Sample Letter for Patients to notify their Insurance Provider

[Your Clinic Letterhead – Optional]
[Today’s Date]

Insurance provider 
Provider Outreach and Engagement
[Address if available]

RE: Urgent Concern – Multiple Therapy Procedure Reduction (MTPR) Policy Impact on Patient Access to Covered Care

To Whom It May Concern,

As a participating provider in the (Name the Carrier) network and the [owner/clinical director] of [Clinic Name] in [City, MA], I am writing to express serious concern regarding the Multiple Therapy Procedure Reduction (MTPR) policy implemented.

Though presented as a reimbursement adjustment, this policy has immediate and negative consequences for patient care—undermining access to medically necessary services that are contractually covered under (Insurance plan).

At [Clinic Name], we provide in-network chiropractic care to approximately [#] (Provider) -members weekly. Many of these patients require a combination of therapeutic modalities—such as therapeutic exercise, manual therapy, and neuromuscular reeducation—as part of a comprehensive treatment plan that restores function, relieves pain, and prevents escalation to more costly interventions.

Under the new MTPR policy:

• Reimbursement is significantly reduced for second and subsequent therapy services provided on the same day.

• Clinically appropriate, evidence-informed care is disincentivized due to unsustainable reimbursement.

• Provider participation in the (Carrier) network is threatened, potentially reducing access across entire communities.

• Patients are receiving less care per visit, may require more frequent appointments, or risk losing access if practices are forced to limit participation.

This amounts to phantom coverage—where services appear as covered benefits but become inaccessible due to financial impracticality.

We are already seeing the impact in our clinic:

• [Example: Fewer therapy combinations being delivered at one visit due to payment cuts]

• [Example: Adjustments to patient scheduling and appointment times to maintain financial viability]

• [Example: Patients expressing concern over care limitations or rescheduling treatments due to increased visit burden]

We respectfully urge (Carrier) to reconsider and reverse the MTPR policy and engage with the provider community to establish fair, sustainable reimbursement that supports access to high-quality, conservative care.

Chiropractic services offer a proven, non-pharmacological, cost-effective solution for musculoskeletal conditions across the Commonwealth. Cutting reimbursement does not reduce healthcare costs—it reduces the delivery of care.

Thank you for your time and consideration. We welcome the opportunity to collaborate on a more balanced approach.

Sincerely,
[Full Name, Credentials]
[Title]
[Clinic Name]
[Phone Number]
[Email Address]