eUpdateVolume 23, No. 4 April 2013

CONNECTING YOUto the Colorado chiropractic profession

Mission StatementThe mission of the

Colorado Chiropractic Association is to protect, promote, and expand the ethical and

professional practice of chiropractic in the state of Colorado.

INSIDE this issue...

Colorado Chiropractic Association The voice of Colorado chiropractic since 1917.

Auto Injury Denials

Auto Injury Solutions is a “review” company used by insurance carriers such as USAA and Safeco.

Doctors have reported numerous denials based on “cookie-cutter” paper reviews by doctors who have NEVER seen the patient in person and may be reviewing only partial records for these patients.

PLEASE use the following letter as a guide to complain to the Colorado Department of Insurance regarding this unfair denials.

Also on the following pages is a response from the Department of Insurance regarding a complaint. We will keep you posted on USAA’s response to the DOI’s request.

Click Here for CCA Legislative Update for 2013 Colorado Session

Auto Injury Denials pg. 2

Upcoming Events pg. 8

Looking Back on Forward Progress pg. 10

Club CCA Vendors pg. 11

Standing Meetings pg. 15

Legal Update pg. 16

Board/Staff Members & DORA pg. 22

Visa, MasterCard Lawsuit pg. 24

Member Information pg. 32

CC-PAC Donations pg. 34

4

eUpdate April 2013

2013 Mid-Year Chiropractic Research and Education Symposium

andRelated Issues”

“Pelvic Sprain Complex

APRIL 26-28, 2013Location:Denver, Colorado

Hotel:Doubletree by Hilton3203 Quebec St.Denver, CO 80207(303) 321- 3333

Group Rate: $119 by April 5, 2013

Register Online: www.sorsi.comor call: (913) 239-0228

Please direct INSURANCE questions toCCA Insurance Chair

Dr. Greg Crawfordemail to:

greglcrawforddc@aol.com

or FAX to 970-493-2105

Medicare Questions - contact Dr. Crawford or

Kathy Mills Chang - kathy@kmcuniversity.com 1-855- TEAM-KMC

Susan McClelland - mcclelland.consulting@usit.net

ResourcesJoin the Novitas JH MAC Transition email list at

https://www.novitas-solutions.com/transition/jh/lists.html

Join Medicare (CMS) email list:http://www.cms.gov/Medicare/Medicare.html

You will be required to receive claim payments via electronic fund transfer Electronic Funds Transfer form:

http://www.cms.gov/Medicare/CMS-Forms/CMS-Forms/Downloads/CMS588.pdfNovitas will acknowledge receipt of your EFT form with a letter.

Provider inquires: 1-855-252-8782

Index for contact info Novitas Solutions:https://www.novitas-solutions.com/contact/index.html

Check Local Coverage Determinations (LCD) with Novitas:https://www.novitas-solutions.com/policy/jh/l32718-r4.html

Navigating Novitas Solutions website start here:https://www.novitas-solutions.com/site-map.html

PLEASE NOTE: Kathy Mills Chang and Susan McClelland are consultants in this arena and may require a fee for extensive questions.

Insurance Assistance

Part B Claims for COLORADONovitas SolutionsAttn: Part B ClaimsPO Box 890107 Camp Hill, PA 17089-0107

Send Claims to:Noviats Payer ID: 04112

Tired of Being Squeezed by Lawyers?

FUICELLI & LEE, P.C.

We cut our fee before asking you to cut yours We always keep you informed of all settlement offers We guarantee complete transparency in all settlement negotiations Over 75 trials conducted. Our experience gets results! Exceptional client service every time-ask about our client bill of rights.

John Lee and Keith Fuicelli www.ColoradoInjuryLaw.com 6

eUpdate April 2013

9

eUpdate April 2013

8

eUpdate

UpcomingEvents2013

CE Hour requirements for

2011-2013 Colorado relicensing period:15 CE hours between

November 1, 2011 and October 31, 2012

AND 15 CE hours between November 1, 2012 and

October 31, 2013Must have valid health care provider

level CPR card AND at least four hours total of documentation/record keeping

every two years.

• X-Files Basic TrainingBasic X-Ray Certification for Chiropractic Assistants.July 20-21 November 16-17

Colorado law requires that unlicensed personnel taking ANY TYPE of x-rays (including digital) in chiropractic clinics receive at least 24 hours of training. This course provides 12 hours of training with instructions on how to complete the remaining 12 hours at your clinic.

• “Doctored” Screening in Grand JunctionThursday, April 25“Doctored” will be showing in Grand Junction. For tickets please contact Dr. Randy Roman 970-243-8896 or Dr. Wes Sheader 970-254-2954.

