Arizona Chiropractic Society -
Monthly Newsletter
April, 2015
Issue No. 1504
In This Issue

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Arizona Chiropractic Society
35215 E. Carol Ave.
Phoenix, AZ   85028

ACS President and 
Executive Director 
(Since 1991)


Featured Articles



At press time, the ACS bills had stalled in the State House of Representatives. The first bill, SB 1454, would lower copays for chiropractic care from specialist to PCP levels. We have searched for a vehicle bill to attach our bill to but have failed to find one. It appears the bill may be dead for the session.


The same appears true for our second bill, SB 1075. This bill would require the Arizona Department of Insurance (ADOI) to take enforcement action whenever there is a violation of the insurance equality law. It would also require that fees paid to chiropractors be the same as they are to MDs and DOs for the same service. This bill would also modify the insurance equality law so that chiropractors could no longer be singled out for utilization review.


Because this bill would affect one of the Governor's agencies, the Senate President wanted to see how the Governor felt about the bill before allowing a hearing in the Senate. Therefore, we had a meeting with the Governor's staff to discuss the matter. They indicated that they would need to meet with the Department of Insurance to get their input and that meeting has not yet happened. In the meantime, the deadline to hear bills in the Senate expired. Now the Governor's office has indicated they will not have the time to meet with the Department of Insurance until the session is over. Therefore, this bill appears to be dead for the session.







When insurers do not pay, the single best tool to use is called a "Grievance Letter" which was enacted into law in 2000 through the efforts of ACS among others.


Each insurer must have a written grievance policy that is available to providers upon request. Each insurer must designate a contact person (the "Grievance Officer") to receive grievances and answer provider questions on those grievances. Insurers may recommend, but may not require, a specific form for the submission of grievances. Insurers must file semi-annual grievance reports to the Department which include information such as the number of grievances received by an insurer, the kinds of grievances, and the time to resolution. If the Department is not pleased with what it sees, it will audit the insurer with a Market Conduct Evaluation.


Basically what a Grievance Letter does better than any other approach is to get serious attention from the insurer. This is because the insurer must report on a semi-annual basis to the Arizona Department of Insurance (ADOI) how all of the provider grievances were handled. For example, were the majority of the grievances decided in favor of the providers or the insurer? If ADOI finds that the providers' grievances are not being sufficiently considered by the insurer, then ADOI can order an audit. ADOI sends personnel to the insurer to go through their books and assess fines if appropriate. No insurer wants to go through that process and so they take Grievance Letters very seriously, much more so than the usual letters and calls they receive on a daily basis. 


We call the Grievance Letter an "arrow through the heart." We strongly recommend using it whenever appropriate. Please don't be intimidated by the title of the letter. It is basically the same as the usual insurance complaint letter, simply addressed and mailed to a different person at the insurance company (the "Grievance Officer").    


To find the name of the Grievance Officer, ask the insurance company representative you are working with on the claim. If they don't know the answer, ask to speak with a supervisor. If all efforts fail, you can get the name of the Grievance Officer from the Arizona Department of Insurance. You can call the Life and Health Division at 602-364-2394 and ask for Audrey Franklin or one of her assistants, or you can email your request to Finally, be certain to send a copy of your grievance letter to Audrey Franklin.


As a member, you are welcome to call or email ACS with your questions about the Grievance Letter process or any other issue. ACS helps members get paid for their services. Contact ACS at 602-368-9496 or






Arizona has a legal Health Care Appeals Process that all insurers must follow. For denial of standard services or claims (as compared to urgently needed services not yet provided), here are the steps to follow:


1. Informal Reconsideration: Within two years after a claims denial, you may call, write or fax a request for an Informal Reconsideration to the insurer. The insurer has 30 days to respond.


2. Formal Appeal: If the insurer denies the Informal Reconsideration, you may file a Formal Appeal. You have 60 days following the completion of the formal Reconsideration of a denied service to request a Formal Appeal. The insurer has 60 days to make its decision.


3. External Independent Review: You have 30 days after the insurer notifies you that your Formal Appeal was denied to request an External Independent Review. Your insurer will send a copy of all relevant medical records, your request for review, the insurance policy and any supporting documentation used to make its earlier decision to the Department of Insurance within five business days of receiving your External Independent Review request.


