On Oct. 21, 2025, a judge in Florida issued a groundbreaking decision in Complete Care v State Farm, 25-CA-1063. It concerns a fact pattern that many chiropractic doctors have faced wherein an insurer, such as State Farm or Allstate, decides to simply stop paying all claims submitted by a healthcare provider.
| Digital ExclusiveTreating the Common Cold
When an MD is armed only with a prescription pad, the treatment regime for the common cold is fairly predictable. Consider how 1,439 patients in 2,144 medical encounters were treated for the common cold:
Antibiotics Prescription Only -- 32%
Symptomatic Medication Prescription Only -- 6%
Antibiotics and Symptomatic Medication -- 28%
Never Filled the Prescription -- 35%
While over one-third of the patients never bothered to get the antibiotic prescriptions filled, the 60 percent who did contributed to what the authors describe as a misuse of antibiotics by MDs, which, conservatively, is a $37.5 million annual expenditure in the U.S.
SOURCE: Mainous AG, Hueston WJ, Clark JR. Antibiotics and upper respiratory infection. J Fam Pract 1996; 42:357-361.