• CCEP Extremity Adjusting SeminarsApril 20-21 June 8-9May 4-5 July 13-14

• Nutrition with Dr. Dan MurphyMay 4-5

Sponsored by Nutri West and CCA - Dr. Dan Murphy will provide you with unparalleled expertise in the understanding, assessment and treatment of conditions relating to the relationship of neurology and nutrition in relationship to cellular function.

• Chiropractic Clinical NutritionNext Class - Saturday, May 11Saturday, August 10 Saturday, October 12

Dr. David Seaman presents the first of a three part series regarding clinical nutrition. Final class date TBD.

• New Doc Lunch SeriesWednesday, April 24, 2013- Marketing with Linda MettlerJoin new Colorado DCs for lunch and learning from 11 a.m.-1 p.m.Lunches will continually be held on the 4th Wednesday of the month at the CCA Conference Room

• Documentation and Medicare with Dr. Mario FucinariSaturday, June 296 Hours of CE - 9 a.m. - 6 p.m. Dr. Mario Fucinari will speak about documentation and recordkeeping for 4 hours fulfilling the state requirement. The following 4 hours will be on MEDICARE only two (2) of these hours are considered continuing education. Sponsored by NCMIC - Attend this NCMIC 8 hour seminar and receive a 5% discount for three years on the renewal of your NCMIC malpractice insurance premium. (PRICING AVAILABLE SOON)

Yochum and Yochum Comprehensive MRI of the SpineSaturday, July 27, 1:00- 7:00 p.m. Sunday, July 28, 8:00 a.m. - 2:00 p.m.12 Hours of PACE approved CE

The apple doesn’t fall far from the tree and in this case, it is the Yochum family tree. Join Dr. Terry R. Yochum, author of Essentials of Skeletal Radiology, and his daughter, Dr. Alicia M. Yochum for this 1st time ever, intergenerational education event.

• Sports Physical and CPR Combo ClassesCertify to perform Junior High and High School Sports Physicals.

Denver Sat. June 15Thurs. Oct. 17

Colorado Springs Sat. May 11Fort Collins Sat. May 18Grand Junction Sat. June 29

• Documentation and CPR Combo ClassesKathy Mills Chang fulfills the four required hours of Documentation.Dr. Mark Wolff, DC provides professional level CPR training Denver Thurs. July 11

Sat. Aug. 17Thurs. Oct. 31 - last day for CE

CCA Annual Convention

Fri. Sept. 13 **CPR on Sunday Sept. 15(Bundle Package coming soon with convention registration)

ColoradoSprings Sat. Sept. 28

Fort Collins Sat. Oct. 12

• Annual Convention 2013September 13-15, 2013Hyatt Regency Denver Tech Center

April 2013

Club membersClub CCA members provide on-going support for the CCA and

the chiropractic profession through advertising, donations, and the excellent products and services they provide to Colorado DCs.

PLEASE consider a club CCA member for your chiropractic product and service needs.

Vendors: Find out how YOU can become a club

CCA member at http://www.

coloradochiropractic.org/headlines/files/ClubCCA2.pdf

www.ncmic.com800.769.2000, x 4200

www.anaboliclabs.com

800.344.4592nutritional supplements

www.nutriwest.comLynn Toohey, PHD - 866.271.8888

nutritional supplements and education

www.cbrcolorado.comCandice Seigel 720.431.0049

insurance billing

www.chirohealthusa.com888.719.9990

cash discount program

This article is from the February 1961 publication of The Colorado Chiropractor.

Looking Back on

Forward Progress

13

eUpdate April 2013

Policyholders of NCMIC’s Malpractice Insurance Plan will soon receive apremium dividend for the 17th year in a row.* As of 2013, NCMIC willhave returned more than $112 million to policyholders.

The premium dividend is just one of many reasons our D.C.s appreciateNCMIC. Take it from Dr. John D’Amanda:

M i l l i o n R e a s o n sTo Be With NCMIC

Premium dividends are not guaranteed. We Take Care of Our Ownis a registered service mark of NCMIC Group, Inc. and NCMIC Risk Retention Group, Inc. ©2013 NCMIC NFL 3168 www.ncmic.com

“I don’t know of any other companies that give back through a premiumdividend. With NCMIC, you support the company and they support you.”

John D’Amanda, D.C.Crossroads, Texas

Find out all the ways you can benefit from being with the

NCMIC Malpractice Insurance Plan.

Call 1-800-769-2000, ext. 3120.

