startTime":177.93,"endTime":182.39,"body":"that have to do with non"},{"speaker":"Unknown","startTime":182.39,"endTime":185.99,"body":"insurance patients. So this"},{"speaker":"Unknown","startTime":182.39,"endTime":185.99,"body":"affects once you decide to start"},{"speaker":"Unknown","startTime":185.99,"endTime":190.31,"body":"playing the game and you've"},{"speaker":"Unknown","startTime":185.99,"endTime":190.31,"body":"entered into it, your whole"},{"speaker":"Unknown","startTime":190.31,"endTime":195.82999999999998,"body":"practice is affected, okay, in"},{"speaker":"Unknown","startTime":190.31,"endTime":195.82999999999998,"body":"one way or another. So I'm going"},{"speaker":"Unknown","startTime":195.82999999999998,"endTime":200.82999999999998,"body":"to go through some pros and cons"},{"speaker":"Unknown","startTime":195.82999999999998,"endTime":200.82999999999998,"body":"of taking insurance based of my"},{"speaker":"Unknown","startTime":200.89,"endTime":206.23000000000002,"body":"own experience. Okay, so some of"},{"speaker":"Unknown","startTime":200.89,"endTime":206.23000000000002,"body":"the pros, the obvious is that it"},{"speaker":"Unknown","startTime":206.23000000000002,"endTime":209.70999999999998,"body":"gives you exposure, right? It's"},{"speaker":"Unknown","startTime":206.23000000000002,"endTime":209.70999999999998,"body":"like free advertising. It's not"},{"speaker":"Unknown","startTime":209.70999999999998,"endTime":213.91000000000003,"body":"like free as it is free"},{"speaker":"Unknown","startTime":209.70999999999998,"endTime":213.91000000000003,"body":"advertising. Okay, so you know"},{"speaker":"Unknown","startTime":213.97000000000003,"endTime":218.29000000000002,"body":"when you go in network with an"},{"speaker":"Unknown","startTime":213.97000000000003,"endTime":218.29000000000002,"body":"insurance company, you now are"},{"speaker":"Unknown","startTime":218.41000000000003,"endTime":222.39,"body":"listed on their panel of in"},{"speaker":"Unknown","startTime":218.41000000000003,"endTime":222.39,"body":"network providers. And so when a"},{"speaker":"Unknown","startTime":222.39,"endTime":227.07,"body":"patient who has insurance, of"},{"speaker":"Unknown","startTime":222.39,"endTime":227.07,"body":"course, naturally, they're going"},{"speaker":"Unknown","startTime":227.07,"endTime":233.07,"body":"to want to see a provider that's"},{"speaker":"Unknown","startTime":227.07,"endTime":233.07,"body":"in their network. Ideally, or"},{"speaker":"Unknown","startTime":233.07,"endTime":235.29000000000002,"body":"sometimes, they don't have a"},{"speaker":"Unknown","startTime":233.07,"endTime":235.29000000000002,"body":"choice. They have to only see in"},{"speaker":"Unknown","startTime":235.29000000000002,"endTime":239.63,"body":"network providers. So they go on"},{"speaker":"Unknown","startTime":235.29000000000002,"endTime":239.63,"body":"their website and they look up"},{"speaker":"Unknown","startTime":239.63,"endTime":242.39,"body":"for acupuncturists, and they'll"},{"speaker":"Unknown","startTime":239.63,"endTime":242.39,"body":"pick someone, you know, there"},{"speaker":"Unknown","startTime":242.39,"endTime":246.23000000000002,"body":"might be a whole list of"},{"speaker":"Unknown","startTime":242.39,"endTime":246.23000000000002,"body":"different people, different"},{"speaker":"Unknown","startTime":246.23000000000002,"endTime":249.41000000000003,"body":"providers, and they'll pick"},{"speaker":"Unknown","startTime":246.23000000000002,"endTime":249.41000000000003,"body":"someone you know, usually based"},{"speaker":"Unknown","startTime":249.41000000000003,"endTime":252.52999999999997,"body":"off of convenience, if their"},{"speaker":"Unknown","startTime":249.41000000000003,"endTime":252.52999999999997,"body":"address is close to their work,"},{"speaker":"Unknown","startTime":252.58999999999997,"endTime":255.82999999999998,"body":"or if it's close to their home,"},{"speaker":"Unknown","startTime":252.58999999999997,"endTime":255.82999999999998,"body":"or something like that. You"},{"speaker":"Unknown","startTime":255.82999999999998,"endTime":258.37,"body":"know, they may click on your"},{"speaker":"Unknown","startTime":255.82999999999998,"endTime":258.37,"body":"website and do a little"},{"speaker":"Unknown","startTime":258.37,"endTime":261.67,"body":"comparison shopping, just to"},{"speaker":"Unknown","startTime":258.37,"endTime":261.67,"body":"see, you know, which"},{"speaker":"Unknown","startTime":261.67,"endTime":264.19,"body":"practitioner they like, but this"},{"speaker":"Unknown","startTime":261.67,"endTime":264.19,"body":"is how they're finding you"},{"speaker":"Unknown","startTime":264.19,"endTime":265.81,"body":"initially, right? They're"},{"speaker":"Unknown","startTime":264.19,"endTime":265.81,"body":"finding you through the"},{"speaker":"Unknown","startTime":265.81,"endTime":271.57,"body":"insurance panel. So it is, it's"},{"speaker":"Unknown","startTime":265.81,"endTime":271.57,"body":"like free advertising. And also,"},{"speaker":"Unknown","startTime":271.63,"endTime":274.99,"body":"you know, outside of that, it"},{"speaker":"Unknown","startTime":271.63,"endTime":274.99,"body":"just, you know, it brings more"},{"speaker":"Unknown","startTime":274.99,"endTime":278.13,"body":"people in your door, which means"},{"speaker":"Unknown","startTime":274.99,"endTime":278.13,"body":"now there's a lot a higher"},{"speaker":"Unknown","startTime":278.13,"endTime":283.11,"body":"opportunity for you to do more"},{"speaker":"Unknown","startTime":278.13,"endTime":283.11,"body":"internal marketing, so that can"},{"speaker":"Unknown","startTime":283.11,"endTime":286.34999999999997,"body":"be referrals, word of mouth,"},{"speaker":"Unknown","startTime":283.11,"endTime":286.34999999999997,"body":"things like that. I definitely"},{"speaker":"Unknown","startTime":286.34999999999997,"endTime":290.49,"body":"got plenty of referrals from my"},{"speaker":"Unknown","startTime":286.34999999999997,"endTime":290.49,"body":"insurance patients. They"},{"speaker":"Unknown","startTime":290.49,"endTime":295.89,"body":"referred friends or family or"},{"speaker":"Unknown","startTime":290.49,"endTime":295.89,"body":"colleagues to me who didn't have"},{"speaker":"Unknown","startTime":295.89,"endTime":298.72999999999996,"body":"insurance. So you know, my"},{"speaker":"Unknown","startTime":295.89,"endTime":298.72999999999996,"body":"insurance patients sometimes"},{"speaker":"Unknown","startTime":298.72999999999996,"endTime":302.15,"body":"would refer cash paying patients"},{"speaker":"Unknown","startTime":298.72999999999996,"endTime":302.15,"body":"to me, and that's just, you"},{"speaker":"Unknown","startTime":302.15,"endTime":305.27,"body":"know, again, it gives you an"},{"speaker":"Unknown","startTime":302.15,"endTime":305.27,"body":"opportunity to get people in the"},{"speaker":"Unknown","startTime":305.27,"endTime":308.69,"body":"door. And now you can really use"},{"speaker":"Unknown","startTime":305.27,"endTime":308.69,"body":"more of if you have a strong"},{"speaker":"Unknown","startTime":308.69,"endTime":315.11,"body":"internal marketing system now"},{"speaker":"Unknown","startTime":308.69,"endTime":315.11,"body":"you have them there. Another"},{"speaker":"Unknown","startTime":315.11,"endTime":320.16999999999996,"body":"pro, it does create a lower."