What is your take on prepaid plans?
If I were in practice, since I seen chiropractic as a way of life, not something for an episode of pain, I would attempt to migrate as many patients as possible to quarterly or annual prepaid plans.
There are various groups in the profession who are b advocates of this strategy. Unfortunately, many of them pressure the patient into this arrangement prematurely, setting the stage for patient resentment. ("What do you mean, I can't have a refund? I paid for 12 months of care and only needed 4 months of care!") These are patients who don't understand your intent, or who were b-armed into the agreement or simply enticed by what they could save by agreeing to an annual plan.
In many ways, because it's often promoted too early in the relationship, before patients grasp the implications of a chiropractic lifestyle, it's like talking about marriage and kids on a first date!
So, sure, offer prepayment plans (if it is legal to do so in your jurisdiction), but realize it is a free will choice made by an enlightened patient, rather than a method of producing an enlightened patient!