For medical necessity cases, the Department will forward all materials to an independent review organization selected by the Department within five business days of receiving them. The reviewing organization in not connected to the insurer. The reviewer has 21 days to notify the Department of its decision. 


The Department then has 5 business days from when it receives the reviewer's decision to notify the patient, the doctor and the insurer of the decision. The insurer pays the full cost for the independent external review even if the final decision favors the insurer's position.


The external independent reviewer's decision is legally binding on the insurer and the policy holder. Either party may go to court if there is still a dispute regarding medical necessity.

The Health Care Appeals system does not apply to coverage through Medicare HMOs, multi-employer plans under ERISA, federal employee plans, any self-insured plans or workers' compensation plans.






1. Go to the webpage of the Arizona Department of Insurance (ADOI) entitled "Consumer Assistance: How to file a complaint." Click here:


2. Click on the button for Third Party Consent Form. Download, and print this form. Then have your patient complete and sign it so that you can file the complaint on behalf of your patient. 


3. Click on the button for Complaint Form. Complete the form online, print it, and mail it to ADOI at the address listed on the form. Be sure to also send in copies of any letters, notices, receipts or other documents supporting your complaint.




1. Failure of an insurance company to answer your phone calls regarding coverage or other issues.


2. Failure by an insurer to include any chiropractors in the PPO and failure to pay all chiropractic claims at the in-network rate when there are no chiropractors in the PPO.


3. Failure to pay a claim within 30 days of submission.


4. Claims indefinitely put on "pending" status with no reason given.


5. Failure to cover all reasonable and necessary chiropractic care.


6. Claiming that the damage to a patient's vehicle was too minor to cause injury without "genuine reliance" on medical records. This is a violation of ADOI Circular Letter 2000-2.


7. Any improper insurance company practice.





May 30, 2015 Seminar


Has an insurance company denied paying your claim?

Has an attorney asked you to reduce your fees?

Are the terms DUD, LOE, AOMSI, CRMA or WPI in your notes?

Do you know where to get the most reliable personal injury cases?

Would you like a better working relationship with attorneys?

Would you like a better working relationship with MD's?


This 12 hour program is being presented in one full day.  It has been approved for 12 CE/CLE hours by the Arizona Board of Chiropractic Examiners and includes the new 2 hours of mandatory record keeping requirement.  AZCE14003  To register go to: Case Management Phoenix


When you get to the payment page enter "ACS" in the discount code box and you will be able to register for $200 and half of your fee will go to the Arizona Chiropractic Society. 





Vendors & Sponsors

Click here to see the sizes and costs of Corporate ads in the ACS Newsletter and online. Contact ACS at 602-368-9496 or for more information. 

PINCUS & ASSOCIATES, PC AND PINCUS & LESPRON, PC- ARE YOU TIRED OF REDUCING YOUR BILL? With offices in Tempe and Tucson, there is no longer any reason for you to routinely reduce your bill on accident cases. Call Richard Cruz, Esq. at 480.777.2599 or Michelle Lespron, Esq. at 520.888.2599 to learn how it is to work with attorneys who understand how to beat the insurance companies at their own game. You deserve to be paid for all of the work you do!!! Click here for the firm's webpage with full information.


X-RAY EQUIPMENT * NEW * REFURBISHED: WE CATER TO CHIROPRACTORS!! STANDARD X-RAY -- OWNED BY A DC FAMILY! High Frequency X-ray Systems, Digital X-ray Systems * Digital Cassettes, 300 MA Systems * Automatic Processors, Chiropractic Tables * New * Refurbished, Statewide Sales and Service. Call Lisa Dionisio at 602-275-3344 or go online to


YOUR LISTING HERE AND IN THE NEWSLETTER: Your ad is seen by the entire Arizona chiropractic profession when it appears in the ACS eNewsletter and posted on the ACS webpage. Contact ACS at
602-368-9496 or for more information.


