02/24/2026
"People say, “You can bill insurance if you’re licensed!” – as though a jackpot is just waiting to be claimed. The truth is far otherwise.
I hope that understanding three facts about licensing and insurance will change your perspective on coverage versus cash.
New License Logic
In the beginning, patients usually just want someone who understands their problem, and can offer a reasonable solution.
The problem starts when someone suggests, “Insurance would cover this, if your clinician had a license.” It doesn’t matter how much they like their provider, just as they are. It doesn’t matter how affordable “this” may be, paying cash.
Once the suggestion is made, most patients don’t care: they just want “this” to be covered. And clinicians think the same way: it looks like easy income. Human nature being what it is, getting insurance to pay for something always sounds better than paying for it ourselves.
Yet no one is more surprised than these patients a few years later, when their clinician no longer has time to listen, and refuses to give unapproved treatment! (Unless it’s the clinician, struggling under impossibly complex billing.)
Of course, with the exorbitant prices we pay for insurance, it’s perfectly reasonable to want to get our money’s worth. But that shouldn’t blind us to the freedoms we lose when Lansing births a new healthcare license."
https://mihealthfreedom.org/chasing-health-insurance-with-new-licenses/