},{"speaker":"Unknown","startTime":315.11,"endTime":320.16999999999996,"body":"Financial barrier for patients,"},{"speaker":"Unknown","startTime":320.77,"endTime":323.28999999999996,"body":"because most insurance"},{"speaker":"Unknown","startTime":320.77,"endTime":323.28999999999996,"body":"companies, you'll either the"},{"speaker":"Unknown","startTime":323.28999999999996,"endTime":327.66999999999996,"body":"patient's either paying a co pay"},{"speaker":"Unknown","startTime":323.28999999999996,"endTime":327.66999999999996,"body":"or a co insurance somewhere,"},{"speaker":"Unknown","startTime":327.66999999999996,"endTime":331.81,"body":"anywhere from like $10 to $30"},{"speaker":"Unknown","startTime":327.66999999999996,"endTime":331.81,"body":"sometimes I saw ones that were"},{"speaker":"Unknown","startTime":331.81,"endTime":336.72999999999996,"body":"like $50 which was like, okay,"},{"speaker":"Unknown","startTime":331.81,"endTime":336.72999999999996,"body":"but um, seemed a little high,"},{"speaker":"Unknown","startTime":336.72999999999996,"endTime":339.33,"body":"but it was what it was. Or"},{"speaker":"Unknown","startTime":336.72999999999996,"endTime":339.33,"body":"sometimes there's known like"},{"speaker":"Unknown","startTime":339.33,"endTime":342.81,"body":"there's no CO payment, no"},{"speaker":"Unknown","startTime":339.33,"endTime":342.81,"body":"coinsurance. And so it does"},{"speaker":"Unknown","startTime":342.81,"endTime":346.71,"body":"create this lower financial"},{"speaker":"Unknown","startTime":342.81,"endTime":346.71,"body":"barrier for patients to and more"},{"speaker":"Unknown","startTime":346.77,"endTime":350.19,"body":"theoretically, more access to"},{"speaker":"Unknown","startTime":346.77,"endTime":350.19,"body":"those who can't afford it"},{"speaker":"Unknown","startTime":350.49,"endTime":351.27,"body":"otherwise,"},{"speaker":"Unknown","startTime":352.53,"endTime":358.07,"body":"which is can be debatable, but"},{"speaker":"Unknown","startTime":352.53,"endTime":358.07,"body":"still does provide a lower"},{"speaker":"Unknown","startTime":358.07,"endTime":362.27,"body":"financial barrier, whether they"},{"speaker":"Unknown","startTime":358.07,"endTime":362.27,"body":"need it or not. So those are"},{"speaker":"Unknown","startTime":362.27,"endTime":367.31,"body":"some of the pros of taking"},{"speaker":"Unknown","startTime":362.27,"endTime":367.31,"body":"insurance. Now some of the cons,"},{"speaker":"Unknown","startTime":367.37,"endTime":372.34999999999997,"body":"in my experience, one of them"},{"speaker":"Unknown","startTime":367.37,"endTime":372.34999999999997,"body":"being the pain. I'm calling this"},{"speaker":"Unknown","startTime":372.34999999999997,"endTime":376.55,"body":"the payment at time of service"},{"speaker":"Unknown","startTime":372.34999999999997,"endTime":376.55,"body":"dance, and this is so for those"},{"speaker":"Unknown","startTime":376.55,"endTime":379.45,"body":"of you who don't take insurance,"},{"speaker":"Unknown","startTime":376.55,"endTime":379.45,"body":"or about or thinking about"},{"speaker":"Unknown","startTime":379.45,"endTime":385.15,"body":"taking insurance. So when you"},{"speaker":"Unknown","startTime":379.45,"endTime":385.15,"body":"take insurance, whatever you are"},{"speaker":"Unknown","startTime":385.15,"endTime":389.40999999999997,"body":"billing the insurance company"},{"speaker":"Unknown","startTime":385.15,"endTime":389.40999999999997,"body":"that is now your your standard"},{"speaker":"Unknown","startTime":389.40999999999997,"endTime":393.66999999999996,"body":"rate. And a strategy that many"},{"speaker":"Unknown","startTime":389.40999999999997,"endTime":393.66999999999996,"body":"people use to ensure that they"},{"speaker":"Unknown","startTime":393.66999999999996,"endTime":397.93,"body":"receive as much reimbursement as"},{"speaker":"Unknown","startTime":393.66999999999996,"endTime":397.93,"body":"possible is they raise their"},{"speaker":"Unknown","startTime":397.93,"endTime":402.27,"body":"standard rate. So and this is"},{"speaker":"Unknown","startTime":397.93,"endTime":402.27,"body":"because an insurance company"},{"speaker":"Unknown","startTime":402.27,"endTime":405.81,"body":"will not reimburse you for more"},{"speaker":"Unknown","startTime":402.27,"endTime":405.81,"body":"than what you would normally"},{"speaker":"Unknown","startTime":405.81,"endTime":412.22999999999996,"body":"charge a non insurance patient."},{"speaker":"Unknown","startTime":405.81,"endTime":412.22999999999996,"body":"So let's say, for example, for"},{"speaker":"Unknown","startTime":412.22999999999996,"endTime":415.65,"body":"and with easy math and numbers,"},{"speaker":"Unknown","startTime":412.22999999999996,"endTime":415.65,"body":"let's say you normally charge"},{"speaker":"Unknown","startTime":415.95,"endTime":420.83,"body":"$100 for a treatment your"},{"speaker":"Unknown","startTime":415.95,"endTime":420.83,"body":"patient's insurance Max"},{"speaker":"Unknown","startTime":420.83,"endTime":422.33,"body":"reimbursement is 120"},{"speaker":"Unknown","startTime":423.89,"endTime":426.11,"body":"now you cannot bill the"},{"speaker":"Unknown","startTime":423.89,"endTime":426.11,"body":"insurance company $120"},{"speaker":"Unknown","startTime":427.13,"endTime":431.33,"body":"because that is above what you"},{"speaker":"Unknown","startTime":427.13,"endTime":431.33,"body":"would normally charge. So a"},{"speaker":"Unknown","startTime":431.33,"endTime":435.95,"body":"strategy that people will use is"},{"speaker":"Unknown","startTime":431.33,"endTime":435.95,"body":"they raise their standard fee to"},{"speaker":"Unknown","startTime":435.95,"endTime":438.61,"body":"and I'm going to use this for"},{"speaker":"Unknown","startTime":435.95,"endTime":438.61,"body":"this example. So raise the"},{"speaker":"Unknown","startTime":438.61,"endTime":443.77,"body":"standard fee now from 100 to"},{"speaker":"Unknown","startTime":438.61,"endTime":443.77,"body":"$200 a treatment, so that when"},{"speaker":"Unknown","startTime":443.77,"endTime":448.15,"body":"they build the insurance company"},{"speaker":"Unknown","startTime":443.77,"endTime":448.15,"body":"$200 they will be reimbursed the"},{"speaker":"Unknown","startTime":448.15,"endTime":453.55,"body":"max amount of 120 because what"},{"speaker":"Unknown","startTime":448.15,"endTime":453.55,"body":"they build is higher than what"},{"speaker":"Unknown","startTime":453.55,"endTime":456.61,"body":"the companies the insurance"},{"speaker":"Unknown","startTime":453.55,"endTime":456.61,"body":"companies Max is,"},{"speaker":"Unknown","startTime":457.63,"endTime":460.16999999999996,"body":"if you know you charge,"},{"speaker":"Unknown","startTime":460.22999999999996,"endTime":463.65,"body":"if they build the insurance"},{"speaker":"Unknown","startTime":460.22999999999996,"endTime":463.65,"body":"company, $100 then they'll just"},{"speaker":"Unknown","startTime":463.65,"endTime":468.69,"body":"get paid $100 they won't get"},{"speaker":"Unknown","startTime":463.65,"endTime":468.69,"body":"paid 120 because they will not"},{"speaker":"Unknown","startTime":469.28999999999996,"endTime":474.93,"body":"they won't pay out more than"},{"speaker":"Unknown","startTime":469.28999999999996,"endTime":474.93,"body":"what you Bill, right? But for"},{"speaker":"Unknown","startTime":474.93,"endTime":478.61,"body":"your non insurance patients, in"},{"speaker":"Unknown","startTime":474.93,"endTime":478.61,"body":"this example, let's say that you"},{"speaker":"Unknown","startTime":478.61,"endTime":481.84999999999997,"body":"don't want to charge them $200"},{"speaker":"Unknown","startTime":478.61,"endTime":481.84999999999997,"body":"or treatment for whatever"},{"speaker":"Unknown","startTime":481.84999999999997,"endTime":487.66999999999996,"body":"reason, right? So you give them"},{"speaker":"Unknown","startTime":481.84999999999997,"endTime":487.66999999999996,"body":"a time of service discount,"},{"speaker":"Unknown","startTime":487.78999999999996,"endTime":492.40999999999997,"body":"which means patients who are"},{"speaker":"Unknown","startTime":487.78999999999996,"endTime":492.40999999999997,"body":"paying out of pocket can receive"},{"speaker":"Unknown","startTime":492.40999999999997,"endTime":496.19,"body":"a time of service discount if"},{"speaker":"Unknown","startTime":492.40999999999997,"endTime":496.19,"body":"they pay at the time of service,"},{"speaker":"Unknown","startTime":496.25,"endTime":499.87,"body":"meaning they pay on the same day"},{"speaker":"Unknown","startTime":496.25,"endTime":499.87,"body":"that they get treated, which is"},{"speaker":"Unknown","startTime":499.87,"endTime":503.40999999999997,"body":"typically what most people do,"},{"speaker":"Unknown","startTime":499.87,"endTime":503.40999999999997,"body":"right? If you're paying, you"},{"speaker":"Unknown","startTime":503.40999999999997,"endTime":509.11,"body":"know, charging people per"},{"speaker":"Unknown","startTime":503.40999999999997,"endTime":509.11,"body":"treatment like that now, and the"},{"speaker":"Unknown","startTime":509.11,"endTime":515.11,"body":"time of service discount in this"},{"speaker":"Unknown","startTime":509.11,"endTime":515.11,"body":"example is $100 so the patient"},{"speaker":"Unknown","startTime":515.11,"endTime":521.5500000000001,"body":"gets a $100 discount on the $200"},{"speaker":"Unknown","startTime":515.11,"endTime":521.5500000000001,"body":"service the insurance company"},{"speaker":"Unknown","startTime":521.5500000000001,"endTime":525.27,"body":"does not get does not qualify"},{"speaker":"Unknown","startTime":521.5500000000001,"endTime":525.27,"body":"for this time of service"},{"speaker":"Unknown","startTime":525.27,"endTime":529.11,"body":"discount because they do not pay"},{"speaker":"Unknown","startTime":525.27,"endTime":529.11,"body":"at the time of service. They"},{"speaker":"Unknown","startTime":529.11,"endTime":534.81,"body":"distribute payment at a later"},{"speaker":"Unknown","startTime":529.11,"endTime":534.81,"body":"date. So now there's this dance"},{"speaker":"Unknown","startTime":534.81,"endTime":539.87,"body":"of semantics at play here that"},{"speaker":"Unknown","startTime":534.81,"endTime":539.87,"body":"is perfectly acceptable, but it"},{"speaker":"Unknown","startTime":539.87,"endTime":543.9499999999999,"body":"just adds this extra layer of"},{"speaker":"Unknown","startTime":539.87,"endTime":543.9499999999999,"body":"consideration and explanation"},{"speaker":"Unknown","startTime":543.9499999999999,"endTime":547.37,"body":"that is necessary if you want to"},{"speaker":"Unknown","startTime":543.9499999999999,"endTime":547.37,"body":"get paid what you want or get"},{"speaker":"Unknown","startTime":547.37,"endTime":553.01,"body":"paid as close as possible to"},{"speaker":"Unknown","startTime":547.37,"endTime":553.01,"body":"what you want. Another con of"},{"speaker":"Unknown","startTime":553.0699999999999,"endTime":557.81,"body":"insurance is that it doesn't"},{"speaker":"Unknown","startTime":553.0699999999999,"endTime":557.81,"body":"cover every diagnosis. Each"},{"speaker":"Unknown","startTime":558.05,"endTime":561.25,"body":"insurance company has their own"},{"speaker":"Unknown","startTime":558.05,"endTime":561.25,"body":"list of diagnosis codes that"},{"speaker":"Unknown","startTime":561.25,"endTime":565.39,"body":"they will cover for acupuncture."},{"speaker":"Unknown","startTime":561.25,"endTime":565.39,"body":"So it's not like you can take a"},{"speaker":"Unknown","startTime":565.39,"endTime":569.05,"body":"patient and they have whatever"},{"speaker":"Unknown","startTime":565.39,"endTime":569.05,"body":"condition that they have or"},{"speaker":"Unknown","startTime":569.11,"endTime":573.43,"body":"whatever problem or complaint"},{"speaker":"Unknown","startTime":569.11,"endTime":573.43,"body":"that they have, and that every"},{"speaker":"Unknown","startTime":573.79,"endTime":577.27,"body":"insurance company is going to"},{"speaker":"Unknown","startTime":573.79,"endTime":577.27,"body":"cover that usually they have."},{"speaker":"Unknown","startTime":577.5699999999999,"endTime":582.75,"body":"Very often, it's pretty limited"},{"speaker":"Unknown","startTime":577.5699999999999,"endTime":582.75,"body":"to pain, different types of pain"},{"speaker":"Unknown","startTime":582.75,"endTime":587.55,"body":"codes. And you know, again, it"},{"speaker":"Unknown","startTime":582.75,"endTime":587.55,"body":"depends on the insurance"},{"speaker":"Unknown","startTime":587.55,"endTime":591.39,"body":"company. Some pay for more stuff"},{"speaker":"Unknown","startTime":587.55,"endTime":591.39,"body":"than others, but pain is usually"},{"speaker":"Unknown","startTime":591.87,"endTime":594.75,"body":"something that most insurance"},{"speaker":"Unknown","startTime":591.87,"endTime":594.75,"body":"companies will pay for."},{"speaker":"Unknown","startTime":597.39,"endTime":599.21,"body":"The other con that"},{"speaker":"Unknown","startTime":599.27,"endTime":601.85,"body":"is probably the biggest"},{"speaker":"Unknown","startTime":599.27,"endTime":601.85,"body":"complaint amongst people who are"},{"speaker":"Unknown","startTime":601.85,"endTime":606.11,"body":"billing insurance is the low"},{"speaker":"Unknown","startTime":601.85,"endTime":606.11,"body":"reimbursement. Some of the"},{"speaker":"Unknown","startTime":606.11,"endTime":609.53,"body":"reimbursement out there, it can"},{"speaker":"Unknown","startTime":606.11,"endTime":609.53,"body":"be pretty all right, but a lot"},{"speaker":"Unknown","startTime":609.53,"endTime":613.49,"body":"of the reimbursement can be"},{"speaker":"Unknown","startTime":609.53,"endTime":613.49,"body":"pretty bad, you know, I see on,"},{"speaker":"Unknown","startTime":613.49,"endTime":616.13,"body":"you know, social media groups"},{"speaker":"Unknown","startTime":613.49,"endTime":616.13,"body":"people complaining about"},{"speaker":"Unknown","startTime":616.85,"endTime":621.91,"body":"reimbursement as low. Was like"},{"speaker":"Unknown","startTime":616.85,"endTime":621.91,"body":"$20 or, you know, $30 and that's"},{"speaker":"Unknown","startTime":621.91,"endTime":626.89,"body":"like per treatment, and that's"},{"speaker":"Unknown","startTime":621.91,"endTime":626.89,"body":"just unsustainable. And in the"},{"speaker":"Unknown","startTime":626.89,"endTime":630.37,"body":"thing is, Another con is that"},{"speaker":"Unknown","startTime":626.89,"endTime":630.37,"body":"reimbursement, it can change at"},{"speaker":"Unknown","startTime":630.37,"endTime":634.87,"body":"any time. So you know, your"},{"speaker":"Unknown","startTime":630.37,"endTime":634.87,"body":"insurance company can decide the"},{"speaker":"Unknown","startTime":634.87,"endTime":638.79,"body":"next year that they're put out"},{"speaker":"Unknown","startTime":634.87,"endTime":638.79,"body":"their new fee schedule, and it's"},{"speaker":"Unknown","startTime":638.79,"endTime":644.73,"body":"going to be lower, and you as a"},{"speaker":"Unknown","startTime":638.79,"endTime":644.73,"body":"provider have no negotiating"},{"speaker":"Unknown","startTime":644.73,"endTime":646.05,"body":"power over this."