CANCER TREATMENT CENTERS OF AMERICA: offers whole-person, integrated cancer care by combining state of the art technology and conventional treatment with nutrition, naturopathic medicine, mind-body support, massage, acupuncture, spiritual support, pain management, rehabilitation services and chiropractic care. For more information, your patients can call 800-234-9113 or go to


CUSTOM X-RAY DIGITAL EQUIPMENT SALES & SERVICE: Dedicated to the Arizona Chiropractic Professional. Offering affordable X-Ray and Digital X-ray solutions since 1968. Affordable leasing programs, pre-planning services, lead shielding quotations. Processors, film, headrest paper, chiropractic tables, service/repairs/annual calibrations/digital service/support/computer IT support services, affordable service and support. Call for Shawna @ 602-439-3100 or 800-230-9729 --


CHIROFUTURES MALPRACTICE PROGRAM: Securing the future, managing your risk. Comprehensive coverage and competitive rates. Best value in the market. Contact: or 800.219.9090 Key administrator is Dr. Matt McCoy, a name long associated in chiropractic with integrity and intelligence.


RICHCOR TABLES, MODALITIES AND SUPPLIES: Richard Corcilius is tried and proven having served the profession for over 25 years. Call 480-334-7430 or email


ECLIPSE PRACTICE MANAGEMENT SOFTWARE: Auditors say it "sets a new bar" for documentation. And it's topped independent polls for decades. ONC-ATCB Certified. Call: 800.966.1462.


BOARD COMPLAINT? I CAN HELP: Mandi J. Karvis, Esq. of Sanders & Parks, P.C. I regularly appear before the Board and am familiar with their expectations. Call 602-532-5816.


DAVID TALLMAN, DC, NMD PRACTICE EXCLUSIVE TO PROLOTHERAPY for over 10 years. 480-922-1101 or for more info.


NORTHSTAR HEALTHCARE: Ambulatory surgical centers specializing in minimally invasive surgery. 480.398.8500.


JEFF WOOLSTON -- LEGACY WEALTH STRATEGIST: Teaching families how to break the bonds of financial slavery while creating a multigenerational legacy. 480-326-7953 


Breaking News & Updates





BREAKING NEWS 3/05/15: ACS releases March 2015 eNewsletters with stories about ACS bills stall in State Senate, how as health care professionals do we listen, what you should demand whenever you get a claims denial, personal injury case management seminar, breaking news, and much more. Click here to read the entire newsletter.

BREAKING NEWS 02/02/15: ACS releases all new February 2015 eNewsletter with key stories about ACS legislation pending hearing in a Senate committee, a full directory of all ACS reports on the Chiropractic Board posted online, listing of key newsletters by Dr. Immerman which review the scientific literature and which are also posted online, and much more breaking news. Click here to read the entire newsletter.


BREAKING NEWS 01/08/15: ACS releases all-new January 2015 ACS eNewsletter with stories about ACS lobbyist continues fierce pace at Legislature, how you can qualify as an expert in clinical biomechanics, the time to join ACS is now, ACS Find-a-Doc search engine is working, and the complete ACS personal injury package. Click here to read the entire newsletter.


BREAKING NEWS 12/06/14: ACS releases all new December 2014 ACS eNewsletter with key stories about ACS to wage all-out legislative war against ASHN, status of pending lawsuits, PI case killers, ACS Find-A-Doc Search engine is working, new financial opportunity for chiropractors, and much more. Click here to read the entire newsletter.


BREAKING NEWS 11/3/14: ACS releases all new November, 2014 eNewsletter with key stories about ACS lobbyist storming the Arizona Legislature, one doctor's consequences for routinely waiving copays and deductibles, status of pending lawsuits, can Delta V predict injury likelihood or severity, Board action alert, and key breaking news stories. Click here to read the entire all new newsletter.


BREAKING NEWS 10/02/14: ACS releases all new October, 2014 eNewsletter with key stories about ACS's successful mission to reform the Chiropractic Board over the past ten years, status of pending  lawsuits, upcoming seminar Personal Injury Case Management, the time to join ACS is now, and details about the ACS Functional Medicine, Natural Hygiene and Fasting Center online. Click here to read the entire newsletter.


BREAKING NEWS 09/04/14: ACS releases all new September 2014 eNewsletter with key stories about the anatomy of the chiropractic insurance equality law and the benefits that will come from having it enforced, the real relief that will come from pending lawsuits against insurance companies, a great new upcoming seminar in personal injury case management, the best solution to your cash practice, and much more. Click here to read the entire newsletter.


BREAKING NEWS 08/05/14: ACS releases all new August 2014 ACS eNewsletter with key stories about how legislation and litigation will be the key to progress, ACS preparations for the 2015 Legislation Session, news about pending lawsuits, consequences of failure to properly fill out CA paperwork, and management of whiplash disorders. Click here to read the entire newsletter.


