Financial Advice Phoenix Arizona 'Credit Repair'

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					JANUARY 1997 ICP NEWS
RECREDENTIALING TIME IS HERE AGAIN

       Please immediately mail to ICP a copy of your 1997 state license renewal slip, and the
declarations page showing that you currently are covered with malpractice insurance. Mail to
ICP at 8229 N. 53rd St., Paradise Valley, AZ 85253.

ICP--YOUR CONNECTION TO THE PRINCIPAL FINANCIAL PPO

       ICP is the exclusive recruiting and credentialing agent in Arizona for Managed
Chiropractics (MC). MC has an exclusive contract with ADMAR MedNetwork, the largest PPO
in Arizona. ADMAR was recently purchased by Principal Financial. As of March 15, 1997,
Principal will be canceling all of its contracts with Arizona chiropractors. Membership in ICP
and MC will be required to participate in the Principal Financial PPO.

       ICP is making every effort to accommodate those doctors who are presently contracted
with Principal Financial. If you would like to remain a member of this valuable PPO, or if you
would like to participate for the first time, contact ICP immediately.

COALITION FOR PATIENT CHOICE LAUNCHES 1997 PATIENT PROTECTION
ACT

        The Coalition for Patient Choice, a medical organization chaired by a Scottsdale doctor,
has launched the 1997 Patient Protection Act (PPA). This bill would require that all HMO
patients be offered the opportunity to buy out-of-network (“POS”) coverage. The cost would be
approximately $15 per month more than basic HMO coverage. The POS plan would pay 80% of
all necessary medical and chiropractic charges after a deductible of $250. Initially ICP thought
that the AAPS, an M.D. organization that sponsored the 1996 PPA, had decided to support the
1997 PPA. However, AAPS has informed ICP that the organization has not yet made a decision
so ICP is now working directly with the Coalition for Patient Choice.

        The prime sponsor of this bill is Rep. Jim Weiers of Northwest Phoenix. Rep. Weiers is
the Chairman of the House Rules Committee and is considered a special advisor to House
Speaker Don Aldridge. Rep. Weiers has pledged to devote a large amount of time and energy to
the passage of the 1997 PPA.

LEGISLATORS TO INTRODUCE BOARD BILL TO DEFINE UNPROFESSIONAL
CONDUCT

        Key legislators have informed ICP that they plan to define unprofessional conduct in law
rather than letting the Chiropractic Board pass rules. Also, there is a plan to eliminate mention of
“standards of practice” in the chiropractic statute.

       For years ICP has criticized the chiropractic law because there have never been any
written definitions for unprofessional conduct and practice standards. This has permitted certain
Board members to use the law in an arbitrary and capricious manner to strike out at political
enemies and economic competitors. Also, some chiropractors are suspected of planning to use
the “practice standards” language to impose Mercy-like standards on the profession.

       Last month ICP faxed copies of the proposed Chiro Board definitions to hundreds of
chiropractic offices. Suggested changes have been taken by ICP to the Legislature where some
have been accepted and some rejected. It is likely that the Legislature will act to define
unprofessional conduct in law, and remove all mention of practice standards.

LETTER TO THE EDITOR FROM LEONARD RUDNICK, D.C. OF TUCSON--
MANAGED CARE PLANS AREN‟T ALL THEY ARE “CRACKED UP” TO BE!!

        “Dear Editor: As you know, I have always supported ICP‟s efforts on behalf of our
profession. I have also agreed with most of ICP‟s positions regarding the direction we should go
in order to promote alternative health care for all consumers and all providers. Even if I do not
agree with ICP, I appreciate ICP. ICP‟s recent update fax made mention of the tremendous
advantage the „elite few‟ chiropractors had being included in managed care programs. I have
never seen ICP be so wrong about anything!

        Managed care pays $9.50 per visit plus $10.00 co-pay. Few doctors, if any, can process a
patient for $19.50 per office visit. Those of us „lucky‟ enough to participate in these plans lose
money with every patient and every office visit.

       In addition, the paperwork for each patient takes at least 1 hour of additional time, for
which we receive no compensation. There are also no guidelines so we never know if or why our
requests for treatment are denied. By far, the two worst offenders are CAN and Landmark Health
Care. The latter even demanded multi-page doctor and patient surveys to be filled out, of course
without compensation.

        Managed care for participating chiropractors is a nightmare that could easily put a doctor
out of business.

       Please make sure to correct this error in your next ICP update.

                      Thanks,

                      Leonard W. Rudnick, D.C.

Editor‟s Response to Dr. Rudnick: Thank you for your insight into the nightmare of inclusion
into some managed care plans. Your experience and that of others has led ICP to work hard on
POS legislation that would give patients the choice of receiving care outside of HMOs and PPOs.

LIBERTI SEMINAR TO PRESENT PERSONAL INJURY PROGRAM IN PHOENIX
       On February 8-9, Dr. Frank Liberti will be teaching Arizona chiropractors how to fight
back against unfair insurance company practices. Dr. Liberti is well-known nationally as a
tireless fighter against the exact types of insurance problems that chiropractors confront.

        The Liberti Seminar has been endorsed by ICP. Therefore, ICP members will receive a
$100 discount on the seminar. Be sure to call 1-800-LIBERTI (542-3784) to register. This will
be the best $299 you have ever spent.

TO WHOM ARE CHIROHEALTH AMERICA‟S COMMISSION FEES BEING PAID?

        In recent months the AAC has strongly promoted ChiroHealth America (CHA). ICP had
an agreement to promote CHA long before the AAC became involved. For each ICP member
that joined CHA, ICP was paid $100. This money was put into the general ICP account to fund
ICP‟s managed care marketing effort, legislative and legal campaigns.

        To whom are CHA‟s commission fees now being paid? Is the $100 per member fee being
paid to the AAC? Or is the fee being paid to certain AAC leaders? ICP has learned that Activator
Methods, a for-profit company owned and operated by AAC 1st Vice-President Arlan and AAC
Publications Editor Diane Fuhr, is promoting CHA in its national magazine. Is CHA paying
commission fees to Activator Methods?

       In 1994 Arlan Fuhr taught Arizona chiropractors how to comply with OSHA Bloodborne
Pathogen Requirements. Seminar attendees were strongly encouraged to purchase an expensive
“OSHA compliance kit” supplied by Activator Methods. Dr. Immerman, then Second-Vice
President of the AAC, demanded to know if the kits were being sold at full retail with profit
going to the Fuhr‟s company. The Fuhrs were forced to admit that this was the plan.

        Following exposure, the Fuhrs agreed to sell the kits at wholesale. Later, ICP revealed the
fact that Arizona OSHA officials were not concerned about chiropractic compliance with OSHA
bloodborne pathogen requirements. The Fuhr seminar and kits were never actually needed by the
profession. It is no surprise that the AAC and the Fuhrs have not mentioned a word about OSHA
requirements since that time. You can also expect silence regarding the CHA commissions.

                    ICP--YOUR SOURCE OF THE TRUTH
                AND YOUR CONNECTION TO MANAGED CARE


  INDEPENDENT CHIROPRACTIC PHYSICIANS, INC.
           8229 NORTH 53RD STREET
          PARADISE VALLEY, AZ 85253
              PHONE (602) 991-7131
                FAX (602) 991-7187
FEBRUARY 1997 ICP NEWS
WAR ERUPTS IN THE LEGISLATURE OVER HMO BILL
       ICP and its allies including medical, osteopathic and optometric organizations, are
supporting HB 2051, a bill introduced by Rep. Jim Weiers, Chairman of the House Rules
Committee. This bill would allow all HMO enrollees to purchase out of network coverage once
each year. If purchased, this coverage would allow patients to see any MD, DO, DC or OD.

        HMOs want to have a captive audience that they can completely control. They do not
want their enrollees to be able to buy their way to freedom. Therefore, they have sent in their big
guns to kill the bill. ICP and its allies are fighting the lobbyists for BCBS, CIGNA, Intergroup,
Aetna, FHP, Partners and Humana. The HMO lobbyists have stated that if one employee buys
the out of network coverage, then the overall cost of insurance will increase for the employer.
Therefore, the Chambers of Commerce and the NFIB are also fighting the bill. It is truly war at
the Capitol.

        But you can help if you will take action on Monday, 2-3-97. A vote on HB 2051 has
been repeatedly postponed, but ICP has been assured that a vote will take place on Tuesday, 2-4-
97, at 1:30 PM. Calls to legislators can turn the tide. If you live or work in any of the following
areas, immediately create a blizzard of calls to the following legislators:

Scottsdale                            Rep. Wes Marsh                                542-5503
Northeast Phoenix                     Rep. Robin Shaw                               542-5408
North/North Phoenix and PV            Rep. Tom Horne                                542-5977
Mesa                                  Rep. Marilyn Jarrett                          542-3163
Chandler                              Rep. Richard Kyle                             542-5549
South Tucson                          Rep. Sally Ann Gonzales                       542-4089
Central Phoenix                       Rep. Ken Cheuvront                            542-5895

        The AAC has introduced a separate bill, HB 2441, that allows purchase of out of network
coverage. HB 2441 also requires that patients be allowed to bypass gatekeepers and go directly
to specialists. This is a provision that is only of benefit to those few chiropractors who hold
HMO contracts. However, this provision is so noxious to the HMOs that there will be some
major blood spilled to block it.

        The AAC bill also includes homeopaths, naturopaths, psychologists and physical
therapists. Unfortunately, the AAC legislative committee does not have the experience to know
that the addition of these extra providers makes a bill much harder to pass. The AAC bill requires
all HMOs and insurance companies to develop criteria for treatment with the input of each type
of licensed provider. Therefore, under this bill, all HMOs and insurers would be required to hire
a consultant MD, DO, DC, OD, homeopath, naturopath, psychologist and PT. The carriers are
extremely opposed to this language.