The World’s Largest Chiropractic Seminar is Coming to The Mile High City!Join us in Denver, June 6-8, for three extraordinary days of insight, networking and, most of all, empowerment.

Enjoy the spectacular accommodations of the Grand Hyatt Denver, located in the heart of Denver. Come early, stay late, and experience one of the most diverse, beautiful, and culture-filled cities in America. From the historic Larimer Square shopping district to the Denver Art Museum to the must-see snowcapped Rocky Mountains, expect nothing less than constant entertainment – and constant fulfillment – at our upcoming Denver seminar.

Register today, get empowered, and take your career in chiropractic to the next level!

Expect the following and more at Parker Seminars Denver:• Topics on the forefront of chiropractic education and research, including

Globalization of Chiropractic, Financial Planning, ADHD, Cash Practice, and the Ultimate Business Crash Course

• The Superstar CA Academy, comprised of two sessions sure to transform your CAs into a fine-tuned, laser-guided team capable of conquering goals and creating a routine of extraordinary patient experiences

• A Teen Empowerment Track for the ambitious chiropractic experts of tomorrow (13 and up)

• A family atmosphere that breeds confidence, determination, and drive

• Up to 17 hours of continuing education (pending your state board’s approval)

Parker Seminars is committed to being the #1 source of chiropractic education, networking, and support. Attend our compelling Denver seminar and return home more prepared than ever to serve your patients at a high level while elevating chiropractic worldwide –that’s our promise at Parker Seminars.

Parker Seminars Denveris right around the corner!

Registration Now Open!

www.parkerseminars.com/denver | 888.727.5338

A family vacation

destination!

12-2742 DEN13 American Chiro Issue 5.indd 1 3/19/13 12:23 PM

15

eUpdate April 2013

The CCA eUpdate is published monthly. Its purpose is to provide news about activities of the various committees and information concerning current developments of interest to the membership. Articles, reports, letters, opinions, advertisements, statements, and editorial comments do not necessarily represent the position of the CCA. No endorsement of any item should be inferred unless specifically identified as the official policy of the CCA. All material may be ed-ited for clarity or space, and publishing decisions are based on quality of writing, timeliness, and potential interest to the readers. The CCA eUpdate reserves the right to edit or reject all materials. The CCA eUp-date accepts advertisements and inserts from a variety of sources, but makes no independent investigation or verification of any claim or statement contained in the advertisements. Inclusion of advertisements should not be interpreted as an endorsement by the CCA of any product or service offered through the advertise-ment program.

Colorado Chiropractic Association The voice of Colorado chiropractic since 1917.www.coloradochiropractic.org - cca@coloradochiropractic.org8751 E. Hampden Avenue #B-7 Denver, CO 80231-4929 - 303-755-9011 OR 800-829-0339

Standing Meetings2013

Mesa County Chiropractic Association Meeting First Wednesday each month

May 1 July 3 September 4June 5 August 7 October 2

12:30 to 1:30 p.m. at UTEC Culinary Restaurant at 2508 Blichman Ave in Grand Junction. You may order ahead by calling 970-255-2641. Please contact Dr. Wes Sheader for more information at drsheader@newlifechiropractic.org or 970-254-2954.

Colorado Chiropractic Association Board of Directors Meetinglocations vary - typically 10 a.m. to 2 p.m. - please check with CCA for details Next Meeting: Thursday, May 16 Thursday, July 18Colorado Women’s Chiropractic AssociationSecond Tuesday of every odd numbered month

May 14th September 10thJuly 9th November 12th

7-9 p.m. CCA Conference Center. Each meeting features a guest speaker and an open forum for ideas and discussion. Contact Dr. Rebecca Noren for more info (303) 984-1111 or noren23@msn.com

Colorado State Board of Chiropractic ExaminersUsually 4th Thursday every other month

Colorado State Board of Chiropractic Examiners (CSBCE). Meetings generally start at 9 a.m. Location is 1560 Broadway, Denver. Check the board’s web site for room and agenda: www.dora.state.co.us/chiropractic/boardmeetings.htm

May 23th September 26thJuly 25th November 14th

eUpdate April 2013

16 17

eUpdate April 2013

Employment law is a diverse area that is controlled by judicial decisions, as well as legislative enactments. In an effort to manage the risks that they face, health care providers should be familiar with evolving topics in employment law.

! Americans with Disabilities Act - The Americans with Disabilities Act (ADA) prohibits employers with fifteen or more employees from discriminating against “qualified” individuals with disabilities. An employer is required to make reasonable accommodations for physical or mental limitations, when such limitations are known by the employer and accommodations would not impose an undue hardship on the business. An employer found in violation of the ADA may be required to pay compensatory, as well as punitive, damages.

