Arizona Chiropractic Society eNewsletter

Breaking News      

April 28, 2011Newsletter Subtitle

Month Year
What's Special for ACS Members 


Friends of the ACS: This is a national organization of allies that realize the national implications and signiicance of the ACS litigation to stop ASH from imposing its standard of practice onto the entire chiropractic profession. Here's the webpage:



MedicoLegal Services: Home of the best, most practical, tried and proven resources for winning PI cases with special emphasis on low speed impact cases. Here's the webpage:


ACS Store: This is the place to go for sample reports to rebut IME reports from MDs and DCs, and reports from defense biomechanical engineers and accident reconstructionists. You will also find literature reviews on the key current topics in PI cases about forces involved in accidents, the threshold of injury, and much more. Here's the webpage:    


Member Benefits and Practice Solutions: Includes extensive information on how to handle claims denials for both insured and self-insured plans (the rules are completely different), a complete blueprint for developing referrals from MDs, eveything you could ever want to know about recordkeeping and documentation and staying in compliance in Arizona, the key personal injury practice tools needed by every DC, and much more. Click here to go to the Member Benefits and Practice Solutions Page. 


Full Time Help Line: (602) 368-9496. ACS members call and email all the time to get assistance on a wide range of issues from Dr. Immerman, a veteran DC with 31 years of experience.


To gain full access to all pages and documents, all you have to do is join by clicking on Become a Member Online. You will be directed to a secure online server. You can also Donate in any amount to support the cause. Even $10-$25 per month makes a difference.

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!

ACS Logo

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





     Governor Brewer today vetoed SB 1593 - Health Insurance; Interstate Purchase. The bill would have allowed out-of-state insurance companies to sell their policies in Arizona even if they did not include chiropractic coverage. At the last minute, an amendment was added stating that if such companies sell policies without mandates such as insurance equality laws for chiropractic in Arizona, then Arizona insurers would be allowed to drop their chiropractic coverage.


     On April 15th, ACS sent out an urgent email to 1,700 recipients urging a flood of calls to the Governor's office asking for a veto. The ACS effort, together with that of other groups, had a strong impact. In the final analysis, however, Governor Brewer was not comfortable signing a bill that had not received any consideration in committee with public input. She also didn't like the idea that Arizona consumer would have to take their complaints about insurance companies to other state regulators. You can read her full veto letter by clicking here. 


      In other news, ADOI has responded to the ACS lawsuit with a fairly routine Motion to Dismiss for Failure to State a Claim. ACS members can read the entire motion by going to the link at There are some benefits of membership. Our attorney will be filing a counter motion in the near future.chiropractic coverage. If they do sell such policies here, then Arizona insurers might be allowed to drop their chiropractic coverage.

Get Paid Chiro Systems is coming to Phoenix on May 21st, 8am-1pm, and Tucson on May 19th, 8am-1pm. This seminar is imperative for doctors and staff to attend because Dr. Ricchio will be going over getting paid 100% from ASH, BCBS, Aetna, UHC and all other insurance companies. He will also be going over cashflow and high income strategies. Click here for full information. Registration is limited!
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     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.



     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 clicking on the Become a Member Online or Donate Today Online! 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.