AND MORE NEWS FROM THE LEGISLATURE

       At the request of ICP, Sen. Tom Freestone has introduced a bill, cosponsored by Senate
President Brenda Burns, that would solve the profession‟s problems with the Department of
Insurance‟s (DOI) interpretation and enforcement of the chiropractic insurance eqality law.
While ICP believes that the original insurance equality law is properly written, and that ICP
would prevail over DOI in litigation, ICP has elected to pursue a legislative solution at this time.
If this bill does not pass, ICP will file for a hearing with DOI.

        ICP has also been involved with Sen. Day‟s wonderful insurance appeals bill, SB 1098.
This bill will allow patients who have had claims denied to file an appeal with DOI. DOI would
then have to hire a doctor to determine if the treatment was truly medically necessary. The
insurance companies will have to pay the cost for the consulting doctor.

         The original version of this bill stated that DOI would have to choose a consulting doctor
from a list of doctors supplied by the insurance companies. Obviously, this would not result in an
independent review. ICP lobbied many legislators who then went to Sen. Day. Now the bill
states that the consulting doctor will be chosen from lists supplied by insurers and health
associations. This is a definite improvement.

        SB 1098 still contains provisions stating that the consulting doctor must be board
certified or board eligible with an American Medical Specialty Board. This language,
undoubtedly suggested by the Arizona Medical Association (ArMA), means that all consulting
doctors must be medical doctors. Therefore, unless SB 1098 is changed, all chiropractic claims
will be reviewed by orthopedic surgeons and physical medicine specialists. This is obviously
unacceptable so ICP is working to change it.

        HB 2050 is another extremely important bill that would place the Chiropractic Board‟s
definitions of unprofessional conduct into law, and which would remove the Board‟s power to
revoke your license if you practice contrary to “recognized standards in chiropractic.” Rep.
Weiers made a presentation to the Chiropractic Board regarding this bill, and representatives
from the Board have subsequently met with Mr. Weiers at the Capitol. All parties remain hopeful
that the Board and the Legislature will agree on compromise language so that HB 2050 can be
enacted.

        Your lobbyists, Jeff Nelson and Dr. Immerman, are each spending 30-40 hours per week
at the Legislature fighting for chiropractic and insurance reform. If you could only know what
goes on behind the scenes you would be incredulous. Call ICP and arrange a day where you can
accompany one of the lobbyists to the Capitol. It would be an unforgetable experience.

CLARIFYING THE RELATIONSHIPS BETWEEN ADMAR AND THE PRINCIPAL
COMPANIES

       ICP has recently received a letter from ADMAR which explains the relationships
between ADMAR and all of the various Principal companies. The following is the letter
reproduced in whole:

“Dear Dr. Immerman:

       I am sending you this letter to clarify the issues we spoke of on the phone.
        Principal Health Care, Inc. completed the purchase of Admar Corporation in March of
1996. Principal Health Care, Inc. Then assigned the financial assets of Principal Health Care,
Inc.--PPO, Arizona Division, back to Admar Corporation. Subsequently, Principal Health
Care, Inc.--PPO, Arizona Division, assigned its physician, hospital and ancillary contracts to
Admar Corporation effective August 1, 1996.

        Admar Corporation is now a wholly owned subsidiary of Principal Health Care, Inc. as
is America‟s Health Plan. Principal Health Care, Inc. is a wholly owned subsidiary of THE
PRINCIPAL FINANCIAL GROUP. Principal Mutual Life Insurance Company is also a wholly
owned subsidiary of THE PRINCIPAL FINANCIAL GROUP, and the major payor for claims
for the aforementioned subsidiaries.

        A unification process is currently underway to combine the PPO networks of Admar
Corporation‟s MedNetwork in Arizona and Principal Health Care, Inc.--PPO, Arizona Division.
We hope to have this process completed by April 1, 1997. Principal Health Care, Inc.--PPO,
Arizona Division terminated the agreements of all chiropractors not currently on MedNetwork as
one of several steps toward this unification.

       As a result of these termination letters we were inundated with telephone calls. Admar
Corporation uses chiropractors who belong to your chiropractic IPA so we gave your phone
number to these callers, thus giving them the opportunity to make inquires into joining your
organization.

       I hope this letter and supporting materials I have attached will clear up any of the
confusion you have had regarding our company.

                       Sincerely,

                       Mary Tatum
                       Associate Executive Director
                       Admar Corporation
                       State of Arizona”

Editor‟s Note: Attentive readers will note that this explanation of the relationships between
Admar, the Principal companies and ICP‟s is completely different from what the AAC has told
the profession in its publications. Hopefully, the AAC will halt its campaign of spreading
mistruths about ICP and its business arrangements.

ONE MORE TIME--SEND IN YOUR CREDENTIALS
       Thanks to those members who sent to ICP last month proof of malpractice coverage and
1997 licensure. If you are one of those who forgot, please do it at this time. Recredentialing is a
mandatory part of your participation in ICP‟s managed care plans.

THERE IS STILL TIME TO REGISTER FOR THE LIBERTI SEMINAR

       Dr. Liberti‟s seminar program will be coming to Phoenix the weekend of February 8 and
9. This is definitely a seminar for those of you who feel like you‟ve “had it up to here” with the
insurance companies and you are just not going to take it anymore!

        As with all seminars, you will like some of what you learn and discard other information.
Why don‟t you come and check it out for yourself? Dr. Liberti has offered to refund the seminar
fee of any attendee asks for a refund prior to 4 PM on Saturday, February 8.

       Many doctors were stunned by the AAC‟s (read: Diane Fuhr‟s) attack on Dr. Liberti‟s
program. It seems that the AAC editor is automatically against anything that ICP favors. Call
Kent or Lori at 1-800-542-3784 so that you can find out for yourself what all the controversy is
about. Also, ICP has the names of doctors who have recently attended a Liberti seminar and
liked what they heard. Call ICP for references.

A PERSONAL NOTE......ABOUT THE LAWSUIT BETWEEN DR. IMMERMAN AND
SOME AAC DIRECTORS by Alan M. Immerman, D.C.

       Recently the AAC spent $1,000 distributing a newsletter to tell members that a lawsuit I
filed was decided in favor of the AAC Directors. As usual, the AAC writer distorted the truth.
Here are the facts.

        In 1994, the AAC membership voted to fight for insurance equality in the 1995
Legislature. Drs. Fuhr and Peterson voted to make mandatory continuing education the top
priority. Having worked with these individuals, I believed that they would ignore members‟
wishes and place their priority of continuing ed ahead of the profession‟s priority of insurance
equality.

        As the months passed, I watched my fears become reality. Fuhr and Peterson pretended to
pursue insurance equality while they in fact worked solely on continuing ed. I watched as these
so-called leaders betrayed the trust placed in them by the naive membership of the AAC.

       This duplicity was so wrong that I decided to try to turn the direction of the legislative
program back to insurance equality. I argued at Board meetings and sent faxes to Board
members. Finally, when I threatened to expose their deceptive plan to the membership, Fuhr and
Peterson decided to remove me from the Board.

        Fuhr and Peterson spent hours on the phone prior to the 12-10-94 Board meeting lining
up votes to remove me from the Board. They told Board members that the AAC simply couldn‟t
move forward with me on the Board. What they really meant was that their effort to sandbag the
Board was going to fail if I was around as a watchdog. Because many of the Board members
hold important positions with Fuhr‟s Activator Methods business, and many others receive
referrals from Activator, the Board could hardly be called a neutral, unbiased body.

         At the 12-10-94 Board meeting, Peterson distributed a multiple page indictment of me to
all of the Board members. I was not given a copy. Members were given five minutes to read the
paperwork and I was given five minutes to respond to something that I had never read. I asked
the Board to order Fuhr, Peterson and me to go to arbitration to peacefully resolve our
differences. I stated that the Bylaws required that Board members arbitrate their differences. In
spite of my plea for peace and unity, many of the Board members, already pre-sold by Fuhr and
Peterson, voted to remove me from the Board. Thus began the political split in Arizona between
the AAC and ICP, a split that could have been avoided had Fuhr and Peterson been willing to
arbitrate our differences.

        The AAC Bylaws required that each Board member sign an arbitration agreement called
the “Integrity Agreement” (IA). The IA stated that it “applied to all disputes between the
parties.” When AzCA and the CAA merged in 1991, I had insisted that the IA be included in the
Bylaws in order to prevent divisiveness in the profession. When Fuhr and Petersen refused to
arbitrate our differences, I filed a lawsuit to force them to do so according to the terms of the IA.
In the first scrimish of what will be a multi-year legal war, the Fuhr/Petersen club has won.
However, this fight is long from over and I am confident that I will win in the end.

        For almost 15 years the same “good old boys” have run the state association. Peterson,
Gerrard, Dahl, Weathersby and Fuhr have run the show for many years. They decide among
themselves who will run for office, and they are never challenged. They play a game of “musical
chairs.” Remember that “power corrupts and absolute power corrupts absolutely.” These
individuals believe that they know what is best for the profession and that your input is really not
needed. They surround themselves with specially selected Board members who will consistently
“go along to get along.” They try to get their friends appointed to the Chiropractic Board to
further cement their control. If anyone should dare to challenge them, they set up a “kangaroo
court” and “railroad” them out of town. I dared to challenge the old, tired chiropractic political
leadership and have never regreted doing so.