! Employment at Will - While an employee hired in Colorado for an indefinite period of time works “at will,” allowing an employer to terminate the employee without cause, this doctrine is quickly eroding away as courts are recognizing more and more exceptions to the general rule. Health care providers must be careful when providing employee handbooks that outline an organization’s procedures and policies, and in making implied promises of long-term employment. Additionally, Colorado has passed a law protecting an employee from being discharged for engaging in lawful activities off of the work-site and during nonworking hours.

! Liability for Payment of Wages - Under most circumstances, the wages earned by an employee must be paid within ten days following the close of a pay period. Upon termination, employees are usually entitled to be paid almost immediately. Failing to comply with the wage laws may result in payment of penalties, besides payment of compensation due to the separated employee. Moreover, the wage laws have been interpreted to allow a separated employee to sue a company’s officers, personally, for unpaid wages.

Legal UpdateManaging Employment Risks

Articles, reports, letters, opinions, advertisements, state-ments, and editorial comments in this publication do not necessarily represent the position of the CCA.

Melissa Winthers is an attorney at Fleishman & Shapiro P.C. She represents people who have been injured in collisions and can be reached at 303-861-1000 or mwinthers@colorado-law.net.

From: A. Craig Fleishman, Managing DirectorFleishman & Shapiro P.C

! Employees vs. Independent Contractors - Classifying an individual as an employee or an independent contractor has an impact on the tax obligations of the employer. Both the IRS and Colorado provide guidelines for determining the existence of an employer/employee relationship or an employer/independent contractor relationship. Careful crafting of the relationship, on the basis of both IRS and state regulations, can help increase the odds of a determination in the employer’s favor.

Employment law is a growing area of concern for all employers. Health care providers should consult with attorneys familiar with employment law in order to increase their awareness of what both state and federal laws require in this expanding area. For further information, please contact:

of DCs surveyed don’t have an OIG Compliance Program in place... Get yours ready in just one weekend.

of CAs admitted they feel unprepared for the job being asked of them... Yours WILL be prepared after just one weekend.

Break the routines and habits that are keeping your office away from compliance and financial ease...

In just one weekendright here in Denver!

Reimbursement and Compliance issues can drag your practice down and frustrate you

into throwing up your hands. Spend the weekend with us and you will:

• Leave with all the components and particulars of your compliance manual,

ready to implement on Monday morning.

• Be immersed with your team in an engaging and insightful workshop,

packed with a wealth of information, all of which is immediately useful.

• Learn strategies and tactics that will increase reimbursement right away.

Attendees report an average increase in excess of $30,000.

72%60%

“I’m so excited to go back to my office and begin implementing the techniques I’ve learned. It will definitely make our practice

stronger and be able to focus on what’s important- our patients.”Dr. T. L. - St. Louis, MO

“Though I know I have a lot of work to do, I end the weekend with certainty that I can create systems to handle management of my practice!”Dr. J. K. - Atlanta, GA

ATTENTION COLORADODOCTORS

The KMC University Hands-On Lab is back in Denver, CO for the first time in 3 YEARS! Don’t miss the opportunity to attend AT A FRACTION OF THE COST!

And that’s not all! As a member of the Colorado Chiropractic Association you will enjoy a preferred admission price!

• No plane tickets • Very small or no travel expenses

Ways the Hands-On Lab increases your reimbursement...

• LEARN the patient financial policies that turn lost patients into MAINTENANCE patients

• SAMPLES of payment plans that patients say YES to

• LEARN exact scripting for your ROF that encourages patients to accept your care plan

• TRAINING for TEAM members, allowing them to raise the roof on collections

• DEMONSTRATIONS of live ROFs presented in living color... You’ll absorb every word!

• LEARN collection procedures to implement immediately that SAVE you time and make you money

MAKE more money!Ways the Hands-On Lab

increases your compliance...• DEMONSTRATIONS that will make MEDICARE

bulletproof in your office

• INSTRUCTION for your TEAM members, teaching them how to protect you and always have your back

• UNDERSTANDING of your COMPLIANCE requirements, including policies and procedures

• OBTAIN your complete compliance MANUAL, ready to customize

• TRAINING on bulletproof DOCUMENTATION, allowing you to practice with no fear

• COMPLETION of up-to-date HIPAA policies and procedures, ready to install Monday morning

KEEP more money!

Helping Chiropractors make and keep more money.

This outstanding workshop experience will tackle the compliance and reimbursement issues that have been confounding you.

