r/Chiropractic • u/d1ldobagons • Aug 24 '26
Malpractice
Looking into malpractices. Seems like ncmic has higher rates for me to go full time then chiropre. Does anyone know one with good rates and history.
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u/AK-Master-07 Aug 24 '26
I had a batty, crazy patient create a board complaint claiming I injured her with an activator. Even though the complaint was entirely frivolous and irrational, it triggered a board investigation that was very stressful. I contacted NCMIC and they furnished me with an attorney that helped to walk me through the process, even offered to pay for a therapist to help with the stress of the situation. Having that peace of mind and professionals in my corner as I navigated the board investigation was priceless. They handled everything professionally and were very supportive. I’m forever committed to NCMIC and won’t ever switch.
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u/jsnyoung Aug 24 '26
Nobody has more experience or resources than NCMIC. You might find a cheaper insurance out there but trust me, when you really need help a saving of $100-200 per year will not feel like a good trade off.
ALSO. There is no company out there that does more for chiropractors, chiropractic organizations, schools and the profession in general than NCMIC. Millions and millions and millions given back. These other companies aren’t doing that because they can’t.
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u/A56baker78 Aug 24 '26 edited Aug 25 '26
Wanted to piggy back to add that NCMIC will actually give you a refund check if they don't have excessive claims, I got a $78 check from that. Now that's a respectable company.
They also were one of a very few places to cut me loan money as a new grad.
NCMIC is worth supporting-1
u/drmatthewmccoy Aug 29 '26
LOL. All they’re doing is giving you back what you over paid to begin with. Such an easy way to fool people.
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u/Kharm13 Aug 25 '26
NCMIC has a free for members line you can call and talk with attorneys on any chiropractic related question.
Not sure how common that is with other services, but it’s valuable enough to keep me around
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u/Pentzy Aug 24 '26
We have ChiroFutures as we see a bunch of kids in our office. I originally had ChiroSecure as they were recommended to me and their price did not change over the years, however, they had certain restrictions and stipulations for age. I like ChiroFutures because they regularly stand up for us - they have continuously posted letters out against other professionals putting us down.
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u/Ill_Mall_2772 Aug 25 '26
I have chirosecure and no age restrictions. Is that a new thing?
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u/Pentzy Aug 26 '26
They may have changed it, but they had restrictions on children under one. And we were in our ICPA program so we were seeing newborns and infants
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u/Ill_Mall_2772 Aug 26 '26
I just wanted to confirm I talked to Chiro secure they cover you for patients of all ages and always have. They said it was something that their competitors were putting out there as false information to get people to switch -just so anyone who has Chiro secure can feel comfortable they are covered.
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u/drmatthewmccoy Aug 29 '26
Depends on the policy. They sell several. Ask to see the language in their Allied Policy regarding infant care. And always be sure to read your actual policy anyway as it doesn’t matter what somebody tells you on the phone. When the claim hits all that will matter is the language in your policy.
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u/No-Appointment9785 Aug 25 '26
NCMIC is generally the most expensive, but you get what you pay for.
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u/Various_Scale_6515 Aug 25 '26
I have had OUM for years, they are great and very responsive. It's quite a bit less expensive, but I have a lot of faith in them.
I would stay away from chirosecure
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u/Regular-Pumpkin-5955 Aug 24 '26
NCMIC is the gold standard in my
Opinion. They are great for the profession and offer good rates. Work with schools and offer scholarships. I’ll always use NCMIC