                ICP--YOUR SOURCE OF THE TRUTH

        INDEPENDENT CHIROPRACTIC PHYSICIANS
          ALAN M. IMMERMAN, D.C., PRESIDENT
               8229 NORTH 53RD STREET
            PARADISE VALLEY, ARIZONA 85253
                  PHONE (602) 991-7131
                    FAX (602) 991-7187
MARCH 1997 ICP NEWS
ICP PATIENT PROTECTION ACT NEARS HOUSE VOTE

        The ICP Patient Protection Act, HB 2170, will be voted on by the House of
Representatives before the deadline of 3-14-97. HB 2170 passed committee on 2-21-97 by a vote
of 5-1.
       The purpose of HB 2170 is to provide HMO patients an opportunity to spend their own
money to purchase out of network coverage which would pay for medical and chiropractic care
rendered by non-network doctors. The major controversy over this bill has been focused on
whether or not the bill would increase costs for HMOs and/or employers.

        In retrospect, it is possible that the original version of HB 2170 might have increased
costs for HMOs and/or employers, in spite of the intent that costs only be increased for those
patients who purchased the additional coverage. To resolve this problem, ICP hired an expert
actuary from the world-renowned firm of Milliman and Robertson. The actuary suggested some
changes in language that would assure that the full cost of the out of network coverage would be
paid by the patient, not the HMO or employer.

       Once ICP adopted the expert‟s recommendations, some major HMO and employer
groups dropped their opposition to HB 2170. This splintered the opposition and helped gain
support among legislators.

        The AAC bill, HB 2441, was trounced in committee on 2-20-97 by a vote of 2-8. The
primary reason this bill was defeated is that it contained the old language originally found in HB
2170 that might have increased costs to employers and HMOs. Also, the AAC bill died because
neither the AAC President Terry Peterson nor the AAC Legislative Chairman Arlan Fuhr came
to committee to testify. Instead, they sent a well-intentioned but inexperienced doctor who was
not able to clearly explain and defend the AAC bill.

       The ICP Patient Protection Act is supported by the Arizona Chapter of the Association of
American Physicians and Surgeons (AAPS), the Arizona Medical Osteopathic Association, the
Arizona Podiatric Association and the Arizona Optometric Association. Hopefully the AAC will
soon recover from its devastating committee loss and join the coalition which is working to pass
HB 2170.

          It is clear from recent AAC faxes that certain AAC leaders believe that HB 2170 contains
some serious flaws. ICP strongly disagrees. However, if this is a genuine and sincere belief, there
is still ample time for the AAC to propose amendments. HB 2170 can be amended on the floor of
the House, in a Senate Committee, on the floor of the Senate and/or in a conference committee.
The profession is waiting to see if the AAC will work constructively with the other groups to
enact a Patient Protection Act in 1997. Some doctors fear that the AAC will undermine the effort
to pass HB 2170 simply to avoid the embarrassment to the AAC that would result if an ICP-
backed measure passed the Legislature.

OTHER LEGISLATIVE ISSUES

        ICP continues to work to pass a bill that would solve some of the problems with the
Department of Insurance. The original ICP bill, SB 1332, failed in a Senate committee by a vote
of 3-4. ICP is now working to resurrect this measure.

       ICP also is continuing to work to pass a bill that would eliminate the Board‟s power to
revoke a chiropractor‟s license for engaging in any practice that is contrary to recognized
standards in chiropractic. While current Board members may have no intention of adopting
practice standards that would be offensive to most chiropractors, the law must be changed so that
no future Board could take such action. The original ICP Board bill was not heard in committee
in the House.

       ICP is also very concerned about provisions in the Insurance Appeal Bill, SB 1098, that
would require that all reviews of chiropractic claims be performed by medical specialists. ICP is
working closely with key legislators to fix this problem.

      If you would like to get involved in passing valuable legislation, contact ICP at (602)
991-7131.

A SPECIAL MESSAGE FROM AMERICA‟S HEALTH PLAN TO FURTHER CLEAR
UP CONFUSION ABOUT THE PRINCIPAL COMPANIES

         This letter was received on 2-28-97: “America‟s Health Plan is a national cooperating
provider network that directly contracts with individual and group providers in all 50 states.
America‟s Health Plan is a subsidiary of Principal Health Care, Inc. Providers in the America‟s
Health Plan will continue to be able to see Principal Mutual Life Insurance participants. The
relationship between ICP and ADMAR has no effect on America‟s Health Plan providers and
clients including any subsidiary of The Principal Financial Group. Sincerely, Douglas K. Tardio,
Network Management.”

ICP-THE PROFESSIONS’ LEADING ADVOCATE AT THE
                LEGISLATURE

       INDEPENDENT CHIROPRACTIC PHYSICIANS
         ALAN M. IMMERMAN, D.C., PRESIDENT
                8229 NORTH 53RD STREET
           PARADISE VALLEY, ARIZONA 85253
            (602) 991-7131 FAX (602) 991-7187
APRIL 1997 ICP NEWS
KEY VOTE ON PATIENT PROTECTION ACT SCHEDULED 4-2-97

        On Wednesday, April 2, 1997, the Patient Protection Act, now HB 2228, will be voted
upon by the Senate Appropriations Committee. If passed, it will be considered by the full Senate.
It is imperative that those of you who were asked to call Senators do your job.

       What‟s at stake? Freedom of choice for nearly two million HMO enrollees. These
individuals would have the option of buying out of network coverage which would cover any
MD, DO, DC, DPM or OD.

        This bill has followed a long and tortuous road through the Legislature. Its first
incarnation, HB 2051, failed in the House Insurance Committee. ICP then revived the bill as HB
2170 and it passed the House Government Reform Committee. HB 2170 then passed the House
on a preliminary vote but failed on final consideration. After this, ICP revived the bill in the
Senate Appropriations Committee. The Legislature will adjourn before the end of April,
therefore the fate of HB 2228 will be decided by that date.

        The AAC‟s version of the PPA died in the House Government Operations Committee.
The AAC never made an attempt to revive their bill a second or third time as did ICP. The AAC
has repeatedly criticized ICP‟s bill but has failed to supply ICP with proposed amendments that
could be used in the Senate Appropriations Committee. It remains to be seen whether the AAC
will support the only PPA that is alive at the present time. There is still time to amend the PPA if
the AAC wishes to participate.

ICP SUCCESSFUL IN AMENDING MANAGED CARE APPEALS BILL

       In the March 1997 ICP News, ICP alerted the profession about provisions in the
Managed Care Appeals Bill, SB 1098, that would require that all reviews of chiropractic claims
be performed by medical specialists. ICP has worked closely with key legislators to fix this
problem.

         As a result of ICP‟s efforts, SB 1098 was amended in the House. Now, non-specialist
chiropractors will be allowed to participate in all claims reviews except when the Department of
Insurance chooses a doctor to perform a final independent review. ICP‟s interpretation of the bill
is that chiropractors who have a specialty certification will be allowed to participate in the final
review.

       ICP is very grateful to Senator Ann Day for considering the needs of Arizona
chiropractors.

ICP PROVIDING EXPERT TESTIMONY IN PERSONAL INJURY CASES

        In the past few years the insurance industry has become extremely aggressive in dealing
with soft tissue injury cases. Insurers frequently claim that the injured victims could not have
been injured because the speed of impact was too low. When insurers do acknowledge that
injuries could have occurred, they commonly claim that the amount of chiropractic care was
excessive.

        ICP has developed a comprehensive program to bring some truth and justice to this arena.
ICP has accumulated all of the pertinent articles about soft tissue injuries and low speed impacts.
This information is being presented in arbitrations to inject some science into the discussion.

         If you or an attorney you know are having problems with an overly aggressive insurance
carrier, contact ICP.
A PERSONAL NOTE ............ BY ALAN M. IMMERMAN, D.C., ICP PRESIDENT

        A chiropractor from Tucson recently asked me: “Why can‟t you guys (meaning the AAC
and ICP) get along?” This is a good question that I believe is in the minds of many colleagues. I
will give you an example to help you understand what is happening.

        In the recent AAC Journal, Attorney David Morrison wrote about my lawsuit against
certain current and former AAC Directors (by the way, this lawsuit was never against the AAC).
Morrison‟s tone was almost gleeful when he wrote that the judge had dismissed my suit. The
underlying tone of hostility was obvious. Why?

       To understand, you must look back to 1994 when I was elected 2nd Vice-President of the
AAC. My friends Terry Peterson and Arlan Fuhr mailed an election flyer that convinced the vast
majority of AAC members to vote for me. Following my election, I promised to respond to the
needs of the members.

        One member told me about a chiropractor named Richard Christie who is also an
attorney. Dr. Christie has a tremendous amount of expertise in personal injury matters because of
his dual careers. I met with Dr. Christie and agreed that this doctor/lawyer could help our
members if we sponsored some of his seminars.

        I presented this idea to AAC President Terry Peterson and Attorney David Morrison. I
expected a positive response. However Dr. Peterson responded by saying: “If you try to change
things around here, you won‟t be here for long.” David Morrison‟s begged me not involve
Richard Christie in the AAC for fear that Morrison would have to share AAC members‟ referrals
of personal injury patients with Mr. Christie.

        Morrison explained to me that he gets 50-75 PI referrals per year from AAC members.
His average fee is about $2,500 to $3,000. On a yearly basis, therefore, David Morrison collects
$125,000 to $225,000 in fees from his AAC referrals. I was told that the bulk of these referrals
come from the AAC leaders, not from the rank and file membership. Morrison works for the
AAC for free in exchange for these referrals.
        My request to include Richard Christie in the AAC‟s educational program was a serious
threat to Morrison‟s income. Is it any wonder that he adopted such a hostile attitude towards me?
I dared to challenge the sanctity of the “good old boy”network and have endured an unending
assault from Morrison, Peterson, the Fuhrs, etc., since that time.