},{"speaker":"Unknown","startTime":648.09,"endTime":648.93,"body":"Another con"},{"speaker":"Unknown","startTime":649.289,"endTime":653.8489999999999,"body":"is the slow reimbursement, so"},{"speaker":"Unknown","startTime":649.289,"endTime":653.8489999999999,"body":"the time it takes to be in"},{"speaker":"Unknown","startTime":653.8489999999999,"endTime":656.729,"body":"reimbursed, and so insurance"},{"speaker":"Unknown","startTime":653.8489999999999,"endTime":656.729,"body":"companies, most insurance"},{"speaker":"Unknown","startTime":656.729,"endTime":665.689,"body":"companies, are required to pay"},{"speaker":"Unknown","startTime":656.729,"endTime":665.689,"body":"out by 30 days. Okay, so you"},{"speaker":"Unknown","startTime":665.689,"endTime":669.289,"body":"could be waiting. You're usually"},{"speaker":"Unknown","startTime":665.689,"endTime":669.289,"body":"waiting about a month before you"},{"speaker":"Unknown","startTime":669.289,"endTime":676.669,"body":"get paid for for a patient, for"},{"speaker":"Unknown","startTime":669.289,"endTime":676.669,"body":"a claim, and another con, is the"},{"speaker":"Unknown","startTime":676.669,"endTime":681.369,"body":"time it takes to submit claims"},{"speaker":"Unknown","startTime":676.669,"endTime":681.369,"body":"and to follow up on unpaid or"},{"speaker":"Unknown","startTime":681.369,"endTime":685.449,"body":"denied claims, if you don't, and"},{"speaker":"Unknown","startTime":681.369,"endTime":685.449,"body":"if you decide to not do it"},{"speaker":"Unknown","startTime":685.449,"endTime":688.509,"body":"yourself and hire a biller, then"},{"speaker":"Unknown","startTime":685.449,"endTime":688.509,"body":"you're paying that bill or"},{"speaker":"Unknown","startTime":688.569,"endTime":693.429,"body":"either a cut or a percentage of"},{"speaker":"Unknown","startTime":688.569,"endTime":693.429,"body":"your reimbursement. So if that"},{"speaker":"Unknown","startTime":693.489,"endTime":697.809,"body":"reimbursement is really low to"},{"speaker":"Unknown","startTime":693.489,"endTime":697.809,"body":"begin with, now you're already"},{"speaker":"Unknown","startTime":697.809,"endTime":701.009,"body":"you're taking more off the top"},{"speaker":"Unknown","startTime":697.809,"endTime":701.009,"body":"in order to pay your biller."},{"speaker":"Unknown","startTime":701.489,"endTime":707.069,"body":"Okay, another one is your SOAP"},{"speaker":"Unknown","startTime":701.489,"endTime":707.069,"body":"Notes must now be in a format"},{"speaker":"Unknown","startTime":707.069,"endTime":709.889,"body":"that you were that if you were"},{"speaker":"Unknown","startTime":707.069,"endTime":709.889,"body":"to be audited, or if the"},{"speaker":"Unknown","startTime":709.889,"endTime":713.069,"body":"insurance company asked for your"},{"speaker":"Unknown","startTime":709.889,"endTime":713.069,"body":"treatment notes, it will. It now"},{"speaker":"Unknown","startTime":713.069,"endTime":715.709,"body":"shows, it has to be formatted in"},{"speaker":"Unknown","startTime":713.069,"endTime":715.709,"body":"such a way that shows the"},{"speaker":"Unknown","startTime":715.709,"endTime":719.569,"body":"timestamps of when the needles"},{"speaker":"Unknown","startTime":715.709,"endTime":719.569,"body":"were inserted and reinserted."},{"speaker":"Unknown","startTime":719.869,"endTime":725.809,"body":"Okay? Basically someone is"},{"speaker":"Unknown","startTime":719.869,"endTime":725.809,"body":"always watching, right? Maybe"},{"speaker":"Unknown","startTime":725.809,"endTime":729.229,"body":"not literally every day"},{"speaker":"Unknown","startTime":725.809,"endTime":729.229,"body":"watching, but more or less"},{"speaker":"Unknown","startTime":729.229,"endTime":732.649,"body":"someone is always watching"},{"speaker":"Unknown","startTime":729.229,"endTime":732.649,"body":"because an insurance company has"},{"speaker":"Unknown","startTime":732.649,"endTime":738.669,"body":"the right to request notes at"},{"speaker":"Unknown","startTime":732.649,"endTime":738.669,"body":"any time and and that's just how"},{"speaker":"Unknown","startTime":738.669,"endTime":742.749,"body":"it is right to make sure. I know"},{"speaker":"Unknown","startTime":738.669,"endTime":742.749,"body":"also that a lot of insurance"},{"speaker":"Unknown","startTime":742.749,"endTime":749.049,"body":"companies, they do, hire people"},{"speaker":"Unknown","startTime":742.749,"endTime":749.049,"body":"who are either acupuncturists to"},{"speaker":"Unknown","startTime":749.409,"endTime":753.129,"body":"to review charts, to review"},{"speaker":"Unknown","startTime":749.409,"endTime":753.129,"body":"people's notes, to make sure"},{"speaker":"Unknown","startTime":753.129,"endTime":757.689,"body":"that they're billing diagnosis"},{"speaker":"Unknown","startTime":753.129,"endTime":757.689,"body":"codes that make sense and number"},{"speaker":"Unknown","startTime":757.689,"endTime":764.369,"body":"of needle insertions that make"},{"speaker":"Unknown","startTime":757.689,"endTime":764.369,"body":"sense. So now, some of the what"},{"speaker":"Unknown","startTime":764.369,"endTime":768.509,"body":"I'm calling unintended"},{"speaker":"Unknown","startTime":764.369,"endTime":768.509,"body":"behavioral consequences that"},{"speaker":"Unknown","startTime":769.049,"endTime":774.389,"body":"I've noticed have arisen from"},{"speaker":"Unknown","startTime":769.049,"endTime":774.389,"body":"people who are taking insurance."