BREAKING NEWS 07/03/14:  ACS releases all new July 2014 eNewsletter with key stories You've Got Questions, We've Got Answers, Obamacare Section 2706 requires insurers to pay DCs no less than they pay MDs and PTs, ACS continues preparations for 2015 legislative session, real relief will come from pending lawsuits, and much more. Click here
 to read the entire newsletter.
BREAKING NEWS 06/04/14:  ACS releases all new June 2014 ACS eNewsletter with key stories about Sen. Nancy Barto being named Legislator of the Year, plans for legislation unveiled, more information about pending lawsuits, LaBombard demands, toxemia, and more. Click here to read the entire newsletter.


BREAKING NEWS 05/16/14: Dr. Dan Murphy reviews new clinical guideline "Management of Whiplash Disorders." Click here to read his review and learn how to buy a copy of the guideline.


BREAKING NEWS 05/06/14: ACS releases all new  May 2014 eNewsletter with breaking news stories about failure of all chiropractic bills to pass this legislative session, plans to file lawsuits against BCBS and ASHN, action steps needed to combat $12 fee for depositions, the cause of colds, flu and infectious diseases, and much more. 

Click here to read the entire newsletter.


BREAKING NEWS 04/05/14: ACS releases all new April 2014 ACS eNewsletter with breaking news stories about lawsuits which will bring needed relief to profession, status report from Arizona Legislature, news that AAC AHCCCS bill was killed in the State Senate, everything you could ever need to know about liens, great article about fasting, loads of breaking news, member benefits, corporate members, and much more.  Click here to read

the entire newsletter in PDF format.

BREAKING NEWS 11/19/13: ACS releases 2014 Legislative Information Proposal and Documentation Part One and TwoWe request that all legislators read this vital document in anticipation of meeting with our lobbyists, doctors and patients. ACS lobbyist Timothy LaSota was recently profiled in Phoenix Business Journal article. Click here to see Dr. Immerman's testimony on insurance equality testimony from early in 2013 beginning at the one hour, ten minute mark. 


BREAKING NEWS 09/21/13: ACS releases full HIPAA compliance package for 09/23/13 deadline to comply with new rules. The package has been emailed to members and is now posted on the Member Benefits page under HIPAA Compliance.


BREAKING NEWS 08/23/13: Court of Appeals rules chiropractors can be paid $12 for depositions as fact, not expert, witnesses. Click here to read full Court decision, click here to read Amicus brief filed with Court by ACS, and click here to read full ACS report including guidelines to know when expert questions are being asked and you can demand to be paid expert, not fact, fees in a deposition. ACS and others are asking Court to reconsider its decision. NEW: Click here to read ACS Amicus motion for reconsideration 09/04/13 and click here to read Court's denial of motion dated 09/13/13.


MOST READ: How to Use the Health Care Appeals, Grievance and Timely Payment Laws to Get Paid. ACS has made key Member Benefit documents public so entire profession can use powerful key tools to get paid. Click here for complete information. Much more information like this available to members. Join today online!


MOST READ: ACS releases Low Speed Impact Defense Package including a letter to send to a claims adjuster who has raised low speed impact arguments, telling you to limit treatment because property damage was minor. The package is posted on the Member Benefits page, #35.1 to 35.6.


MOST READ: ACS publishes Complete Directory to Personal Injury Resources, superior to many hours of seminars and hundreds of dollars of expense. Based on Dr. Immerman's 73 trials and 50 depositions in the past 15 years with overall 700 case reviews. 


MOST READ:  11.3 - Letter to fight refund demands. If you receive a refund demand, contact ACS. 34.1 -- Who Can an ARS 33-931 Lien Be Enforced Against by PI attorney Steve Pincus.  Also: New PI/health insurance lien forms for health insurers that refuse to honor assignments of benefits. New liens grant more rights than county liens plus work in UM/UIM cases. Also, all new ASH Claims Denial Center with key analysis at 11.5.


MOST READ: Watch live testimony from the Legislature as Dr. Immerman argues that chiropractic should be included in health insurance. Click here to see 2013 video. Begin at the one hour, ten minute mark. Click here to see earlier video. Begin at the 50:30 minute mark.