        Morrison‟s recent column was not objective or complete. It ignored the fact that the
judge‟s recent ruling was only the first skirmish in what will be a long legal battle. We have
already filed papers asking the judge to reconsider his decision based on certain very obvious
factual errors. It will probably take 6 months to get a response. If our motion is denied, we will
appeal to the Court of Appeals. It could take 1-2 years to get a decision. But now you have some
insight into what drives David Morrison.
    ICP--THE PROFESSION’S LEADING ADVOCATE AT
                 THE LEGISLATURE




   INDEPENDENT CHIROPRACTIC
            PHYSICIANS
ALAN M. IMMERMAN, D.C., PRESIDENT
     8229 NORTH 53RD STREET
 PARADISE VALLEY, ARIZONA 85253
            (602) 991-7131
          FAX (602) 991-7187




MAY 1997 ICP NEWS
1997 LEGISLATIVE SESSION ENDS, PATIENT PROTECTION ACT FAILS

       The Patient Protection Act came closer than ever this year to being enacted into law, but
ultimately it did not pass.

          The legislative session began with both ICP and AAC introducing PPAs. Both bills failed
in their first committee hearings, ICP‟s by a vote of 2-3 and AAC‟s by a vote of 2-8. ICP revived
its bill in the House Government Reform Committee where it passed by a vote of 5-1. The AAC
never revived its billed. After committee approval, the ICP PPA passed the full House on a
preliminary vote then failed on final consideration.
        ICP next revived the PPA in the Senate Appropriations Committee where it passed 6-5.
The bill then passed the full Senate 16-14. This is the first time since 1991 that significant
insurance reform legislation has passed either the full Senate or House. This represents a major
victory for the profession. Ultimately, the insurance industry won by having the bill reconsidered
in the Senate where it failed 18-11. Shortly thereafter, the Legislature adjourned for the year.

       ICP is already working to pass the Patient Protection Act next year. ICP has asked the
AAC to meet with an ICP representative in the next few months so that both organizations
support one bill in 1998. If you are a member of the AAC, you can promote the passage of the
PPA by asking the AAC to cooperate in such meetings.

        Newspaper coverage of the PPA was extensive. The Arizona Business Gazette on 2-6-97
printed an article entitled: “Talk of health care choices stirs Capitol. The Business Journal on 3-
7-97 published an editorial by Dr. Immerman entitled: “State health bills offer freedom of
choice.” This editorial explained that the PPA would allow individuals to buy out of network
coverage and that there would be no increase in costs to employers or HMOs.

         The Business Journal on 3-14-97 printed an article entitled: “Mandated health options
defeated on third reading.” The article stated: “Long-time Valley chiropractor and insurance
reform lobbyist Alan Immerman has been the driving force behind the bill. He said he is hoping
for a reconsideration of the bill and, if that doesn‟t happen, he said he will look to get the bill in
as a striker this session.”

        Shortly after the PPA passed the full Senate, an HMO lobbyist, seeing that the PPA was
building great momentum, planted a story with the Arizona Republic on 4-16-97 entitled:
“Lobbyist rubs some wrong.” The theme of this article was that Dr. Immerman had allegedly
given many adjustments to dozens of legislators, and that this activity was unethical. Speaker of
the House Don Aldridge, one of the three legislators adjusted by Dr. Immerman, stated: “Under
laws to regulate lobbyists, lobbyists who are professionals can provide professional services for
free as long as they do not do so to obtain a benefit for themselves or their clients. We (Dr.
Immerman and I) were not discussing health legislation, in fact, we were talking over the hate
crimes bill. The Doctor and I have been friends for over ten years.” The HMO lobbyist‟s effort to
slow ICP‟s momentum failed. Most legislators felt that the Republic article misrepresented the
truth and made a “mountain out of a molehill.”

         Two days later on 4-18-97 the Arizona Republic printed a letter to the editor from Dr.
Immerman regarding the Benson cartoon which depicted Speaker Aldridge as a Nazi storm
trooper. Dr. Immerman, a member of the Jewish community, expressed his outrage over the
cartoon. Dr. Immerman‟s letter was printed below a new Benson cartoon that depicted the
Speaker lying on a massage table receiving a treatment from a scantily clad woman labeled as a
lobbyist. The masseuse is quoted as saying: “Ooooooo!......I just love it when you talk issues
with me.” The cartoon showed the Speakers‟ prosthetic lower leg, the result of an amputation,
together with a bottle of “wood polish” for the prosthesis. Legislators and staff were sickened at
this further instance of bad taste.
       In the same issue of the Republic, in the “Political Insider” column, an article was
published entitled: “Speaker‟s chiropractor takes crack at Benson.” “Chiropractic lobbyist Alan
Immerman apparently isn‟t satisfied with just giving House Speaker Don Aldridge spinal
manipulations. Now the lobbyist is massaging Aldridge on the editorial pages........the
chiropractor wrote a blistering letter to The Arizona Republic condemning a Steve Benson
cartoon that lampooned The Donald.”

        On 4-18-97, the Arizona Capitol Times published an article: “„Patient Protection Act‟
Stumbles Again.” This article explained how the PPA was called back to the Senate from the
House after it had passed the Senate. On reconsideration, the Senate defeated the bill. “Mr.
Immerman said Tuesday that an amendment added in the Senate improved its chances of final
passage. The amendment, by Mr. Richardson, stipulates that only enrollees who receive the out
of network services can bear the cost of the added insurance premium that will be required to
cover those services.”

        On 4-17-97, the Arizona Business Gazette stated: “Insurance companies are still battling
on another legislative front. The relentlessly reincarnated point-of-service bill, now on its fourth
ride through the process, is awaiting Senate approval.”

         On 4-28-97, the AAC joined the chorus of HMO lobbyists and anti-PPA legislators with
a letter to the editor of the Republic. The letter attempted to discredit Dr. Immerman because of
the adjustments he gave to a few legislators. The AAC noted that “we do not provide „free spinal
adjustments‟ to legislators on the Capitol grounds.....Things that are legal but might be seen as
unethical simply do not meet our standards for conducting business at the Legislature or
elsewhere.” It is not clear whether the AAC believes it is ethical to provide free adjustments to
legislators away from the Capitol. ICP has learned that this letter was not approved by the AAC
lobbyists who are opposed to the AAC‟s continual public airing of the profession‟s dirty laundry.

        The AAC leadership ignored Rep. Debra Brimhall‟s words in her 3-4-97 letter to the
entire profession: “When I first became a legislator I had no position regarding the two state
chiropractic organizations. Having read the recent AAC fax I am extremely dismayed by the
behavior exhibited. Any effort to step on one party’s head to raise the stature of another party
only serves to lower everyone. Your profession cannot afford this type of divisiveness (emphasis
added).” Rep. Brimhall has become the profession‟s leading advocate in the Legislature. She
single-handedly pushed through a bill to allow chiropractors to draw blood and take urine
samples in their offices. Ms. Brimhall was also the prime mover behind the PPA.

         The Republic has agreed to print Dr. Immerman‟s letter to the editor which you will find
in this newsletter. This letter clarifies Dr. Immerman‟s chiropractic work in the Legislature.

        All considered, it has been a great year in the Legislature. ICP was partially successful in
amending the Managed Care Appeals bill so that chiropractors will be able to review chiropractic
cases. The PPA advanced a huge leap forward when it passed the Senate. The chiropractic lab
bill passed. Most importantly, chiropractic strengthened its relationships with many legislators.

PPOs IN ARIZONA
       You should join all of the following PPOs if you are not already a member. Check your
records or call the PPOs to see if you are on the list. If you are not a member, ask for an
application. All phone numbers are area code 602 unless stated otherwise.

CCN                                                   263-1982
USA Managed Care Organization                         371-3860
Managed Care, Inc.                                    (817) 633-5822
CAPP Care of Arizona                                  (520) 747-1129
Beech Street Corp.                                    (714) 727-1353
Private Healthcare Systems                            553-7444
HealthPartners Health Plans                           664-2600
Arizona Medical Network                               921-8944
HealthCare COMPARE Corp.                              (708) 241-7900
United Healthcare of Arizona, Inc.                    553-1300
Accountable Health Plans Inc.                         944-4066
Aetna Health Plans                                    395-8800
HRM CarePASS USA                                      (612) 829-3500
CIGNA HealthCare of Arizona                           942-4462
Prudential HealthCare PPO                             (818) 610-6606
h/m EP0                                               921-8944
Arizona Healthcare Alliance, Inc.                     230-1800
Rural Arizona Network                                 921-8944
Three Rivers Provider Network, Inc.                   451-8591

LETTER TO THE EDITOR FROM DR. IMMERMAN

       You may have seen the newspaper stories about Dr. Immerman‟s work in the Legislature.
The following is the Letter to the Editor which was, or will be, published in the Arizona
Republic, the Scottsdale and Mesa Tribune, and the Arizona Capitol Times.
“Dear Editor:

       For the past ten years I have worked to pass laws which would require insurance
companies and HMOs to give patients the power to choose their own doctors and types of
treatment.

         The most powerful and well-financed lobbyists in Arizona have opposed my efforts on
behalf of the large insurers who wish to have complete control of their patients to maximize
profits. The insurers have built alliances with a few powerful legislators who have forgotten that
they were elected to represent people, not insurers.

        Over the past ten years I have found that when the insurance lobbyists are unable to
effectively counter my message, they resort to personal attacks. This is an old political trick that
has worked throughout history.

