Arizona Chiropractic Society eNewsletter
Statewide Non-Profit
Chiropractic Association
Breaking News July 22, 2010

Have you checked out the ACS Medical Legal Page?  

The ACS Medical Legal page is loaded with information that will help your personal injury practice. It's foundation is Dr. Immerman's work as an expert in the personal injury field. He has testified in 59 Superior Court trials in the past 10 years and written hundreds of reports. Take a look at the posted information.

 ACS members constantly contact Dr. Immerman for copies of studies to back up their arguments in reports, and to prepare for court. Just go
to and click on the Medical Legal page button. Members can contact Dr. Immerman for the most up-to-date information and studies available, and for personal assistance on specific cases.

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July 2010 ACS Newsletter:
Read entire PDF with breaking news about the Board, insurance equality and much more by clicking on this link.
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The Arizona Chiropractic Society is here to serve you!
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3515 E. Carol Avenue
Phoenix, AZ 85028
VOICE 602.368.9496
FAX 602.368.8954
Dear Arizona Chiropractor and other interested party,

This is a special mid-month update from ACS. Please forward this to any of your fellow Arizona chiropractors or anyone else who would benefit from the information here. Also, please feel free to contact us with any questions or, if you wish to no longer receive these important communications, click the unsubscribe link at the bottom.

