CBS lowers rates

The Chiropractic Benefit Services (CBS) Malpractice Insurance Program has reduced its rates in Alabama, Arkansas, Georgia, Massachusetts, Montana, New York, North Carolina, Ohio, Oklahoma, Oregon, Tennessee and Wisconsin.

"I'm very excited to make this important announcement," stated Timothy Feuling, vice president of CBS. "Although rates are not always the most important factor to consider when choosing malpractice insurance, I'm glad to be able to save our policy holders money and, at the same time deliver the best policy available to chiropractors anywhere."

Recording consistently expanding growth and already offering competitive rates, CBS has drawn much of its support from doctors who do not wish their premium dollars to be used to support the Mercy Guidelines, the World Federation of Chiropractic, or other enterprises they deem opposed to subluxation-based chiropractic.

CBS is the only program which supports the new subluxation-based Council on Chiropractic Practice (CCP) guidelines document, using it as its underwriting criteria. Several other insurance companies, notably NCMIC, have provided substantial financial support for the development and distribution of the Mercy guidelines, and rely on that document to make judgments about the "medical necessity" for chiropractic care.

CBS doctors who face legal challenges can call upon a "peer group" of leaders in the subluxation-based community. In several cases, their testimony has successfully countered expert testimony provided by medical doctors or chiropractors who attempted to use Mercy against them.

"One other reason so many doctors have flocked to CBS is customer service," Mr. Feuling added. "It's frustrating to have a question about your coverage and not be able to talk to someone who knows anything about real chiropractic. If you are a CBS doctor, you'll talk to me or someone here in this office who shares your passion for chiropractic."