       Most recently there have been statements in your newspaper regarding the fact that I have
administered chiropractic spinal adjustments to a few lawmakers. The insinuation is that I have
traded adjustments for votes.

       For the record, I gave adjustments (not “back rubs”) to three legislators in 1997. Five
adjustments were given for a total value of $125.00. It is within the law for me to give my
professional services to elected officials. All of these individuals have been friends of mine for
many years. In each case, the legislator felt some neck or back discomfort and he could not take
time off to see his own personal chiropractor. I never discussed legislation when I gave the
adjustments. These three individuals have consistently voted in favor of medical freedom of
choice many times in the past.

        The Arizona Medical Association (ArMA), an organization that is heavily involved in the
political process, has a Medical Doctor of the Day at the Legislature throughout the session. The
M.D. provides medical advice and prescriptions for no charge to legislators and staff. I believe
that ArMA‟s contribution to the well-being of our elected officials should be applauded. My
work was done in the same spirit.

        One final point: The bill I worked on this year would have allowed patients to go outside
of their HMO network to see any medical doctor, osteopath, podiatrist, optometrist or
chiropractor. The press has misrepresented this bill by ignoring the inclusion of medical and
osteopath doctors. This is a further example of insurance company lobbyists spreading
falsehoods to strengthen their position.

                       Sincerely,

                       Alan M. Immerman, D.C.

ICP---THE PROFESSION’S ADVOCATE AT THE LEGISLATURE
       INDEPENDENT CHIROPRACTIC PHYSICIANS
              ALAN M. IMMERMAN, D.C.
               8229 NORTH 53RD STREET
           PARADISE VALLEY, ARIZONA 85253
                     (602) 991-7131
                   FAX (602) 991-7187
JUNE 1997 ICP NEWS
LEGISLATURE TO APPOINT TASK FORCE TO DRAFT CONSENSUS PATIENT
PROTECTION ACT

        At the request of ICP, legislative leadership will soon appoint a task force of legislators to
draft a Patient Protection Act (PPA) that will be agreeable to all parties.

        In the last legislative session, the ICP PPA was strongly opposed by all of the major
employer groups and HMOs. In spite of this opposition, ICP was successful in passing the PPA
in the Senate. Legislative leaders have recognized that there is a tremendous amount of support
for the PPA. Leaders wish to avoid the battle that took place last session and so all parties will be
invited to sit at the table and draft a consensus bill.

       A consensus bill is much easier to pass through the Legislature. Therefore, because of
ICP‟s hard work this year, the prospects for success next session are very bright.

ICP FORMS ALLIANCE WITH ALIGNIS, A MAJOR NATIONAL PPO
        Alignis is one of the top three chiropractic PPOs in the country with more than ten
million lives under contract. Now, because of an agreement between ICP and Alignis, Alignis
will be developing a chiropractic network in Arizona and ICP members will have the first option
of joining.

       Once all ICP members have been credentialed by Alignis, ICP and Alignis will begin a
joint marketing effort to all state HMOs and PPOs. Alignis has the knowledge and sophistication
to compete with any chiropractic PPO in Arizona.

        The Executive Vice President of Alignis, Brian Ellacott, and the Western US Vice-
President for Marketing, Terry Thair, will be giving a special presentation to ICP members on
June 11, 1997, 8:00 PM to 10:00 PM, at The Pointe Hilton on South Mountain, 7777 S. Point
Parkway, Phoenix. You will have the opportunity to learn about Alignis and the value of
participation. Do not miss this important meeting--your future in managed care will be greatly
affected by the entry of Alignis into the Arizona marketplace. To RSVP, call Dana Gaines, (800)
863-2932 (ext. 248). THIS MEETING IS FOR ICP MEMBERS ONLY!

ICP‟s WHIPLASH INITIATIVE ADVANCES

        Many ICP members have reported that auto insurance carriers such as State Farm and
Allstate are challenging the care provided by chiropractors for auto accident victims. The
insurers have hired engineers who state that the forces involved in the collision were not
sufficient to cause injuries. IME doctors then state that the treatment was excessive, and that all
patients recover in 4-6 weeks with only 10-12 visits.

        In many cases the testimony presented by the engineers and the IME doctors is blatantly
false and is based upon junk science. Nonetheless, the insurers are frequently winning because
no one has developed a solid defense.

       ICP has worked hard to fill this void. ICP has researched the medical literature on
whiplash and low speed impacts and has accumulated a complete set of nearly 100 articles that
address these subjects. ICP has also prepared literature review articles that summarize the
contents of the 100 journal articles. Copies of the journal and review articles can be purchased
from ICP for $100.00. ICP is not selling the copywritten articles, but rather is charging for the
time and costs involved in researching this material.

        In a recent arbitration, ICP President Alan M. Immerman, D.C. used the scientific articles
as a basis for testimony. The patient had $11,000 in loss including $3,000 in lost wages and
$8,000 in medical bills. The patient‟s attorney demanded $50,000 while the insurance company
offered $5,000. The insurance company‟s expert engineer and IME testified that there was not
enough force to cause injury and that the treatment was excessive. Dr. Immerman quoted the
medical journal articles which prove the contrary. The arbitrator awarded $24,000 including
$1,000 in punitive damages. The insurer has decided not to appeal this decision.

       ICP is willing to work with all ICP members so that they can duplicate these results in
personal injury cases. Call ICP for more information.

„TIS THE SEASON FOR LEGISLATIVE FUNDRAISING

        Now that the Legislative session has adjourned, legislators must focus on building their
war chests for next year‟s reelection campaign. Chiropractors must support the efforts of those
legislators who support the Patient Protection Act and similar legislation. You can bet that the
insurance companies will financially support those legislators who are their side of the fence.
Unless you want a pro-insurance company legislature, be prepared to contribute.

        ICP--YOUR CONNECTION TO MANAGED CARE

  INDEPENDENT CHIROPRACTIC PHYSICIANS, INC.
      ALAN M. IMMERMAN, D.C., PRESIDENT
           8229 NORTH 53RD STREET
        PARADISE VALLEY, ARIZONA 85253
                  (602) 991-7131
                FAX (602) 991-7187


JULY 1997 ICP NEWS
ICP MOVING INTO THE ERA OF ALIGNIS

       At the request of ICP, Alignis is now expanding its operation in Arizona. The Arizona
Alignis network will consist of ICP members. Once all network doctors are credentialed, ICP
and Alignis will work together to market the network to Arizona HMOs and PPOs.

       Alignis currently has 30 national contracts for chiropractors located in 19 states. It is not
known how valuable the existing contracts will be for Arizona chiropractors. However, Alignis
has proven its ability to win contracts with major payors. ICP is counting on Alignis to sign
contracts with large companies in Arizona.

        The usual fee for joining Alignis is $495. For ICP members, the initial fee is $99 and then
an additional $150 will be charged when the doctor receives the first new patient from the
Alignis contracts. ICP urges all ICP members to complete the Alignis credentialing forms as
soon as possible. The deadline is July 15, 1997. If you have not received an Alignis contract, or
if you have any questions, call Alignis at (800) 863-2932, extension 234.

ICP BUSY AT WORK AT THE LEGISLATURE
        ICP remains hard at work at the Legislature. Meetings are being held 2-3 days a week
with legislators regarding the concerns of the profession. Leaders have confirmed that a task
force will soon be appointed to write a new HMO bill. ICP is also working on AHCCCS
inclusion, corrections to the existing insurance equality law, and other issues.

INSURANCE INDUSTRY CREATES CRISIS WITH LIEN LAW

        ICP has learned that 1800 insurance adjusters recently attended a seminar where they
were told to require health care providers to record county liens every 30 days on personal injury
cases. This interpretation of the lien law will make the process unworkable for most doctors. As
a result, many doctors will stop using liens. This may result in unpaid personal injury bills.

       ICP is investigating all possible solutions to this problem. Once a solution is found, ICP
will move forward.

„TIS STILL THE SEASON FOR LEGISLATIVE FUNDRAISING

        Last month ICP stated that legislative friends are now working to build their war chests
for next year‟s reelection campaign. ICP appealed to chiropractors to contact ICP with offers to
contribute generously.

       Within a few days the ICP phone rang like mad with dozens of chiropractors calling to
contribute hundreds of dollars each. ICP was overwhelmed with the response. NOT!
       Actually, there were some doctors who called and agreed to contribute. ICP wishes to
thank the following doctors for their generous contributions: Drs. Warren Levine, Brian
Trollope, Michael and Steven Giacoppo, Richard Bronson, Diana Willoughby, Kelly Thompson,
Leo Rayburn and Alan Immerman.

      Now for the rest of you: PICK UP THE PHONE AND CALL DR. IMMERMAN AT
991-7131 TO MAKE YOUR PLEDGE!!

ICP‟S WHIPLASH INITIATIVE CONTINUES

       Have you heard the argument that there was not enough force to cause the injuries
complained of by your patients? Of course you have--this argument, buttressed by the testimony
of engineers, is being used across the board.

         But there is a rebuttal. The studies which the engineers rely upon have never, almost
without exception, been published in peer-reviewed medical journals. ICP has an affidavit from
the legal administrator of the society which publishes the studies stating that the methodology
and statistical analysis have not been checked for accuracy. ICP also has an affidavit from a PhD
statistician stating that the studies are not statistically valid because the number of subjects was
so small. Finally, ICP has copies of interrogatories which show that State Farm has contributed
$7 million dollars to the funding of the research institute which performed these studies.
Together, the material in ICP‟s possession undermines the basis of the opinions submitted by the
engineers.