Warm regards,
Alan M. Immerman, D.C.
President & Executive Director

Sick and Tired of High Copays? Now is the Time to Strike!
ACS has assembled the finest team of attorneys available in Arizona to sue the Arizona Department of Insurance to gain proper enforcement of chiropractic insurance equality laws. These attorneys believe current specialist copays for chiropractic are CLEARLY ILLEGAL.
If you are REALLY sick and tired of illegally high copays and deductibles, then prove it by taking action. Joining ACS today and contributing to the ACS lawsuit fund. ACS is the only state association fighting to lower copays. We are your only hope! Either sign on with ACS or live with high copays FOREVER! It's now or never. If you are a member, send in your $500 now to fund this lawsuit. If you are not a member, go to for an application to join. Fill it out and fax to ACS today. Relief is just around the corner, just waiting for the lawsuit to be funded.
We are ready to move forward as soon as you give us the green light with your funds. Once we win, your practice will be transformed. Keep the faith and support this lawsuit. It truly is our last chance for relief. We must do this. We have no other option at this time, and ACS is the only organization willing to file a lawsuit. Take action today, not tomorrow!
ACS Legislative Endorsements 
ACS has endorsed candidates for legislative races in every district in the state. You can download the complete list in PDF format by clicking on 
ACS is the only Arizona state association that provides guidance year after year to chiropractors regarding which candidates are pro-chiropractic. Be sure to consult this list before voting this year, and share this list with your patients, friends and family. Count on ACS as your representative in the Arizona political world. 
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Post Payment Audit Reviews and Refund Demands 
ACS is working with a completely separate team of attorneys who have determined that most refund demands made by insurers months after claims have been paid are illegal. If the insurer is BCBS or AETNA, litigation is already ongoing and you may be able to join the lawsuit and stop a current refund demand immediately. With other insurers, ACS is working to develop new class action lawsuits.
ACS has created a Post Payment Audit Review and Refund Demand Package available to members. If you are a member and would like a copy of this highly informative package, send an email request. If you are not a member, join and we will send you a copy. The bottom line is you should NOT just automatically give in to refund demands without first consulting ACS. We may have legal remedies that will save you tens of thousands of dollars. Feel free to call ACS to discuss your situation. We are here for you!
                Getting personal help from Dr. Immerman to collect from insurance companies and in personal injury cases is by far the most important and popular member benefit in ACS. Whether by email or phone, doctors frequently contact Dr. Immerman for help when health insurance companies refuse to pay claims and they have tried everything they know but have failed to collect. Dr. Immerman is known to usually have a solution when no one else does. A quick phone call or email often solves the problem.
                Doctors also call when they are having trouble collecting on large PI cases. Sometimes an attorney refuses to release funds, or an attorney does not know how to approach a case. Dr. Immerman is frequently involved in litigation cases as an expert and knows many attorneys and so can often help in this area also.
                There is a good reason why ACS' membership retention rate is one of the highest in the nation for a state association. It simply pays to be a member of ACS!
                This is the full current list of membership benefits delivered to you immediately when you join ACS. If are you are licensed DC in Arizona and you really want to make a living at chiropractic, you will become a member of ACS and read and digest all of the documents listed below. Each is vital to practice in this state.
                 Members receive all of the following special membership benefits by email immediately upon joining. Any member may request an additional copy at any time by number. Join today and get the help you need with these unique resources and documents.
1 -- CIGNA -- ACS Membership Form.pdf:  Group health insurance for ACS members with guaranteed issue coverage after a 90 day waiting period, no medical underwriting. PPO and HMO plans, statewide.
2 -- CIGNA Health Insurance Info.pdf
3 -- CIGNA Pamphlet.PDF
4 -- Fees allegedly above Usual and Customary.pdf:  How to protest when an insurance company claims your fees were too high.
5 -- Grievance Letters -- The Best Way to Get Insurers to Pay.pdf:  How to use the Arizona grievance law, a powerful tool to bring pressure on an insurer that misbehaves.
6 -- Health Care Appeal Request Form.pdf:  There is a legal process when a claim is denied as not medically necessary. This is a sample request form. #7 contains complete instructions.
7 -- Health Care Appeals Process.pdf:  A three level process. The third level involves review by an independent party chosen by the Arizona Department of Insurance and paid for by the insurance company.
8 -- How to file a complaint with ADOI against an insurer.pdf:  When insurance companies violate laws, complaints must be filed.
9 -- Medical necessity appeal letter.pdf:  An excellent general appeal letter.
10 -- Small Claims and Justice Court Instructions.PDF:  Sometimes the only solution when an insurance company does not pay is a lawsuit. Here are instructions for suing an insurance company.
11 -- Timely Payment of Claims, Adjudication, Adjustments.pdf:  Claims must be paid within a certain time frame, and demands for repayment can only be made within certain guidelines. This document contains the legal details.
12 -- ERISA Claims Procedure DOL Rule 29 CFR 2560.503-1.pdf:  Key section of the law which you need to know to get results with your appeals.
13 -- ERISA Letter to File an Appeal.pdf:  Use this letter today to get results when claims are denied.
14 -- ERISA Letter to Request for a Copy of the Summary Plan Description, Claim Appeal Procedure, EOB.pdf:  The first step in an ERISA appeal is to get a copy of the plan document. This is the letter to send.
15 -- ERISA Self-Insured Plans ADOI Letter.pdf:  This is the position of the Arizona Department of Insurance regarding ERISA self-insured plans.
16 -- Understanding ERISA.pdf:  Complicated subject, simple explanation.
17 -- Understanding ERISA Detailed.pdf:  Complicated subject, detailed but understandable explanation.
18 -- The path to medical referrals.pdf:  Key information about how to get referrals from MDs and DOs.
19 -- MD-DC Alignment in Practice.pdf:  An entire book by a DC who once was a drug representative and knows exactly how to get into and talk comfortably with MDs and DOs. This is a blueprint with detailed plans.
20 -- Recordkeeping as Mandated by the Arizona Chiropractic Board.pdf:  Detailed instruction complied and updated by ACS over many years.
21 -- Record Keeping and Documentation Course.pdf:  Outline of course given by lead auditor retained by the Arizona Chiropractic Board.
22 -- Record Keeping 2005.pdf:  Full course notes given by former Board chair. Must request separately since file too large to include with email package.
23 -- Medicare Chiropractic Coverage and Documentation Nov. 2006.pdf:  This is the full document from Medicare and must be requested separately since it is too large.
24 -- CMS Rules for reporting timed codes.pdf:  These are the rules for reporting timed codes which you must follow to be in compliance with the requirements of the Arizona Chiropractic Board for all documentation.
25 -- Medical Records Protocol 2008.pdf:  Arizona Chiropractic Board requires you have this on file in your office at all times.
26 -- How to search the National Library of Medicine and retrieve articles from a medical library.pdf:  These are the types of journal articles the Arizona Chiropractic Board requires you to have to back up your claims.
27 -- DC Power of Attorney directing payments to doctor.pdf:  Use when an insurance company refuses to honor assignments of benefits.
28 -- DC Power of Attorney Instructions.pdf:  Instructions for #27.
29 -- State Board Investigations and Disciplinary Actions.pdf:  Every doctor with a state license needs to read this background document about boards and discipline. Forewarned is forearmed.
30 -Ethics Opinion 98-06 which requires PI lawyers to pay your bill if they know it exists (constructive knowledge) even if there is no written agreement.
31 - Balance Billing in PI Cases:  Why balance billing to a third party insurer is almost always allowed in PI cases including citations to legal authorities.
32 - PI Attorney's Explanation of Healthcare Provider Liens: Detailed explanation of the law.
33 - Sample form for Notice and Claim of Medical Lien:  Fill in the blanks with your office information.
34 - Sample form for Release of Medical Lien:  Fill in the blanks with your office information.
35 - Arizona Department of Insurance Circular Letter 2000-02 mandating fair investigations of low speed impact automobile accidents. Use to combat insurance company fraud.

You want action? You want results? Then join ACS if you are not already a member. Now. You can find a membership application at