Read all BREAKING NEWstories at where they are constantly updated. Check back frequently for updates.


Special Treasures Member Benefits


ACS is affiliated with an organization that offers health insurance for businesses with one or more employee. This insurance is guaranteed issue with no medical questions asked. PPO, HMO and HAS plans available.



ACS offers all of the documents you need to appeal insurance claims denials including health insurance, ASH and workers' compensation. Also: Sample financial hardship agreements, eleven sample template letters to appeal claims denials, how to use chiropractic guidelines to defend the care you have given.



ACS documents thoroughly explain ERISA in terms easy to understand, and tell you exactly how to appeal a denied claim using ERISA rules.



This section provides the referral to the best book and website ever created to teach you how to get referrals from MDs and DOs.



ACS provides extensive information about how to be compliant with the Arizona Chiropractic Board with your record keeping and documentation. Also supplied are many of the forms you will need for record keeping. Learn what is needed to get a claim approved by BCBS and ASH. Also: Dr. Gregg Friedman's webinar on record keeping, Informed Consent Form, Examination Form for Multiple Body Regions, Comprehensive HIPAA Compliance Forms, Outcome Assessment Tools for Neuromusculoskeletal Conditions.



This section includes the Medical Records Protocol which you are required to have on file according the laws and rules of the Arizona Chiropractic Board. It also includes a limited power of attorney to use when insurers refuse to honor assignments of benefits.



This section addresses balance billing and LaBombard issues in auto accident cases, how to get an attorney to pay your bills, attorneys' obligations when there is a lien, PI office forms, and the UCC lien which you should use in every PI case.  Also: Medical PI Lien and Lien Acceptance Policy form for patients, Letter to Get Attorney to Release Settlement Monies He Has in Hand, and Who Can a County Health Care Lien Be Enforced Against.



This section teaches you how to become a courtroom expert in the Clinical Biomechanics of Whiplash Injuries.



All of the materials you need to comply with the September 23, 2013 deadline.


Classified Ads



Click here to join or donate live online using our secure server 



CHIROPRACTIC ASSISTANT TRAINING: Trust Experience with Dr. Rosalind Canham, DC. AZ Board Approved ONLINE $380. Live class in Tempe March 20-22. Register TODAY Call 1-888-900-3382 or ONLINE at




IN THE GILBERT/TEMPE, AZ AREA. Must be enthusiastic, passionate, and willing to learn. Will earn better than average pay plus bonuses.  Reply to      SM



CLINIC:Arizona licensed DC, full-time, for a rapidly expanding clinic.  If you are a great adjustor, be part of this growing, enthusiastic team by emailing your resume today!


CAMELBACK MEDICAL CENTERS OF PHOENIX, ARIZONA is looking for honest and ethical Chiropractic physicians to join our team. We need someone who is highly motivated, willing to learn, is a self starter and looking to join a multi-discipline group practice. All training included. Compensation package includes: Base salary with performance bonuses, 401K with matching and health insurance paid at 50%. Opportunity to buy shares in our practice for the right Physician. Email cover letter and resume at 


CHIROPRACTIC ASSOCIATE/CLINIC DIRECTOR WANTED: We are an integrated health facility that is looking for a great leader. If you want to be part of a great team, please apply. Salary based on experience. We offer health benefits, 401K and bonuses. Contact


WANTED ASSOCIATE DOCTOR WHO IS EAGER TO LEARN AND EARN IN AZ: North Scottsdale AZ.  Must have at least 2-3 years of practice experience. Would like candidate to have some experience with AK, muscle testing, Brimhall protocols, laser, percussors, etc., but not an absolute MUST SEND RESUME to . Website                 CS


We are seeking a motivated, ethical DC to run one of our established clinics in the Phoenix area.  We provide all office, marketing, billing and support staff for you.  The doctor focuses on patient care!  Arizona PT license and experience required.  COME JOIN OUR TEAM! Competitive base salary plus generous bonus package. Email resume to                       SM


ASSOCIATE IN A PRACTICE with significant amount of professional athletes amongst family practice. Need only apply if highly motivated; extremely extroverted; and health, fitness and sports are a huge part of your life. Send resume to

DOCTOR POSITION AVAILABLE: Chiropractor wanted for a well established office in Buckeye, AZ. Looking for energetic doctor with great patient skills and a current AZ DC/PT license to join our team. Email resume to or call 623-572-9820 ask for Cynthia.                       CB           