Broken down into easy to understand and simple to implement pieces, this training —complete with real-life samples, videos and

demos— will leave you prepared to take on the challenges and opportunities of today’s complex healthcare environment.

1-855-TEAM KMCwww.kmcuniversity.com

$997PER OFFICE**Up to three people.

DENVER, COAPRIL 19-20, 2013

For more information, including hotel info and detailed course breakdown,

call us or visit our website.

VIDEOCASE

STUDIES

It’s time to restore faith, confidence, and belief in your practice. Get back to practicing the way YOU want to for the reasons you became a chiropractor. We provide you

with the tools and knowledge you need.

Walk out the door with at least 5X the value of what you invested. This weekend WILL change your practice! You, your team, and your practice deserve it! Register now!

DC&CABREAKOUTSESSIONS

GUESTSPEAKERS

SAMPLEDOCUMENTATION

MEDICARELIVE

DEMOS

PLUS

AND MUCH, MUCH MORE!

5XITS WORTH INVALUE!PRODUCTS!SERVICE!

Presented by:

$850 ForMembers

1918

eUpdateeUpdate April 2013 April 2013

2120

eUpdateeUpdate April 2013 April 2013

2322

eUpdate eUpdateApril 2013 April 2013

Executive CommitteeChairman of the Board

Nelson Vetanze, DC, CCEP

President Mike Masteller, D.C. DABCO

1st Vice PresidentRobert Bridge, DC

2nd Vice PresidentKelvin Washington, DC, DACBSP, Dipl., Ac.

Secretary-TreasurerSteve Schuster, DC, LCP

Board of DirectorsDistrict 1 Director/Alternate

Rhonda Jackson, DC/Gary Rademacher, DC

District 2 Director/AlternateRobert Nelson, DC, DACBSP, FICC /

James Farrell, DC

District 3 Director/AlternateCraig Warhurst, DC/Craig Pearson, DC

District 4 Director/AlternateGreg Crawford, DC, DABCO/

Aaron Koepp, DC, DABCO,CCSP,CCST

District 5 Director/AlternateRobert Palmer, DC/

Brian Polvi, DC

CBCE Meeting DatesTHURSDAYS

May 23rd Sept. 26thJuly 25th Nov. 14th

The Michael Skolnik Medical Transparency Act of 2010

Senate Bill 10-124 enacts the "Michael Skolnik Medical Transparency Act of 2010" to extend reporting requirements to many health care professionals who apply for or renew a license, certification, or registration, on or after July 1, 2011. The Division of Registrations is in the implementation process at this time. Please refer back to www.dora.state.co.us/chiropractic/statutesrulespolicies.htm for additional information as it becomes available.

It is YOUR responsibility as a Colorado doctor of chiropractic to know, understand and adhere to the Practice Act under which you are licensed. To view the Statutes, Rules, and Board Policies for Colorado doctors of chiropractic, visit:

Colorado State Board of Chiropractic Examiners (CBCE)

Program DirectorDeann Conroy303-894-2983deann.conroy@state.co.us

Staff AssistantLisa Hill303.894.2987lisa.hill@state.co.us

1560 Broadway, Suite 1350 Denver, CO 80202 MAIN (303) 894-7800(303) 894-7764 - Fax

www.dora.state.co.us/chiropractic/statuterulespolicies.htm

Licensing inforegistrations@state.co.usScope of practice infochiro@state.co.us

Board Members and Staff

Colorado Chiropractic Association

The voice of Colorado chiropractic since 1917.8751 East Hampden Avenue #B-7

Denver, CO 80231-4929(303) 755-9011

or (800) 829-0339 Fax (303) 755-1010

e-mail CCA@coloradochiropractic.org

Reprinting of materials is granted, except for materials indicated as copyrighted or reserved, but only upon giving credit to the CCA eUpdate in the reproduction. Reproduction of any other material without credit is prohibited, and if you want to quote or reproduce from any item, call or write for information and permission. Copyright(C) 1989 to present Colorado Chiropractic Association

District 6 Director/AlternateWilliam “Bill” Thomas, DC

District 7 Director/AlternateRandy Roman, DC/Michael Treinen, DC

District 8 Director/AlternateDavid Dickerson, DC

District 9 Director/AlternateShandy Grady, DC/

Lea Yoder, DC

Directors at LargeJill Hutter, DC

Chad Kesner, DC, DACBSP, CCCN, CEDPDavid McClain, DC

Rebecca Heidelberger, DC (alternate)Patrick Ray, DC (alternate)

Staff

Executive DirectorVineta Campau

Membership Development Director

Becci McCormack

Media and Events CoordinatorAmanda Segebart

www.coloradochiropractic.org

Board Meeting Dates

*

for locations please contact the CCA

Find your CCA District

Thurs. May 16, 2013Thurs. July 18, 2013Fri. Sept. 13, 2013(annual business meeting)

Click for CCA

By-laws

(revised September 2011)

eUpdate April 2013

24 25

eUpdate April 2013

By Jennifer Nieto, President of Best Card, LLC

Visa, MasterCard Lawsuit, EMV Technology, PCI Compliance & More

What you should know about the credit card processing industry.