       ICP also has performed an original search of all of the medical literature for the subjects
of whiplash and low speed injuries. ICP has a 3 inch stack of medical journal articles which can
be copied for ICP members. Also, ICP has two literature review articles which summarize the
content of all of the medical journal articles.

        If you are ready to start winning your contested PI cases, call ICP to get a copy of the
articles. Charges for the articles cover the cost of printing, the cost of purchasing copies of the
articles from a medical school library, and the cost of postage and handling.


   INDEPENDENT CHIROPRACTIC
         PHYSICIANS, INC.
ALAN M. IMMERMAN, D.C., PRESIDENT
     8229 NORTH 53RD STREET
 PARADISE VALLEY, ARIZONA 85253
            (602) 991-7131
          FAX (602) 991-7187
AUGUST 1997 ICP NEWS
ALIGNIS UPDATE

      ALIGNIS has informed ICP that the response from ICP members has been
overwhelming. In the near future, the ALIGNIS Arizona network will be complete and the joint
ALIGNIS-ICP marketing effort will begin. ALIGNIS will be able to open doors for ICP
members that have remained closed up to this time.

NEWS FROM THE LEGISLATIVE FRONT

       ICP has distinguished itself as the only chiropractic organization in Arizona to have
passed an insurance equality bill out of a legislative committee in the past three years. In the
1997 session that ended in April, ICP was able to pass a bill through two committees and the
State Senate. This bill would have required all HMOs to offer out of network policies for
purchase by individuals. At this time, such policies are usually only available to employers. If the
employer declines, the individual employers may not purchase out of network coverage.

       Statistics show that 16% of individuals are willing to pay more money out of their own
pocket so that they could see doctors outside of the HMO network. ICP will continue to work in
the Legislature to pass a law which would require HMOs to make such an option available.

       Along with this effort ICP is working on a legislative rewrite of the lien law and the
existing insurance equality law, AHCCCS inclusion, and other key issues.

        There has been a debate in the profession regarding the role of lobbyists. Certain doctors
have argued that the profession‟s legislative program should be left in the hands of the lobbyists
and that doctors need not get involved individually. This approach has resulted in a net gain of
zero in regards to insurance legislation. Professional lobbyists have too many clients and diverse
interests to provide the impetus necessary to pass meaningful legislation.

       ICP has taken the position that individual chiropractors need to spend many hours each
week at the legislature to have a meaningful influence. Which approach is better? Only the ICP
approach has resulted in new insurance equality laws in 1990, 1991 and 1993, plus multiple
committee victories. In 1997, the ICP bill only cleared the State Senate because Dr. Immerman
waited patiently for 3 hours to get a key House member to go to the Senate and convince a
wavering Senator to vote yes. No professional multi-client lobbyist will ever spend this much
time on a small client such as the chiropractic profession.

THE LIST OF LEGISLATIVE CONTRIBUTORS GROWS

        A hearty thank you to Drs. Michael and Lisa Jensen, John Brimhall, Michael Shaikewitz,
George Camacho, Scott Miritello and Michael Randall who join the list of those chiropractors
who have made a contribution to a legislator this year. Thanks again to Drs. Warren Levine,
Brian Trollope, Michael and Steven Giacoppo, Richard Bronson, Diana Willoughby, Kelly
Thompson, Leo Rayburn and Alan Immerman.

       When will your name be added to the list?

ICP‟S WHIPLASH INITIATIVE--POSSIBLY ICP‟S MOST IMPORTANT WORK
EVER

       Chiropractors have reported that their income from health insurance and workers‟
compensation cases is greatly reduced compared to a few years ago. Personal injury is the only
area where insurance companies don‟t cut and slash, or restrict networks to a few fortunate
members of the “good old boys‟ club.”

        In the last few years the State Farms of the world have become more ingenious in crafting
arguments to attack chiropractic care. Paid defense experts state: “The forces involved in this
injury could not have caused the complaints alleged by this patient.” And: “Ten to twelve
treatments over a period of four to six weeks would have been sufficient.”

        There are solid responses to these statements. The medical/scientific literature can be
used to undermine the “junk science” relied upon by many insurers. For instance, ICP has a copy
of an affidavit from a Ph.D. statistician which states that the studies relied upon by the insurance
companies tested too few subjects for the results to be extrapolated to the population as a whole.
ICP has assembled a complete package of articles which is available to members.

       ICP is the only chiropractic organization in Arizona that actively opposes tort reform
because it would transform personal injury into managed care. If you are not a member of ICP
and you want to fight tort reform, you should join today!

ICP ENDORSES VENDORS

        The following vendors offer high quality service and/or supplies and merit your
consideration:
1. Dar-Lien Services: complete lien-filing services for your personal injury cases. Call (602)
942-1515.
2. ElectroAge Billing Services: if you are tired of handling your billing in-house and would like
to use a reliable billing service, call ElectroAge at (602) 277-2627.
3. Custom X-ray: for the finest in X-ray equipment and supplies at the best price, and for general
equipment repair, call Custom at 439-3100.

        INDEPENDENT CHIROPRACTIC PHYSICIANS
          ALAN M. IMMERMAN, D.C., PRESIDENT
                 8229 NORTH 53RD STREET
            PARADISE VALLEY, ARIZONA 85253
            (602) 991-7131  FAX (602) 991-7187
SEPTEMBER 1997 ICP NEWS
COURT RULES MEDICAL BOARD POWER EXTENDS TO HMO MEDICAL
DIRECTORS---FAR-REACHING IMPLICATIONS FOR CHIROPRACTIC

        When insurance company doctors refuse to pre-authorize a particular service, they claim
that they are only involved in administrative practice, not medical practice. But the Arizona
Court of Appeals recently ruled that decision-making by an HMO medical director was medical,
not administrative, in nature, and that the Arizona medical board (BOMEX) has jurisdiction to
review decisions “which could affect the health or safety of a patient or the public,” including
those of medical directors of managed care plans. Chiropractors who make clinical decisions for
insurance companies and managed care plans must comply with the same standard since the
chiropractic regulatory law has similar language to the medical law.

       What does this mean on a practical level? If your patient‟s insurer refuses to pre-certify
chiropractic care, and if your patient is likely to be harmed as a result of this refusal, you can file
a complaint against the insurer‟s chiropractic decision-maker. The chiropractic board is likely to
proceed in examining the merits of your complaint in light of the recent court decision.

       This court ruling should serve as a “shot across the bow” to chiropractors who render
decisions for insurance companies. Those doctors who are honestly trying to uncover the truth
should have nothing to fear. However any doctor who perpetually tells an insurance company
exactly what it wants to hear may find his chiropractic license under assault.
MORE ON ICP‟S WHIPLASH INITIATIVE

       You recently received notice of Judge Sheldon‟s ruling in the Yorston case. The judge
refused to allow an engineer to testify regarding the possibility of injury in a low speed impact
case.

       ICP has been deluged with requests from chiropractors and attorneys for copies of the
pleadings and affidavits in this case. Within days of the court decision, attorneys who used this
new information have reported far better results in arbitration. One attorney won a $10,000
award in an arbitration and attributed $4,000 of this total to the Yorston case information.

        ICP will mail you a copy of all of the Yorston documents for a fee of $25. Included in the
packet is proof that State Farm has contributed to the funding of two key low speed impact
studies which found that volunteers were not significantly injured. Also included is an affidavit
from a veteran State Farm claims adjuster who explains State Farms‟ policy of “litigating to
death” low speed impact cases. You are invited to share this information with the attorneys with
whom you work. They may contact ICP directly to get this valuable material.

ON A PERSONAL NOTE.........BY ICP PRESIDENT ALAN M. IMMERMAN, D.C.

        ICP has been repeatedly criticized by Diane Fuhr and Lynn Moreno over the issue of
profit. Let‟s look at a few facts.

         ICP was incorporated in 1991. Since that time, ICP made a profit one time only: a grand
total of $3,195 in 1995. The remainder of the money collected by ICP has been paid out in
expenses including tens of thousands of dollars paid to Attorney Rick Strohm, lobbyist Joyce
Downey, lobbyist Jeff Nelson and Milliman and Robertson actuary Tom Snook.

        Diane Fuhr and Lynn Moreno have attempted to make an issue out of the fact that I draw
a salary for the work I do for ICP. Apparently they think that I should work for free. ICP
members, however, believe that it is reasonable for me to draw a salary. Since ICP expanded its
mission to include legislative lobbying in early 1995, my salary has been almost exactly what is
paid by the AAC to Lynn Moreno.

        Lynn Moreno gets paid for the work she does for chiropractic. Diane Fuhr makes money
from the services offered by Activator Methods, Inc. Each chiropractor gets paid for the work he
or she performs for patients. Clearly, there is nothing wrong with individuals being paid for the
work that they do. Why do Lynn Moreno and Diane Fuhr feel the need to endlessly criticize me
for getting paid for the work that I do?

       Now that there is new leadership at the AAC, I hope that the debate between the
organizations can rise above personal animosities and focus solely on issues. ICP has led the way
to reduce the rancor. Hopefully the AAC will soon follow.

ICP ENDORSES VENDORS
        The following vendors offer high quality services and/or supplies and merit your
consideration:
1. Dar-Lien Services: complete lien-filing services for your personal injury cases. Call (602)
942-1515.
2. ElectroAge Billing Services: if you are tired of handling your billing in-house and would like
to use a reliable billing service, call ElectroAge at (602) 277-2627.
3. Custom X-ray: for the finest in X-ray equipment and supplies at the best price, and for general
equipment repair, call Custom at 439-3100.
4. Attorney John Goodson: nationally known estate planning expert, the best in the business. Call
Mr. Goodson at (602) 252-5110.