Generous Salary, Insurance Benefits, Profitable Bonuses, Paid Vacations & Holidays, Excellent Retirement Plan. East Valley/Mesa, AZ. AZ License & PT Certificate Necessary. Must be in Good Standing with Chiro Board. Email CV to apply


AZ SPINE DISC AND SPORT is looking for a well-rounded experienced chiropractor to join our team. AZ Spine Disc and Sport is a chiropractor owned, multi-specialty, progressive sports medicine and pain management clinic. More information on the clinic is available at Contact Angela J. Christopher, DC at 480-759-1668 or at


STAFF ASSOCIATE CHIROPRACTOR POSITION.  We are an Arizona, South West Valley Chiropractic office.  Our practice is mainly personal injury and wellness based. We are currently reviewing curriculum vitae's. Requirements: F/T, M-F and Sat. AM, PT cert., Spanish speaking, heavier handed, fully proficient in Diversified, Activator Technique and drop table techniques, must be able to manually adjust 300+ pound individuals using side posture and anterior dorsal techniques, superior Customer Service and Care - High Energy. Email CV to


CHIROPRACTIC ASSOCIATE POSITION in exciting fast growing medical clinic Phoenix AZ.  Integrated health clinic looking for great, self-motivated, enthusiastic chiropractor to join our team. Full-time position, offering training, professional development, learning opportunities with potential for growth.  Salary / bonuses offered. AZ License & PT Certificate necessary. Recent graduates welcome. Team player, Energetic, Willingness to learn. Please send resume with cover letter to: or contact us directly at 480.460.1399.


BUSY N.W. DR.S OFFICE needs associate doctor to join our well established practice.  Please call for an interview.  (623) 878-4000.   MG

ASSOCIATE FOR N PHOENIX PRACTICE - Diversified, fully-equipped, 28 np/mo & 83 pv/week, collections $260K+.  Beautifully appointed clinic, great location, seeking doctor looking for opportunity of ownership.  Call Dr. Jack 480.575.8095.



PRACTICE FOR SALE MESA: Same great location for 30 years. Diversified practice, 102K collections last year working 24 hours/week. Priced for quick sale $55,000. Dr. retiring but will help buyer transition. Text or voice mail to 480-203-8145.



UNIVERSITY) FOR SALE OR LEASE. Doctor retiring. Practice has been in business for 30 years with established patients.  All equipment will stay with office. If interested please call 480-833-4655 or e-mail Monday thru Wednesday 8 AM to 4:30 PM. MH






RETAIL CENTERS: Owner will fund relocation costs. Increased traffic & convenience = Increased sales & client retention. Experienced retail developer with well-located, grocery anchored centers in MESA, PEORIA and GILBERT.  Call or email for more information: Bryan Lamond (480)-235-9999,




AHWATUKEE: Established 10 year old practice, great location off I-10 and Chandler Blvd. Paperless office, X-ray and full equipment provided. Looking to cut overhead.  

Please email 


CHIROPRACTIC OFFICE TO SHARE.  Fully equipped, modern 1500 sq. foot free standing building in mid-town Tucson.  Doctor/owner practicing part time after 35 years in practice.  Please email



This newly renovated office with excellent location offers 7 treatment rooms with a modern reception area at an affordable price. Take a virtual tour at Call 602.618.3742 soon as this property will not last long!   DB

SOLD PRACTICE but not ready to retire...looking for independent contractor position, room to rent, vacation relief or part-time associate opportunities preferably in the south Gilbert Dr. Mike at 480-639-8108.




motorized table $2500 and 2 Leander lite tables $1700 ea, SUMMIT
X-RAY MACHINE $4000, MINI-MED X-ray processor $800, HILL Anatamotor $1700, Diathermy unit $350, and much more.





The size is 35 words maximum; cost is $40 per month for members and
$80 per month for nonmembers.  
Deadline is the 28th of the month preceding publication of the next issue.  Classified ads are also posted online on the ACS Online Classified Ads Page for no additional cost.   The ACS monthly newsletter is seen by the entire Arizona chiropractic profession when it appears in the ACS eNewsletter and posted on the ACS webpage. Contact ACS at 602-368-9496 or for more information.