},{"speaker":"Unknown","startTime":774.869,"endTime":778.049,"body":"These are kind of a mishmash of"},{"speaker":"Unknown","startTime":774.869,"endTime":778.049,"body":"ones that I've experienced"},{"speaker":"Unknown","startTime":778.049,"endTime":784.369,"body":"myself and ones that I am, I'm"},{"speaker":"Unknown","startTime":778.049,"endTime":784.369,"body":"kind of seeing out there in the"},{"speaker":"Unknown","startTime":784.609,"endTime":787.669,"body":"Chinese medicine world of people"},{"speaker":"Unknown","startTime":784.609,"endTime":787.669,"body":"who are billing insurance. So"},{"speaker":"Unknown","startTime":787.789,"endTime":791.869,"body":"some unintended behavioral"},{"speaker":"Unknown","startTime":787.789,"endTime":791.869,"body":"consequences are there's now"},{"speaker":"Unknown","startTime":791.869,"endTime":797.509,"body":"like a temptation to bill more"},{"speaker":"Unknown","startTime":791.869,"endTime":797.509,"body":"codes to increase reimbursement,"},{"speaker":"Unknown","startTime":798.109,"endTime":802.929,"body":"especially if reimbursement is"},{"speaker":"Unknown","startTime":798.109,"endTime":802.929,"body":"low. So kind of padding it a bit"},{"speaker":"Unknown","startTime":802.989,"endTime":807.189,"body":"to increase the reimbursement,"},{"speaker":"Unknown","startTime":802.989,"endTime":807.189,"body":"and finding ways to, you know,"},{"speaker":"Unknown","startTime":807.189,"endTime":810.249,"body":"beat the system, whatever that"},{"speaker":"Unknown","startTime":807.189,"endTime":810.249,"body":"means for some people, but"},{"speaker":"Unknown","startTime":810.309,"endTime":814.629,"body":"finding ways to beat the system"},{"speaker":"Unknown","startTime":810.309,"endTime":814.629,"body":"to increase reimbursement. And"},{"speaker":"Unknown","startTime":814.629,"endTime":819.0889999999999,"body":"unfortunately, you know, some"},{"speaker":"Unknown","startTime":814.629,"endTime":819.0889999999999,"body":"people will adopt some dishonest"},{"speaker":"Unknown","startTime":819.0889999999999,"endTime":825.029,"body":"practices and then justify them"},{"speaker":"Unknown","startTime":819.0889999999999,"endTime":825.029,"body":"because the system is broken, or"},{"speaker":"Unknown","startTime":825.029,"endTime":828.149,"body":"they think the insurance company"},{"speaker":"Unknown","startTime":825.029,"endTime":828.149,"body":"is low balling them and that"},{"speaker":"Unknown","startTime":828.149,"endTime":831.569,"body":"they deserve more, which is, you"},{"speaker":"Unknown","startTime":828.149,"endTime":831.569,"body":"know what? It's true, you do"},{"speaker":"Unknown","startTime":831.569,"endTime":836.189,"body":"deserve more, but again, this is"},{"speaker":"Unknown","startTime":831.569,"endTime":836.189,"body":"the game that you have agreed to"},{"speaker":"Unknown","startTime":836.189,"endTime":842.389,"body":"play, and overall, kind of a"},{"speaker":"Unknown","startTime":836.189,"endTime":842.389,"body":"stretching of the truth to make"},{"speaker":"Unknown","startTime":842.389,"endTime":848.0889999999999,"body":"a diagnosis code fit. I see this"},{"speaker":"Unknown","startTime":842.389,"endTime":848.0889999999999,"body":"a lot on social media groups"},{"speaker":"Unknown","startTime":849.109,"endTime":855.049,"body":"like for example, if you have a"},{"speaker":"Unknown","startTime":849.109,"endTime":855.049,"body":"patient that has a painful skin"},{"speaker":"Unknown","startTime":855.049,"endTime":861.789,"body":"condition on their scalp, then"},{"speaker":"Unknown","startTime":855.049,"endTime":861.789,"body":"it is being billed as a headache"},{"speaker":"Unknown","startTime":861.909,"endTime":867.309,"body":"because there is an ache on the"},{"speaker":"Unknown","startTime":861.909,"endTime":867.309,"body":"head. That is quite a stretch."},{"speaker":"Unknown","startTime":868.269,"endTime":872.709,"body":"And if this person was ever"},{"speaker":"Unknown","startTime":868.269,"endTime":872.709,"body":"audited it, they probably would"},{"speaker":"Unknown","startTime":872.709,"endTime":878.729,"body":"not fly so. And now another"},{"speaker":"Unknown","startTime":872.709,"endTime":878.729,"body":"unintended consequence of this,"},{"speaker":"Unknown","startTime":878.789,"endTime":882.389,"body":"of just kind of insurance"},{"speaker":"Unknown","startTime":878.789,"endTime":882.389,"body":"covering acupuncture in general,"},{"speaker":"Unknown","startTime":883.169,"endTime":887.069,"body":"is that it commoditizes"},{"speaker":"Unknown","startTime":883.169,"endTime":887.069,"body":"acupuncture, because in the"},{"speaker":"Unknown","startTime":887.069,"endTime":891.029,"body":"insurance world, acupuncture is"},{"speaker":"Unknown","startTime":887.069,"endTime":891.029,"body":"identified by insurance"},{"speaker":"Unknown","startTime":891.029,"endTime":895.289,"body":"companies using procedure codes,"},{"speaker":"Unknown","startTime":891.029,"endTime":895.289,"body":"and each code has been assigned"},{"speaker":"Unknown","startTime":895.3489999999999,"endTime":899.989,"body":"a fee schedule, and the value of"},{"speaker":"Unknown","startTime":895.3489999999999,"endTime":899.989,"body":"acupuncture now lies in the"},{"speaker":"Unknown","startTime":899.989,"endTime":904.189,"body":"price per code instead of the"},{"speaker":"Unknown","startTime":899.989,"endTime":904.189,"body":"outcome or the result of the"},{"speaker":"Unknown","startTime":904.189,"endTime":908.929,"body":"treatment, which means you can"},{"speaker":"Unknown","startTime":904.189,"endTime":908.929,"body":"be a 30 year seasoned"},{"speaker":"Unknown","startTime":908.929,"endTime":912.649,"body":"practitioner with highly"},{"speaker":"Unknown","startTime":908.929,"endTime":912.649,"body":"specialized training, or you can"},{"speaker":"Unknown","startTime":912.649,"endTime":916.429,"body":"have a first year general"},{"speaker":"Unknown","startTime":912.649,"endTime":916.429,"body":"practitioner, and they both get"},{"speaker":"Unknown","startTime":916.429,"endTime":919.989,"body":"paid the same so. Okay, and in"},{"speaker":"Unknown","startTime":916.429,"endTime":919.989,"body":"the end, actually, the more"},{"speaker":"Unknown","startTime":919.989,"endTime":924.609,"body":"seasoned practitioner may"},{"speaker":"Unknown","startTime":919.989,"endTime":924.609,"body":"actually get paid less overall"},{"speaker":"Unknown","startTime":924.609,"endTime":929.049,"body":"per patient because their skill"},{"speaker":"Unknown","startTime":924.609,"endTime":929.049,"body":"level is so good that they"},{"speaker":"Unknown","startTime":929.049,"endTime":932.5889999999999,"body":"graduate the patient in fewer"},{"speaker":"Unknown","startTime":929.049,"endTime":932.5889999999999,"body":"treatments than the new"},{"speaker":"Unknown","startTime":932.5889999999999,"endTime":935.5889999999999,"body":"practitioner. So, you know,"},{"speaker":"Unknown","startTime":932.5889999999999,"endTime":935.5889999999999,"body":"think about that. That's"},{"speaker":"Unknown","startTime":935.769,"endTime":940.409,"body":"interesting. Now, a few kind of"},{"speaker":"Unknown","startTime":935.769,"endTime":940.409,"body":"mindset, things here that I want"},{"speaker":"Unknown","startTime":940.409,"endTime":944.309,"body":"to talk about related to billing"},{"speaker":"Unknown","startTime":940.409,"endTime":944.309,"body":"insurance. You know, many of you"},{"speaker":"Unknown","startTime":944.309,"endTime":947.429,"body":"take insurance, but you hate"},{"speaker":"Unknown","startTime":944.309,"endTime":947.429,"body":"insurance companies, and you"},{"speaker":"Unknown","startTime":947.429,"endTime":951.629,"body":"hate the system, and you hate"},{"speaker":"Unknown","startTime":947.429,"endTime":951.629,"body":"the inefficiencies of insurance"},{"speaker":"Unknown","startTime":951.629,"endTime":953.609,"body":"companies that end up creating"},{"speaker":"Unknown","startTime":951.629,"endTime":953.609,"body":"more"},{"speaker":"Unknown","startTime":953.61,"endTime":955.35,"body":"work for you, right?"