 JOIN ICP AND SUPPORT THIS IMPORTANT WORK---THE PROFESSION YOU SAVE
                           MAY BE YOUR OWN!

                INDEPENDENT CHIROPRACTIC PHYSICIANS
                  ALAN M. IMMERMAN, D.C., PRESIDENT
                       8229 NORTH 53RD STREET
                    PARADISE VALLEY, ARIZONA 85253
                              (602) 991-7131
                            FAX (602) 991-7187
OCTOBER 1997 ICP NEWS
CLARIFICATION: AAC‟S TORT REFORM POSITION

         A few weeks ago an ICP newsletter criticized the AAC for taking a neutral position on
tort reform. If tort reform were to pass, personal injury cases would be moved into managed care.
This would, in the words of one chiropractor, “drive a stake into the heart of chiropractic.”

        ICP is working very hard right now to make sure that tort reform cannot pass the
legislature and be sent to the ballot. The window of opportunity to lobby against tort reform will
close in January, 1998 when the legislature reconvenes and legislators have too little time to
deeply consider the issue.

       In spite of the importance and urgency of the issue, the AAC remains uninvolved. The
AAC‟s neutral position on tort reform was developed by the AAC Board of Directors. AAC
lobbyists John Mangum and Rip Wilson were then instructed not to lobby against tort reform.

        Some doctors blame Mangum and Wilson for the AAC‟s neutral position on tort reform.
However, this is a mistake. The lobbyists merely do what they are told to by the AAC Board. It
remains a mystery why the AAC refuses to protect chiropractors‟ personal injury practices.
Historically this will be judged as a major error.

BOARD FINISHES DEFINITIONS OF UNPROFESSIONAL CONDUCT

        The Arizona State Board of Chiropractic Examiners (BOCHEX) recently finished the job
of specifically defining unprofessional conduct. You will soon be receiving a copy of these
definitions from the Board.
        For many years unprofessional conduct has been undefined. The Board has been free to
take action against your license for any conduct which the Board believes to be unprofessional.
There have been actual cases where the Board abused its discretion in order to harm certain
chiropractors who had politically opposed Board members.

      The new definitions should put a halt to that type of activity. Chiropractors will now
know in advance exactly what they should and should not do.

       Bouquets to former Board member David Brotman, D.C. for his tireless efforts to define
unprofessional conduct and prevent “witchhunts.” This is also a major victory for ICP which
campaigned for specific definitions for years.

NEW ERA OF COOPERATION AND CIVILITY BETWEEN ICP AND AAC

      With new leadership the AAC has stated that relations between ICP and the AAC will
become more civil, diplomatic and dignified. ICP welcomes this change and looks forward to
working harmoniously with the AAC both within the legislature and on the outside.

THE LIST OF LEGISLATIVE CONTRIBUTORS GROWS

        A hearty thank you to Drs. Jeff Kush, Dennis Goldberg, Brad Tinker, Craig Seitz, Jim
Badge, Frank Sinatra, Matt Dorchester, Kyle Storks and Mark Casalino who join the list of those
chiropractors who have made a contribution to a legislator this year. Thanks again to Drs.
Warren Levine, Brian Trollope, Michael and Steven Giacoppo, Richard Bronson, Diana
Willoughby, Kelly Thompson, Leo Rayburn, Alan Immerman, Michael and Lisa Jensen, John
Brimhall, Michael Shaikewitz, George Camacho, Scott Miritello and Michael Randall.

       When will your name be added to the list?

NEWS ABOUT ICP‟S WHIPLASH INITIATIVE

        ICP has now distributed dozens of copies of court documents and medical literature
reviews to chiropractors and attorneys throughout Arizona. As predicted by ICP, personal injury
cases where this material has been used are settling for greater amounts and at higher speed. Call
ICP with the names of the attorneys with whom you work and ICP will educate them directly
about the new materials.

THE ICP BRAIN TRUST LIST

        The following ICP BRAIN TRUST Members offer high quality service, advice and/or
supplies and merit your consideration:
1. Dar-Lien Services: complete lien-filing services for your personal injury cases. Call (602)
942-1515.
2. ElectroAge Billing Services: if you are tired of handling your billing in-house and would like
to use a reliable billing service, call ElectroAge at (602) 277-2627.
3. Custom X-ray: for the finest in X-ray equipment and supplies at the best price, and for general
equipment repair, call Custom at 439-3100.
4. Attorney John Goodson: nationally known estate planning expert, the best in the business. Call
Mr. Goodson at (602) 252-5110
5. Taylor and Associates: the largest and only statewide workers‟ compensation law firm. Call
former workers‟ comp judges Roger Schwartz (800-358-2287) in Phoenix or Tom Whitley (800-
468-5470) in Flagstaff for information or to request a free copy of a comprehensive booklet on
workers‟ compensation.
6. First Alliance Processing Services, Inc.: state of the art credit card, ATM and check processing
systems for doctors‟ offices at discounted rates. You need a PIN pad in your office to reduce
costs! Call Bob Getz at (602) 496-9417.

       INDEPENDENT CHIROPRACTIC PHYSICIANS
         ALAN M. IMMERMAN, D.C., PRESIDENT
                8229 NORTH 53RD STREET
           PARADISE VALLEY, ARIZONA 85253
           (602) 991-7131  FAX (602) 991-7187
NOVEMBER 1997 ICP NEWS
SECOND JUDGE EXCLUDES ENGINEER‟S TESTIMONY

       Having a little trouble with your PI cases? No wonder considering that insurance
companies commonly hire engineers who swear under oath that your patients could not have
been injured considering the forces involved in the collision.

        However, the tide is turning. In September, 1997 a second Maricopa County Superior
Court judge excluded the key testimony of an engineer. The engineer was prohibited from stating
that the forces applied to a patient‟s back as a result of a collision were so insignificant that the
patient‟s back could not have been injured. If you would like a faxed copy of the six page minute
entry (no charge), please contact ICP at (602) 991-7131.

        ICP‟s Whiplash Initiative is going very well. Many attorneys have called upon ICP to
write reports and provide testimony regarding the arguments presented by the engineers and the
necessity of chiropractic treatment. You are invited to ask the attorneys you know to contact ICP
for free consultations regarding this information.

        ICP continues to work to block tort reform which would transfer your personal injury
practice into managed care. The outlook is positive. The AAC remains neutral on tort reform.

LEGISLATURE DEMANDS ICP AND AAC TO WORK TOGETHER--ICP AGREES,
AAC REFUSES

       Many legislators have demanded that ICP and the AAC work together. Some legislators
have even stated that they will not consider chiropractic legislation unless the two chiropractic
groups present a united front.

       ICP has agreed to work with the AAC and has asked that a representative be appointed to
meet with ICP to write legislation. The AAC has refused to meet with ICP because, according to
a recent AAC newsletter, a few Board members do not like ICP President Alan M. Immerman,
D.C.

        Observers of chiropractic politics over the past three years know that there is no love lost
between a few AAC leaders and the ICP President. Lawsuits have been filed by both sides
(Arlan and Diane Fuhr filed a $500,000 lawsuit against Dr. Immerman that was settled by
Farmers‟ Insurance Company for $1). Many harsh words have been spoken. However, personal
differences between AAC and ICP officials must not be permitted to hinder chiropractic
progress in Arizona. ICP is willing to overlook such differences. The AAC, even though there is
new leadership, has refused.

LEGISLATIVE COMMITTEE TO CONSIDER CHIROPRACTIC BILL ON 11-21-97

       Months ago ICP announced that Senate Majority Whip Gary Richardson and House
Insurance Committee Vice-Chairman Debra Brimhall would be co-chairing meetings to consider
chiropractic HMO legislation. ICP is pleased to announce that the first meeting will be on 11-21-
97. Discussions will be held to develop a bill which will then have a good chance of passing in
1998. The chances will be enhanced if the AAC will agree to work directly with ICP.

ALLSTATE REVERSES POSITION ON HOT AND COLD PACKS

        In a letter to ICP dated 10-29-97, Allstate Insurance Company stated: “Effective
immediately, we have suspended the application of this rule (which stated that hot and cold
packs would not be covered).....We will audit our records and reimburse any amounts denied to
date as a result of this policy.”

       You can count on ICP to continue to fight unfair insurance company practices.

THE ICP BRAIN TRUST LIST

         The following ICP BRAIN TRUST Members offer high quality service, advice and/or
supplies and merit your consideration:
1. Dar-Lien Services: complete lien-filing services for your personal injury cases. Call (602)
942-1515.
2. ElectroAge Billing Services: if you are tired of handling your billing in-house and would like
to use a reliable billing service, call ElectroAge at (602) 277-2627.
3. Custom X-ray: for the finest in X-ray equipment and supplies at the best price, and for general
equipment repair, call Custom at 439-3100.
4. Attorney John Goodson: nationally known estate planning expert, the best in the business. Call
Mr. Goodson at (602) 252-5110
5. Taylor and Associates: the largest and only statewide workers‟ comp law firm. Call former
workers‟ comp judges Roger Schwartz (800-358-2287) in Phoenix or Tom Whitley (800-468-
5470) in Flagstaff for information or to request a free copy of a booklet on workers‟ comp.
6. First Alliance Processing Services, Inc.: credit card, ATM and check processing systems at
discounted rates. You need a PIN pad in your office to reduce costs! Call Chuck Smookler at
(602) 493-8950. There are no set-up fees for ICP members--a savings of $400!
7. NU-BEST Diagnostic Labs: Mobile dynamic motion X-ray service to your office. Objectively
documents permanent ligamentous injuries. Increase attorney referrals and patient compliance.
Call (602) 305-9004 for more information.


