SB234 - Alabama Chiropractor Direct Pay Act

• Defines a "chiropractic agreement" as a contract between a licensed chiropractor and patient for chiropractic services at an agreed-upon fee and time period, and specifies such agreements are not insurance and not subject to state insurance laws.

• Exempts chiropractors offering, marketing, selling, or entering into chiropractic agreements from obtaining additional licenses or certificates beyond their current chiropractic license.

• Requires chiropractic agreements to be in writing, signed by both parties, include a 30-day termination notice provision, describe covered services, specify fees and duration with no more than 12 months of fees paid in advance, and prominently display disclosures about insurance implications and tax penalties.

• Requires agreements to state that payments do not count toward health insurance deductibles or out-of-pocket maximums, and mandate return of unearned fees upon patient termination.

• Allows chiropractors to decline patients or discontinue care for non-payment, fraud, non-adherence to treatment plans, abusive behavior, practice closure, or other conditions consistent with the Chiropractic Practice Act.