},{"speaker":"Unknown","startTime":956.49,"endTime":960.47,"body":"If you truly feel this way and"},{"speaker":"Unknown","startTime":956.49,"endTime":960.47,"body":"feel that insurance companies"},{"speaker":"Unknown","startTime":960.47,"endTime":965.51,"body":"are the devil, or you have major"},{"speaker":"Unknown","startTime":960.47,"endTime":965.51,"body":"ethical issues with the"},{"speaker":"Unknown","startTime":965.51,"endTime":968.15,"body":"insurance system, but you're"},{"speaker":"Unknown","startTime":965.51,"endTime":968.15,"body":"still engaging with it in this"},{"speaker":"Unknown","startTime":968.15,"endTime":973.0699999999999,"body":"way, it means that you are"},{"speaker":"Unknown","startTime":968.15,"endTime":973.0699999999999,"body":"operating every single day of"},{"speaker":"Unknown","startTime":973.0699999999999,"endTime":976.85,"body":"your life opposite to your"},{"speaker":"Unknown","startTime":973.0699999999999,"endTime":976.85,"body":"values. You know living in"},{"speaker":"Unknown","startTime":976.85,"endTime":980.59,"body":"incongruence or unaligned is"},{"speaker":"Unknown","startTime":976.85,"endTime":980.59,"body":"what will overwhelm you and"},{"speaker":"Unknown","startTime":980.59,"endTime":984.67,"body":"eventually burn you out. You"},{"speaker":"Unknown","startTime":980.59,"endTime":984.67,"body":"know living every day on a un"},{"speaker":"Unknown","startTime":984.67,"endTime":988.75,"body":"authentically is damaging to"},{"speaker":"Unknown","startTime":984.67,"endTime":988.75,"body":"your mental and your physical"},{"speaker":"Unknown","startTime":988.75,"endTime":993.1899999999999,"body":"health. So in order to prevent"},{"speaker":"Unknown","startTime":988.75,"endTime":993.1899999999999,"body":"that from happening, you have"},{"speaker":"Unknown","startTime":993.1899999999999,"endTime":999.99,"body":"two choices. One is to stop"},{"speaker":"Unknown","startTime":993.1899999999999,"endTime":999.99,"body":"taking insurance. Now, if you're"},{"speaker":"Unknown","startTime":999.99,"endTime":1003.29,"body":"not willing to do that, then"},{"speaker":"Unknown","startTime":999.99,"endTime":1003.29,"body":"your only other option is to"},{"speaker":"Unknown","startTime":1003.29,"endTime":1006.59,"body":"change your attitude, in your"},{"speaker":"Unknown","startTime":1003.29,"endTime":1006.59,"body":"mindset around taking insurance,"},{"speaker":"Unknown","startTime":1006.59,"endTime":1010.73,"body":"because trying to have it both"},{"speaker":"Unknown","startTime":1006.59,"endTime":1010.73,"body":"ways, meaning hating it while"},{"speaker":"Unknown","startTime":1010.73,"endTime":1013.79,"body":"accepting it as a revenue"},{"speaker":"Unknown","startTime":1010.73,"endTime":1013.79,"body":"stream, is going to make your"},{"speaker":"Unknown","startTime":1013.79,"endTime":1016.67,"body":"life miserable, and it's"},{"speaker":"Unknown","startTime":1013.79,"endTime":1016.67,"body":"probably already starting to."},{"speaker":"Unknown","startTime":1018.29,"endTime":1023.23,"body":"Now, many of you want to drop"},{"speaker":"Unknown","startTime":1018.29,"endTime":1023.23,"body":"insurance, but you're afraid to"},{"speaker":"Unknown","startTime":1023.23,"endTime":1028.63,"body":"do it. And some of the reasons"},{"speaker":"Unknown","startTime":1023.23,"endTime":1028.63,"body":"why you're afraid is you think"},{"speaker":"Unknown","startTime":1028.63,"endTime":1032.17,"body":"you'll never make it right. If"},{"speaker":"Unknown","startTime":1028.63,"endTime":1032.17,"body":"you, you know, if you, if you"},{"speaker":"Unknown","startTime":1032.17,"endTime":1035.05,"body":"stop taking insurance, then all"},{"speaker":"Unknown","startTime":1032.17,"endTime":1035.05,"body":"your patients are going to dry"},{"speaker":"Unknown","startTime":1035.05,"endTime":1037.3300000000002,"body":"up and you're just going to"},{"speaker":"Unknown","startTime":1035.05,"endTime":1037.3300000000002,"body":"close you're never going to make"},{"speaker":"Unknown","startTime":1037.3300000000002,"endTime":1041.91,"body":"it okay. Now, one of the main"},{"speaker":"Unknown","startTime":1037.3300000000002,"endTime":1041.91,"body":"reasons, if not the main reason"},{"speaker":"Unknown","startTime":1041.91,"endTime":1045.2700000000002,"body":"why people take insurance, even"},{"speaker":"Unknown","startTime":1041.91,"endTime":1045.2700000000002,"body":"though they don't want to, is"},{"speaker":"Unknown","startTime":1045.2700000000002,"endTime":1048.75,"body":"because they don't want to"},{"speaker":"Unknown","startTime":1045.2700000000002,"endTime":1048.75,"body":"market themselves, or they think"},{"speaker":"Unknown","startTime":1048.75,"endTime":1051.8100000000002,"body":"they don't know how to market"},{"speaker":"Unknown","startTime":1048.75,"endTime":1051.8100000000002,"body":"themselves. And I get it. I"},{"speaker":"Unknown","startTime":1051.8100000000002,"endTime":1055.8300000000002,"body":"totally get it. If you're never"},{"speaker":"Unknown","startTime":1051.8100000000002,"endTime":1055.8300000000002,"body":"had to actively advertise or"},{"speaker":"Unknown","startTime":1055.8300000000002,"endTime":1059.3300000000002,"body":"market yourself, it will seem"},{"speaker":"Unknown","startTime":1055.8300000000002,"endTime":1059.3300000000002,"body":"foreign and it will seem scary,"},{"speaker":"Unknown","startTime":1059.75,"endTime":1064.91,"body":"but marketing and advertising is"},{"speaker":"Unknown","startTime":1059.75,"endTime":1064.91,"body":"100% a learnable skill, and it"},{"speaker":"Unknown","startTime":1064.91,"endTime":1071.15,"body":"that takes courage to implement."},{"speaker":"Unknown","startTime":1064.91,"endTime":1071.15,"body":"So you just have to decide if"},{"speaker":"Unknown","startTime":1071.15,"endTime":1074.21,"body":"the discomfort that you're"},{"speaker":"Unknown","startTime":1071.15,"endTime":1074.21,"body":"feeling now taking insurance and"},{"speaker":"Unknown","startTime":1074.21,"endTime":1076.7900000000002,"body":"accepting low reimbursement and"},{"speaker":"Unknown","startTime":1074.21,"endTime":1076.7900000000002,"body":"all the other things that aren't"},{"speaker":"Unknown","startTime":1076.7900000000002,"endTime":1080.23,"body":"working for you as a result, you"},{"speaker":"Unknown","startTime":1076.7900000000002,"endTime":1080.23,"body":"have to decide. You have to"},{"speaker":"Unknown","startTime":1080.23,"endTime":1084.97,"body":"decide whether you'd rather stay"},{"speaker":"Unknown","startTime":1080.23,"endTime":1084.97,"body":"in the discomfort that you are"},{"speaker":"Unknown","startTime":1084.97,"endTime":1089.17,"body":"in now or be in the discomfort"},{"speaker":"Unknown","startTime":1084.97,"endTime":1089.17,"body":"of learning this new skill and"},{"speaker":"Unknown","startTime":1089.17,"endTime":1094.51,"body":"trying new things and taking"},{"speaker":"Unknown","startTime":1089.17,"endTime":1094.51,"body":"this leap. Okay, another reason"},{"speaker":"Unknown","startTime":1094.8700000000001,"endTime":1097.2700000000002,"body":"that people are afraid to drop"},{"speaker":"Unknown","startTime":1094.8700000000001,"endTime":1097.2700000000002,"body":"insurance is that they're afraid"},{"speaker":"Unknown","startTime":1097.2700000000002,"endTime":1100.7700000000002,"body":"to disappoint their patients."