VISA/MC ANTI-TRUST SETTLEMENT AND CREDIT CARD SURCHARGES.

If your practice was taking credit cards between January 1, 2004 and November 28, 2012, you have probably already received “Legal Notice about a class Action Settlement” by mail. You may also receive solicita-tions which look like official notices, but which are actually a rather sneaky marketing ploy. These are from companies wanting you to sign over a percentage (up to 33%) of your portion of the settlement money in exchange for their handling your paperwork, or credit card proces-sors looking to get your business. Know the difference!

Here are the basics of the situation… In 2005, several companies initi-ated a Class Action Lawsuit against MasterCard and Visa (and their member banks) alleging that they violated laws by conspiring to set interchange prices, and by imposing rules that limited merchants ability to steer customers to other payment method (an anti-trust lawsuit). In November 2012, the Federal court handling the case agreed to consider a proposed $6.05+ billion settlement.

The proposed settlement involves two funds (a Cash Settlement for dates above, and an Interchange Fund for transactions for 8 months beginning July 29, 2013). In addition, the settlement requires Visa and MasterCard to give businesses permission to levy a surcharge when they accept credit cards. It is important to note, however, that the following states all have laws which prohibit most merchants from imposing sur-charges: California, Colorado, Connecticut, Florida, Kansas, Maine, Mas-sachusetts, New York, Oklahoma and Texas. (Colorado Revised Statutes 5-2-212 prohibits most Colorado merchants from imposing surcharges.)When and if the anti-trust settlement receives final approval (potentially in September 2013), you will receive a claim form via mail or e-mail. You

will be required at that time to complete a claim form (either by mail or electronically) to receive a piece of the Cash Settlement. You may preregister at the official website (www.paymentcardsettlement.com) but it is not mandatory. If you would like to learn more about proposed settlement, go to the official website or call 800-625-6440 for answers to frequently asked questions and additional information. Operators are also available. Be very careful of taking action on any notice you receive prior to verify-ing the settlement status at that website.

EUROPAY, MASTERCARD® AND VISA® (EMV),

The sophisticated integrated-circuit (IC) “chip” technology that will eventually replace the magnetic stripe on credit cards that has been the standard in the United States since 1960. EMV technology uses dynamic data (versus static data that is on a magnetic stripe and is easily stolen these days) and will reduce credit card fraud and identity theft. EMV has already replaced magnetic-stripe cards in 60 countries (including Canada and most of Europe), and the card associations (such as Visa, MasterCard, Discover and American Express) have all announced phase-in plans for the EMV technology for the United States. The basics of these phases are as follows:

1. Credit card issuers began issuing EMV chip cards in January 2013, and EMV technology will eventually require changes in terminal equipment in order to read these chips. For now, all cards issued will continue to have the magnetic stripe on them also.

2. Processors do not have to have the programming in place until April 2013, and manufacturers of the equipment will be working to refine their technology.

3. Merchants: your office is not actually mandated to accept EMV cards – but the final milestone (and the only one affecting your practice) will be October of 2015, when fraud liability begins shift-ing to the merchant if EMV is not utilized.

You will receive calls implying that you need to purchase new equip-ment now, but as outlined above, these changes are being phased in slowly. It will be more cost-efficient to wait until at least April 2013, when your processor has the certified programming to support EMV technology and the equipment options are wider. (Never lease equip-ment. We often see merchants paying $30-$75 monthly on a non-cancellable 48 month-lease and then having a buyout at the end of the lease. Why pay$1,500-$4,000 for EMV equipment you can own for as low as $225 with adapter (looks similar to a pin pad) for EMV/

2726

eUpdate eUpdateApril 2013 April 2013

contactless readers as low as $150. The EMV/contactless readers will allow patients to wave their credit card or cell phone across the reader (i.e. google wallet, etc.).

PCI stands for “Payment Card Industry” and PCI standards (regulated by MasterCard®, Visa® and Discover®) are designed to protect card-holder identity and reduce credit card fraud. These PCI standards mandate:

• All merchants complete an annual compliance questionnaire (to ensure that you are protecting customers’ cardholder information)

• You do not store full unencrypted card numbers on your com-puter anywhere (in excel file or in dental software).