       INDEPENDENT CHIROPRACTIC
               PHYSICIANS (ICP)
    ALAN M. IMMERMAN, D.C., PRESIDENT
          8229 NORTH 53RD STREET
     PARADISE VALLEY, ARIZONA 85253
     (602) 991-7131   FAX (602) 991-7187
DECEMBER 1997 ICP NEWS
ICP‟S WHIPLASH INITIATIVE MAKING WAVES NATIONWIDE

       A recent issue of The Chiropractic Journal printed an article by Dr. Immerman
explaining how doctors and lawyers can prove that engineers are spreading “junk science” in the
courtroom. The article invited readers to send for the packet which explains in detail how to
combat the argument that people cannot be significantly injured in low speed impacts.

        ICP has been swamped with hundreds of request for this material. From Hawaii to Alaska
to Texas to New York, insurance company engineers been spreading their mischief. Now the
tables have been turned because of ICP.

       If you want a copy of the legal arguments and affidavits so that you can teach attorneys
how to combat the engineers, send ICP a check for $25.00. Or you are invited to have attorneys
contact ICP directly for to receive the materials or to schedule a free consultation.

       As expected, tort reform is on the agenda for the next legislative session. ICP continues
to work to block or modify tort reform so that personal injury patients cannot be required to
receive treatment from HMOs. The AAC remains neutral on tort reform. The AAC lobbyists
cannot work against tort reform since they promote tort reform on behalf of a large tobacco
company.

ALIGNIS BEGINS ARIZONA MARKETING EFFORT

         ALIGNIS is a national chiropractic network with more than 30 existing contracts with
payers. A few months ago ICP asked ALIGNIS to establish a network consisting of ICP doctors
in Arizona, and then to marketing the network to PPOs and HMOs. ICP is pleased to announce
that the ALIGNIS marketing effort has begun. If you have not already joined ALIGNIS and
would like to do so, contact ICP immediately. The cost to join ALIGNIS for ICP members is $95
at the time of application and $96 when you see the first new patient from the ALIGNIS payers.

WHY DID THE AAC SPEND $40,000 ON LEGAL FEES AND COSTS TO AVOID
ARBITRATION?

       Many of you have asked why chiropractors “just can‟t seem to get along.” When the
AAC was formed in 1991, many members of the merger committee insisted that the new bylaws
include an arbitration agreement that would apply to all disputes between the AAC Directors.

        In 1994, Dr. Immerman invoked the arbitration agreement to address multiple disputes.
Then AAC-President Terry Peterson and Legislative Committee Chairman Arlan Fuhr refused
participate in arbitration. In fact they even refused to answer Dr. Immerman‟s letters requesting
arbitration.

         As a consequence, Dr. Immerman in 1995 asked a judge to order Drs. Fuhr and Peterson
and a few other AAC Directors to comply with the arbitration agreement and work amicably to
settle their differences. Unfortunately, Dr. Immerman was out-lawyered and the judge dismissed
the lawsuit.

        In this lawsuit the AAC and its insurance company spent more than $40,000 to avoid
arbitration. Is arbitration so bad that it was worth this expense? Now we have two state
organizations again (this was always the case prior to 1991) and the profession is divided. In
order to initiate a healing process, Dr. Immerman has elected not to appeal the judge‟s decision
to dismiss his lawsuit. Dr. Immerman and ICP plan to work closely with many AAC leaders to
promote chiropractic progress.

LEGISLATIVE COMMITTEE CONSIDERS CHIROPRACTIC BILL ON 11-25-97

       Months ago ICP announced that Senate Majority Whip Gary Richardson and House
Insurance Committee Vice-Chairman Debra Brimhall would be co-chairing meetings to consider
chiropractic HMO legislation. The first meeting was held on 11-25-97. Discussions were held to
develop a bill which will have a good chance of passing in 1998.

THE ICP BRAIN TRUST LIST

        The following ICP BRAIN TRUST Members offer high quality service, advice and/or
supplies and merit your consideration:
1. Dar-Lien Services: complete lien-filing services for your personal injury cases. Call (602)
942-1515.
2. ElectroAge Billing Services: if you are tired of handling your billing in-house and would like
to use a reliable billing service, call ElectroAge at (602) 277-2627.
3. Custom X-ray: for the finest in X-ray equipment and supplies at the best price, and for general
equipment repair, call Custom at 439-3100.
4. Attorney John Goodson: nationally known estate planning expert, the best in the business. Call
Mr. Goodson at (602) 252-5110
5.Taylor and Associates: the largest and only statewide workers‟ comp law firm. Call former
workers‟ comp judges Roger Schwartz (800-358-2287) in Phoenix or Tom Whitley (800-468-
5470) in Flagstaff for information or to request a free copy of a booklet on workers‟ comp.
6. NU-BEST Diagnostic Labs: Mobile dynamic motion X-ray service to your office. Objectively
documents permanent ligamentous injuries. Increase attorney referrals and patient compliance.
Call (602) 305-9004 for more information.

                 INDEPENDENT CHIROPRACTIC PHYSICIANS (ICP)
                     ALAN M. IMMERMAN, D.C., PRESIDENT
                             8229 NORTH 53RD STREET
                       PARADISE VALLEY, ARIZONA 85253
                       (602) 991-7131   FAX (602) 991-7187


 PARKER COLLEGE OF CHIROPRACTIC AND INDEPENDENT CHIROPRACTIC
                  PHYSICIANS ARE PLEASED TO
    COSPONSOR A TWELVE HOUR CONTINUING EDUCATION SEMINAR

  “SPINAL FUNCTIONAL CAPACITY ASSESSMENT FOR PERSONAL INJURY AND
                       INDUSTRIAL ACCIDENTS”

                           PRESENTED BY JOHN MAZION, D.C.

  WHEN: SATURDAY, FEBRUARY 28 FROM 1-7 PM AND SUNDAY, MARCH 1, 1998
                            FROM 8-2 PM

  WHERE: HOLIDAY INN SELECT, 4300 EAST WASHINGTON, PHOENIX, ARIZONA

   COST: $145 FOR ICP MEMBERS, $195 FOR NON-MEMBERS (THERE WILL BE AN
           ADDITIONAL $30 FEE IF PAYMENT IS MADE AT THE DOOR)

        Dr. John Mazion has been a graduate instructor, lecturer and author on the specialty of
orthopedics for the past 27 years. He has been teaching disability evaluation since 1963 and the
rating of physical impairment for over 15 years. He is presently on the posgraduate faculty of
Parker College of Chiropracttic, Los Angeles College of Chiropactic,Texas Chiropractic College
and the National College of Chiropractic.

        In his posgraduate teaching capacity Dr. Mazion has given over 1,000 lectures and over
13,000 hours of instruction on a broad national and international scale where his work in the
field of evaluation has been presented on three continents. He has been appointed by the Arizona
State Board of Chiropractic Examiners to give exams in orthopedics and neurology to candidates
for chiropractic licensure in Arizona.

       Along with his many journal articles, Dr. Mazion is the author of four books--one of
which is used as a textbook in over 13 chiropractic colleges and the Department of the Navy. Dr.
Mazion resides and practices in Casa Grande, Arizona. He specializes in physical impairment
and the evaluation of spinal disability.
                                   REGISTRATION FORM

                    In Advance   At the Door                 Parker College of Chiropractic
                                                     Postgraduate Department
Chiropractors          $195           $225           2500 Walnut Hill Lane
ICP Members            $145           $175           Dallas, Texas 75229
College Students,      $75            $105
Cas & Spouses

CANCELLATION FEE: If transferrred to another person or future symposium, there is no
cancellation fee. If a refund is requested, the ca ncellation fee is $25 per registrant per
symposium cancelled. (Allow 2-3 weeks after symposium for refunds.) It is suggested that
registrants preregister andconfirm the status of the symposium. Parker College reserves the right
to cancel or adjust program dates, times, speakers or locations if the need arises. Parker College
will not be responsible for registrants‟ expenses should any program changes occur. PARKER
COLLEGE OF CHIROPRACTIC ALUMNI ASSOCATION MEMBERS DEDUCT 10%
FROM TOTAL FEES. You must enclosed a copy of your paid membership receipt upon
registration.

                     Make checks payable to Parker College of Chiropractic

            Call now with Credit Card: (800) 266-4723 or fax (214) 352-2749
____________________________________________________________________________

                Spinal Functioning Capacity Assessment (Course 1101-PHX)

ATTENDEE #1:          Doctor Refresher    College Student   CA    Spouse
Name:____________________________________SS#:_______________________________
Address:___________________________________Phone #:____________________________
City:___________________________State:_____________Zip:_________________________
ATTENDEE #2:          Doctor Refresher    College Student   CA    Spouse
Name:____________________________________SS#:_______________________________
PAYMENT (circle one) Check          Visa   MC      Discover American Express
Credit Card #:____________________________________________Exp. Date:_____________
Signature:_______________________________________________Total Amount:$_________
Name as it appears on Credit Card:_________________________________________________
DATE: February 28-March 1, 1997

         Please make reservations directly with the hotel and mention that you are attending the
Parker College Seminar to receive the special rate of $99 per night that has been arranged (usual
rate is $169 per night). Reservations must be made at least three weeks in advance to receive
these rates. As rates may fluctuate daily, you should first check to determine the hotel‟s lowest
available rate.

       Cosponsored by Parker College of Chiropractic Center for Postgraduate and Continuing
Education and Independent Chiropractic Physicians. Call (800) 266-4723 for license renewal
information.

				
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