},{"speaker":"Unknown","startTime":1097.2700000000002,"endTime":1100.7700000000002,"body":"You know, if they drop a"},{"speaker":"Unknown","startTime":1100.7700000000002,"endTime":1103.47,"body":"patient's a long time patient"},{"speaker":"Unknown","startTime":1100.7700000000002,"endTime":1103.47,"body":"who's been coming, and they"},{"speaker":"Unknown","startTime":1103.47,"endTime":1105.45,"body":"decide to not take their"},{"speaker":"Unknown","startTime":1103.47,"endTime":1105.45,"body":"insurance anymore, they're"},{"speaker":"Unknown","startTime":1105.45,"endTime":1108.3300000000002,"body":"afraid that they're going to"},{"speaker":"Unknown","startTime":1105.45,"endTime":1108.3300000000002,"body":"disappoint them, they're going"},{"speaker":"Unknown","startTime":1108.3300000000002,"endTime":1111.63,"body":"to disappoint their patients."},{"speaker":"Unknown","startTime":1108.3300000000002,"endTime":1111.63,"body":"And I get that, but this is an"},{"speaker":"Unknown","startTime":1111.63,"endTime":1115.17,"body":"example of people pleasing. And"},{"speaker":"Unknown","startTime":1111.63,"endTime":1115.17,"body":"if you've listened to me before,"},{"speaker":"Unknown","startTime":1115.17,"endTime":1119.3300000000002,"body":"if you've worked with me before,"},{"speaker":"Unknown","startTime":1115.17,"endTime":1119.3300000000002,"body":"you know that people pleasing is"},{"speaker":"Unknown","startTime":1119.3300000000002,"endTime":1123.71,"body":"lying when you think or want one"},{"speaker":"Unknown","startTime":1119.3300000000002,"endTime":1123.71,"body":"thing, but your actions are"},{"speaker":"Unknown","startTime":1123.71,"endTime":1126.7700000000002,"body":"expressing something else that"},{"speaker":"Unknown","startTime":1123.71,"endTime":1126.7700000000002,"body":"is the definition of being a"},{"speaker":"Unknown","startTime":1126.7700000000002,"endTime":1131.93,"body":"liar. And living your life every"},{"speaker":"Unknown","startTime":1126.7700000000002,"endTime":1131.93,"body":"day as a liar is exhausting, and"},{"speaker":"Unknown","startTime":1131.93,"endTime":1137.75,"body":"it catches up with you one way"},{"speaker":"Unknown","startTime":1131.93,"endTime":1137.75,"body":"or another. Okay, now if you do"},{"speaker":"Unknown","startTime":1137.75,"endTime":1143.2900000000002,"body":"decide to take insurance please,"},{"speaker":"Unknown","startTime":1137.75,"endTime":1143.2900000000002,"body":"please, please, take an"},{"speaker":"Unknown","startTime":1143.2900000000002,"endTime":1147.25,"body":"insurance billing course so that"},{"speaker":"Unknown","startTime":1143.2900000000002,"endTime":1147.25,"body":"you know how to bill properly,"},{"speaker":"Unknown","startTime":1147.3700000000001,"endTime":1150.8500000000001,"body":"and so that you actually know"},{"speaker":"Unknown","startTime":1147.3700000000001,"endTime":1150.8500000000001,"body":"how the insurance system works,"},{"speaker":"Unknown","startTime":1150.91,"endTime":1154.2700000000002,"body":"at least in the context of your"},{"speaker":"Unknown","startTime":1150.91,"endTime":1154.2700000000002,"body":"practice. And two that I can"},{"speaker":"Unknown","startTime":1154.2700000000002,"endTime":1157.45,"body":"recommend. One is American"},{"speaker":"Unknown","startTime":1154.2700000000002,"endTime":1157.45,"body":"acupuncture Council and the"},{"speaker":"Unknown","startTime":1157.45,"endTime":1160.71,"body":"other is Maury West. Those are"},{"speaker":"Unknown","startTime":1157.45,"endTime":1160.71,"body":"two. Those are both very good"},{"speaker":"Unknown","startTime":1160.71,"endTime":1166.0500000000002,"body":"insurance billing courses. So"},{"speaker":"Unknown","startTime":1160.71,"endTime":1166.0500000000002,"body":"take them both. Okay, in my"},{"speaker":"Unknown","startTime":1166.0500000000002,"endTime":1169.41,"body":"mind, you can't take too much"},{"speaker":"Unknown","startTime":1166.0500000000002,"endTime":1169.41,"body":"so, because I see too many"},{"speaker":"Unknown","startTime":1169.41,"endTime":1173.8500000000001,"body":"people out there who are billing"},{"speaker":"Unknown","startTime":1169.41,"endTime":1173.8500000000001,"body":"insurance and who are asking"},{"speaker":"Unknown","startTime":1173.8500000000001,"endTime":1176.73,"body":"questions on social media that"},{"speaker":"Unknown","startTime":1173.8500000000001,"endTime":1176.73,"body":"they really should know the"},{"speaker":"Unknown","startTime":1176.73,"endTime":1180.5300000000002,"body":"answer to before they started"},{"speaker":"Unknown","startTime":1176.73,"endTime":1180.5300000000002,"body":"billing on behalf of their"},{"speaker":"Unknown","startTime":1180.5300000000002,"endTime":1185.69,"body":"patients and getting a network"},{"speaker":"Unknown","startTime":1180.5300000000002,"endTime":1185.69,"body":"when it comes to insurance"},{"speaker":"Unknown","startTime":1185.69,"endTime":1189.71,"body":"billing, being ignorant on how"},{"speaker":"Unknown","startTime":1185.69,"endTime":1189.71,"body":"it works and the proper way to"},{"speaker":"Unknown","startTime":1189.71,"endTime":1193.43,"body":"Bill can create a lot of hassle"},{"speaker":"Unknown","startTime":1189.71,"endTime":1193.43,"body":"for you down the line and"},{"speaker":"Unknown","startTime":1193.43,"endTime":1198.3700000000001,"body":"possibly create some serious"},{"speaker":"Unknown","startTime":1193.43,"endTime":1198.3700000000001,"body":"trouble for you. Now, a lot of"},{"speaker":"Unknown","startTime":1198.3700000000001,"endTime":1201.67,"body":"you may be saying, or have said,"},{"speaker":"Unknown","startTime":1198.3700000000001,"endTime":1201.67,"body":"well, you know, I'll just hire a"},{"speaker":"Unknown","startTime":1201.67,"endTime":1204.25,"body":"biller, right? Like, I don't"},{"speaker":"Unknown","startTime":1201.67,"endTime":1204.25,"body":"need to learn how to do this."