• Your credit card receipts (both merchant and customer) must truncate the account number (i.e., must not show the entire credit card number).

• If you have an online system for accepting payments, you must have a quarterly computer scan completed by a certified company to ensure that your firewalls and computer system cannot be easily com-promised.

CALCULATE YOUR EFFECTIVE RATE:

Have you ever wondered how much you truly pay to take credit cards? It is a complex industry, and many processors compound this with con-fusing statements and misleading rate quotes. To calculate your true effective rate: Add all the costs and fees on your credit card processing statement (include AMEX and monthly statement fees, PCI compliance, etc.) and divide that number by the total dollars processed that month;Example: $272 ÷ $9876 = 0.0275 or 2.75% effective rateIf this percentage is higher than 2.1% -- you may be paying too much. If you accept more than 30% debit cards, rate should be lower than 2.1%.

Jennifer Nieto is the President of Best Card, LLC and a former Director of Finance for the Colorado Dental Association. Best Card is currently endorsed by ten dental associations (including your CCA) due to their excellent rates (the average dental practice saves 23% in processing fees) and personalized customer service, They have extensive knowledge about the credit card processing industry and welcome your questions. Contact Best Card at (877) 739-3952 or visit bestcardteam.com - FAQ’s to learn answers to many other common questions on credit card processing in-cluding insurance payments via credit card, partial payment regulations (when card is maxed out-especially at year end with Flex Cards/HSA’s), when to void a transaction vs. return, how to best avoid a chargeback, etc. You are welcome to fax them your credit card processing statement for a complimentary cost comparison to (866) 717-7247.

Receive Special Discounts for Continuing Education Hours as well as many other benefits!See pg. 33 for details.

2928

eUpdateeUpdate April 2013 April 2013

The Certified Chiropractic Extremity Practitioner Certification Program (CCEP) Hosted By The Colorado Chiropractic Association

Located at: 8751 E. Hampden Ave. #B-7, Denver CO 80231 Diagnosis and treatment is made simple through understanding the biomechanical functions of each joint. Clinical findings are discussed and demonstrated in this intensive hands-on seminar. Learn a whole new approach to diagnosing shoulder, arm and hand subluxations, entrapments and thoracic outlet syndromes. Know the kinetic chain of the lower extremity like you have never learned it before. learn the etiology of soft tissue injuries, the general mechanism of soft tissue healing, and how to ap-ply these principles to initiate and carry out musculoskeletal rehabilitation programs. Posture, both static and kinetic, is dis-cussed and demonstrated. Understand that treatment of the human structure requires an approach that encompasses the total structure. Areas beyond the articulation must be evaluated and altered for complete healing to occur. Recognize the interrelationship and the necessary intimacy of the spine to the extremities. Extremity dysfunction can and does affect the overall performance of the neuromusculoskeletal system. Thus, a “global” method of evaluation, analysis, and management is necessary. Understanding the signs, symptoms, and syndromes in a 'whole body' management format will solidify the practical application of the principles teamed in all modules. The most challenging patients are those that improve, but never completely resolve their complaints. Learn basic algorithms that will aid in establishing or reinforcing practical proficiency in management protocols. The Founder Dr. Kevin Hearon is an internationally acclaimed expert on extremity adjusting, gait and foot orthotics. He has taught on 13 postgraduate faculties and has published four books, 15 DVDs and a wall chart. Doctors at all levels of athletics have taken courses from Dr. Hearon since 1980. He is the president of the Council on Extremity Adjusting, an international educational organization dedicated to equipping chiropractors in the treatment of extremities.

All Seminars start on Saturday 8am to 6pm with a one hour break for lunch, lunch not provided, and finish

on Sunday 8am to 2pm. Seminar prices are $375 per seminar ($425 for late registration) and $35 for CE credit per seminar

Student rate are available. Registration is simpler than ever!!, You have multiple way to sign up;

1) Council on Extremity Adjusting at 208-375-7431 2) Go on-line @ http://www.kevinhearon.com/store_main.html

January 19-20, 2013 TMJ, Ribs and Shoulder Girdle Dr. Jay Randazzo

February 16-17, 2013 Advanced Principles of Upper Extremity Adjusting Dr. Kevin Hearon

March 2-3, 2013 Advanced Principles of Lower Extremity Adjusting Dr. Nancy North

April 20-21, 2013 Foot Gait & Orthotics Dr. Kevin Hearon

May 4-5, 2013 Advanced Principles of Soft Tissue Dr. Greg Bruno

June 6-7, 2013 Rehabilitation of the Extremities Dr. Paul Hetrick

July 13-14, 2013 Global Assessment of the Extremities Dr. John Downes

There’s one thing you can’t put a price on...

