Arizona Chiropractic Society eNewsletter

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April 15, 2011Newsletter Subtitle

Month Year
ACS Members benefiting from major additions to ACS webpage 

The first change has been a flow of new patients from the ACS search engine. Then there is the Auto Accident Medical Legal page which is a virtual PI low speed impact course specific to Arizona. Then check out the 58 very special member benefit documents, services and products, and  you will see that ACS membership more than pays for itself. 


To gain full access to all pages and documents, all you have to do is join or log in if you are a member. Join today and streamline your practice while supporting our lawsuit to restore insurance equality. It's as easy as clicking a button on the webpage which directs you to a secure online server. You can also donate in any amount to support the cause. Even $10-$25 per month makes a difference.


Members can always contact Dr. Immerman for the most current information and for personal assistance. Dr. Immerman does not see patients and works for ACS members full time. He has been licensed since 1980, practiced full time for 20 years, and has been President and Executive Director of ACS since its inception in 1991. Dr. Immerman is here to help you today. Just send an email to or call (602) 368-9496.

Quick Links

Read entire full color PDF with breaking news about the ADOI lawsuit, BCBS, ASH, the Board, insurance equality and much more by clicking on this link.

Website with Full Info about ACS Attorney David Abney

ACS Four Point Plan to Deal With ASH

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 866.567.6762


Alan M. Immerman, D.C., ACS President and Executive Director
Alan M. Immerman, D.C., ACS President and Executive Director


April 15, 2011




    Chiropractors and their patients must immediately call Governor Brewer's office at (602) 542-4331 and ask her to veto SB 1593. This bill threatens to undermine the chiropractic insurance equality law.


     Simply state: "Please ask the Governor to veto SB 1593 in order to protect the rights of all Arizonans to use their insurance to access chiropractic care. This bill would allow insurance companies to sell policies that do not allow patients the freedom to see chiropractors. This is wrong and so the bill should be vetoed. Thank you very much."


    The bill is very technical but basically allows out-of-state insurance companies to sell their policies in Arizona even if they do not include chiropractic coverage. If they do sell such policies here, then Arizona insurers might be allowed to drop their chiropractic coverage.


     This interpretation is in dispute since the bill only addresses health conditions like autism, not providers, and so chiropractic may not be affected if it is passed. If the bill passes and insurers try to extend it to chiropractic, ACS will file a lawsuit to block them. Nonetheless, an abundance of caution is in order and so we call for a veto. Make your calls to the Governor and ask your patients to do the same immediately.


     The changes in SB 1593 that have created concerns for chiropractic came about in the last few days on the floor of the House and Senate. They were never considered in committee. We had no advance notice and no chance to stop them before now. This is our only opportunity. It's now or in the courtroom. Get to work! 



     The California Department of Managed Health Care has just released a formal letter documenting that it has initiated a "non-routine" investigation into American Specialty Health (ASH) regarding possible violations of the state Medical Loss Ratio (MLR) law. To read the letter, go to and scroll down to the section on Breaking News.


     ASH is a subsidiary of ASHN which is a licensee of the California Department of Managed Care and so subject to the state MLR. This law requires plans including ASH to spend at least 85% (in special circumstances 75%) of revenues on patient care, and no more than 15% (special cases 25%) on overhead and profit.


     According to ASH financial statements which are posted on the ACS webpage next to the California letter, the ASH MLR is approximately 50% which appears to be a clear violation of the California MLR. It is for this reason that a "non-routine" investigation was launched immediately upon receipt of complaints from ACS.


     The outcome of the investigation will be reported by ACS as soon as it becomes available. It appears inevitable that ASH will be found in serious violation and ordered to pay fines and refunds.


     To inform you about the MLR, ACS has written an article entitled: The Medical Loss Ratio (MLR) Law and How ASH is Doomed. This report is posted on the ACS webpage at,-ISSUES-AND-LITIGATION.php, #3.


     When ASH is forced to spend no more than 15% to 25% on overhead and profit instead of the current 50%, much more money will be available to pay to doctors for their services rather than to the many "babysitters" hired to oversee the treatment of every chiropractic patient. This is as it should be.


     It is wrong that 50% of premium dollars is being spent on overhead and profit and not patient care, and this is why laws were passed to ban such outrageous percentages. Much more of this money must and will be spent on patient care thanks to the complaints filed by ACS and the upcoming enforcement action by the California Department of Managed Care. ASH will be unrecognizable when it can only spend 15% rather than 50% on overhead and profit. Prepare for major change, brought to you by ACS. If you are not a member, please join or donate to continue to make this work possible.




Dear AAC Board Members and Members of the Association:


This is exactly why I'm not a member of your association. How long are you going to sing "Let's Kumbaya" with these people while our profession continues to suffer? I think you should join and give support to ACS in this lawsuit effort. The insurance companies will not and have never worked with us on anything. They continue to break the law and you guys just say oh it is ok we will try to live on the table scraps. 


I just had a patient that was under PT for frozen shoulder for 2.5 months and they helped her increase her abduction by 3% in 2.5 months. I saw her 3 times and increased it by 75%.  Guess who the insurance company is going to pay? That is right, the PT and he literally did nothing for her. Guess who did not get paid? That's right, me the chiropractor who helped her BIG TIME. But as far as I'm concerned you, the AAC, have done NOTHING for this profession and continue to be inept when it comes to helping our profession. WAKE up they will NOT negotiate with us PERIOD. Join the fight NOW!!!!!


Our income has dropped by 30% that is what your worthless negotiating has done for our profession... Please stop negotiating you are killing me. If you continue maybe you can drop it another 30%. Do you see I have school loans and bills to pay, I have not been around since the stone ages like most of the AAC board members when I was raping the insurance companies, now I'm paying the price and you couldn't care less. All you are worried about is having the prestige of being a part of the AAC and are so happy to feed off the scraps on the floor while our profession is being strangled illegally. 


So if you DON'T care then keep negotiating so I can finally go get a job at Circle K and you can make your insurance buddies happy and no one will have any chiropractic care at all. You are doing a great job of negotiating all of us out of business. You are as an association INSANE. How's that, well I will define it for you. Doing the same thing over and over again expecting different results = INSANITY. 


Sincerely disgusted and amazed at your lack of effectiveness,


T. Steve Van Laecken, DC. MUAC, DAAMLP



     Litigation is expensive but without it there is no hope of restoring insurance equality. We know that right now your cash flow is decreased because of current tactics by insurance companies. The only hope of reversing the status quo is to gain enforcement of our excellent insurance equality law. The only way to accomplish this goal is to get a judge to order ADOI to enforce the law. This takes a lawsuit which means lawyers and money.


     Be smart and invest in this lawsuit to restore health insurance coverage for chiropractic. There are multiple ways to help. You can either join as a member or donate in any amount by going to www.AZChiropractor.organd clicking on the Become a Member Online or Donate Today Online! buttons in the upper left corner of every page. You will be directed to our online secure server for your transaction. Act today and safeguard your future. This lawsuit is literally your only hope. Even $25 to $50 per month donations are meaningful and there is no doctor in Arizona that cannot afford this amount. Everyone needs to participate in this effort in order for us to have a chance at winning. It's  now or never. This is truly D-Day for chiropractic in Arizona.