},{"speaker":"Unknown","startTime":1204.25,"endTime":1208.0900000000001,"body":"I'll just hire a biller. Okay,"},{"speaker":"Unknown","startTime":1204.25,"endTime":1208.0900000000001,"body":"you can hire a biller, but you"},{"speaker":"Unknown","startTime":1208.15,"endTime":1211.63,"body":"you still need to understand how"},{"speaker":"Unknown","startTime":1208.15,"endTime":1211.63,"body":"all of this works, because you"},{"speaker":"Unknown","startTime":1211.63,"endTime":1215.3500000000001,"body":"need to know how to explain to"},{"speaker":"Unknown","startTime":1211.63,"endTime":1215.3500000000001,"body":"your patients when they ask you,"},{"speaker":"Unknown","startTime":1215.3500000000001,"endTime":1218.67,"body":"when they ask you, because they"},{"speaker":"Unknown","startTime":1215.3500000000001,"endTime":1218.67,"body":"will why they. Why their claim"},{"speaker":"Unknown","startTime":1218.67,"endTime":1222.51,"body":"was denied, what's up with their"},{"speaker":"Unknown","startTime":1218.67,"endTime":1222.51,"body":"CO payments? How does their co"},{"speaker":"Unknown","startTime":1222.51,"endTime":1226.17,"body":"insurance work? All these"},{"speaker":"Unknown","startTime":1222.51,"endTime":1226.17,"body":"things. You have to know how to"},{"speaker":"Unknown","startTime":1226.17,"endTime":1229.65,"body":"answer these, because they will"},{"speaker":"Unknown","startTime":1226.17,"endTime":1229.65,"body":"be asked, and your biller is not"},{"speaker":"Unknown","startTime":1229.65,"endTime":1232.71,"body":"responsible for helping you"},{"speaker":"Unknown","startTime":1229.65,"endTime":1232.71,"body":"understand this. They are not"},{"speaker":"Unknown","startTime":1232.71,"endTime":1236.25,"body":"there to teach you about"},{"speaker":"Unknown","startTime":1232.71,"endTime":1236.25,"body":"insurance billing. Their job is"},{"speaker":"Unknown","startTime":1236.25,"endTime":1239.63,"body":"to operate with the assumption"},{"speaker":"Unknown","startTime":1236.25,"endTime":1239.63,"body":"that you already know that what"},{"speaker":"Unknown","startTime":1239.63,"endTime":1242.0300000000002,"body":"you need to know, and they're"},{"speaker":"Unknown","startTime":1239.63,"endTime":1242.0300000000002,"body":"just helping you take a load off"},{"speaker":"Unknown","startTime":1242.0300000000002,"endTime":1245.0300000000002,"body":"your plate by freeing up some"},{"speaker":"Unknown","startTime":1242.0300000000002,"endTime":1245.0300000000002,"body":"time that you would otherwise"},{"speaker":"Unknown","startTime":1245.0300000000002,"endTime":1248.93,"body":"spend submitting and tracking"},{"speaker":"Unknown","startTime":1245.0300000000002,"endTime":1248.93,"body":"claims. And if you take"},{"speaker":"Unknown","startTime":1248.93,"endTime":1252.23,"body":"insurance, it's a revenue source"},{"speaker":"Unknown","startTime":1248.93,"endTime":1252.23,"body":"for your business, right? So you"},{"speaker":"Unknown","startTime":1252.23,"endTime":1255.89,"body":"can't just stick your head in"},{"speaker":"Unknown","startTime":1252.23,"endTime":1255.89,"body":"the sand on this if something"},{"speaker":"Unknown","startTime":1255.95,"endTime":1259.5700000000002,"body":"isn't get getting paid out"},{"speaker":"Unknown","startTime":1255.95,"endTime":1259.5700000000002,"body":"correctly, if money is missing"},{"speaker":"Unknown","startTime":1259.5700000000002,"endTime":1263.47,"body":"or if your biller is dropping"},{"speaker":"Unknown","startTime":1259.5700000000002,"endTime":1263.47,"body":"the ball, you need to be able to"},{"speaker":"Unknown","startTime":1263.47,"endTime":1266.71,"body":"recognize it as soon as"},{"speaker":"Unknown","startTime":1263.47,"endTime":1266.71,"body":"possible. Taking insurance, it"},{"speaker":"Unknown","startTime":1266.71,"endTime":1271.15,"body":"is not a passive event. You must"},{"speaker":"Unknown","startTime":1266.71,"endTime":1271.15,"body":"be involved and vigilant and"},{"speaker":"Unknown","startTime":1271.15,"endTime":1275.0500000000002,"body":"knowledgeable through it all. So"},{"speaker":"Unknown","startTime":1271.15,"endTime":1275.0500000000002,"body":"I could keep going with this"},{"speaker":"Unknown","startTime":1275.0500000000002,"endTime":1277.99,"body":"topic, but this is getting to be"},{"speaker":"Unknown","startTime":1275.0500000000002,"endTime":1277.99,"body":"a long episode, and I'm probably"},{"speaker":"Unknown","startTime":1277.99,"endTime":1280.1100000000001,"body":"going to listen back to listen"},{"speaker":"Unknown","startTime":1277.99,"endTime":1280.1100000000001,"body":"back to this after it's"},{"speaker":"Unknown","startTime":1280.1100000000001,"endTime":1282.63,"body":"published and realize that I"},{"speaker":"Unknown","startTime":1280.1100000000001,"endTime":1282.63,"body":"left something out, but I think"},{"speaker":"Unknown","startTime":1282.63,"endTime":1285.75,"body":"I shared most of my thoughts on"},{"speaker":"Unknown","startTime":1282.63,"endTime":1285.75,"body":"this topic. So hopefully this"},{"speaker":"Unknown","startTime":1285.75,"endTime":1290.0700000000002,"body":"was helpful insight for you and"},{"speaker":"Unknown","startTime":1285.75,"endTime":1290.0700000000002,"body":"and that's all I have for today."},{"speaker":"Unknown","startTime":1291.0300000000002,"endTime":1293.43,"body":"If you need help with getting"},{"speaker":"Unknown","startTime":1291.0300000000002,"endTime":1293.43,"body":"unstuck, getting out of your own"},{"speaker":"Unknown","startTime":1293.43,"endTime":1296.0700000000002,"body":"way, or feeling dissatisfied in"},{"speaker":"Unknown","startTime":1293.43,"endTime":1296.0700000000002,"body":"any way in your life or your"},{"speaker":"Unknown","startTime":1296.0700000000002,"endTime":1298.43,"body":"business, then life and"},{"speaker":"Unknown","startTime":1296.0700000000002,"endTime":1298.43,"body":"performance coaching may be"},{"speaker":"Unknown","startTime":1298.43,"endTime":1303.47,"body":"exactly what you need. Head over"},{"speaker":"Unknown","startTime":1298.43,"endTime":1303.47,"body":"to TCM hub.com/living, practice,"},{"speaker":"Unknown","startTime":1303.47,"endTime":1306.3500000000001,"body":"or click living practice at the"},{"speaker":"Unknown","startTime":1303.47,"endTime":1306.3500000000001,"body":"top of the page. There, you can"},{"speaker":"Unknown","startTime":1306.3500000000001,"endTime":1308.75,"body":"read more about coaching for"},{"speaker":"Unknown","startTime":1306.3500000000001,"endTime":1308.75,"body":"self employed Chinese medicine"},{"speaker":"Unknown","startTime":1308.75,"endTime":1312.23,"body":"physicians and schedule an"},{"speaker":"Unknown","startTime":1308.75,"endTime":1312.23,"body":"introductory chat with me. If"},{"speaker":"Unknown","startTime":1312.23,"endTime":1314.69,"body":"you found this episode valuable,"},{"speaker":"Unknown","startTime":1312.23,"endTime":1314.69,"body":"please share it with a friend,"},{"speaker":"Unknown","startTime":1314.8100000000002,"endTime":1317.3300000000002,"body":"and if you could be so kind as"},{"speaker":"Unknown","startTime":1314.8100000000002,"endTime":1317.3300000000002,"body":"to take a moment to leave a"},{"speaker":"Unknown","startTime":1317.3300000000002,"endTime":1320.23,"body":"written review in your apple"},{"speaker":"Unknown","startTime":1317.3300000000002,"endTime":1320.23,"body":"podcast app, or rate us on"},{"speaker":"Unknown","startTime":1320.23,"endTime":1322.51,"body":"Spotify, we would really"},{"speaker":"Unknown","startTime":1320.23,"endTime":1322.51,"body":"appreciate it. Thanks for"},{"speaker":"Unknown","startTime":1322.51,"endTime":1324.97,"body":"listening and for considering"},{"speaker":"Unknown","startTime":1322.51,"endTime":1324.97,"body":"new perspectives. Talk to you"},{"speaker":"Unknown","startTime":1324.97,"endTime":1326.1100000000001,"body":"next time bye. You."}]}