PEACE OF MIND.Patients aren’t the only ones who see your ads offering free or discounted new patient services; auditors and investigators see them too.

Knowing that you are offering discounts the right way in your practice will help you sleep better at night. You won’t be worried about investigations that can lead to fines and penalties of up to $10,000 per occurrence. You’ll rest well, because you are using ChiroHealthUSA.

And if providing you with peace of mind without any cost to you isn’t enough, we’ll show you how to grow your practice by:

• Converting shopper calls into new patients • Transitioning patients from insurance to private pay• Offering options for handling your patients’ HIGH deductibles plans • Offering affordable family plans

Join over 1,600 doctors who have already found a way to grow their practices with peace of mind.

ChiroHealthUSA is the network that works for Chiropractic. With over 90,000 patients on board already, we KNOW your patients will see the benefits. Shouldn’t You?

What are you waiting for? Join us!

You can have a one page simple financial policy as a member of ChiroHealthUSA. Request a sample copy today! Send an email to info@chirohealthusa.com

with FORM in the subject line.Mention the code CCA when registering for the webinar

for a chance to win a $250 Amex Gift Card!

1-888-719-9990www.chirohealthusa.com / info@chirohealthusa.com

JOIN US EVERY

TUESDAYFOR AN INFO-PACKED

WEBINARREGISTER ONLINE AT WWW.CHIROHEALTHUSA.COM

No joining or credentialing fees!

You set your own discounts!

3130

eUpdateeUpdate April 2013 April 2013

32

Name & Title(s):

Clinic name:

Address:

City/State: Zip:

Landmark: Offi ce Hours:

Clinic Phone: FAX: Home Phone: Cell Phone:

Web Site: E-mail:

Home Address (for voting districts):

City/State: Zip:

Spouses Name: Spouse is DC?: Y/ N Your date of birth: Date of CO License::

Have you practiced elsewhere? Y / N How long in practice elsewhere?:

Chiropractic College: Year graduated: State(s) licensed in:

Also affi liated with: How did you hear about the CCA?:

By submitting this application I am committing to a minimum of 1 year membership, at said level, with the Colorado Chiropractic Association (CCA): I agree to uphold the code of ethics and bylaws of the Association and to abide by the rules and regulations set forth, including timely pay-ment of dues. If I wish to cancel membership I will do so in writing. I understand that by providing my fax number, e-mail address, and other business/personal information; I hereby consent to receive faxes, e-mails, texts and other electronic communication sent by, or on behalf of, the Colorado Chiropractic Association unless I notify the CCA to remove my info from the communication list.

Dues Schedule - Please check one: ENHANCED membership

DC (4 years or more in practice) $65.72 Monthly $744.57 Annually $1,500 Annually BRONZE

DC Spouse $17 Monthly $200 Annually Contact the CCA for MORE info on enhanced options.

DC (3 years in practice) $40 Monthly $456 Annually

DC (2 years in practice) $20 Monthly $228 Annually

DC New Graduate $10 Monthly $114 Annually

DC Retired $32 Monthly $363 Annually

DC Non-resident of Colorado or Licensed Non-practicing $75 Annually

Non-DC member/Student $35 Annually

If paying by check, make payable to CCA

MONTHLY DUES MUST BE PAID AUTOMATICALLY - Please select an option below for EASY PAY CC#: _____________________________________________________________________ Exp. Date:

(MC, Visa, AMEX, or Discover)

OR deduct from my checking or savings account BANK NAME:________________________________________

Account #____________________________________________________Routing#:_________________________________or submit voided checkI authorize the CCA to initiate, on or about the 20th of each month, debit entries to my credit card or bank account as specifi ed above, for the minimum of 12 months from sign up date. I understand that dues will be adjusted if my membership classifi cation changes. This agreement will remain in affect unless I notify the CCA in writing to cancel it.

Signature: ___________________________________________________________________Date: ________________

Join the Colorado Chiropractic AssociationThe voice of Colorado chiropractic since 1917.

Please return this completed form with payment to:CCA 8751 E. Hampden Ave #B-7

Denver, CO 80231-4929 or FAX to (303) 755-1010

Dues are deductible as an ordinary business expense. Contributions or gifts to the Colorado Chiropractic Association are not tax deductible as charitable contributions for income tax purposes. However, they may be deductible as ordinary and necessary business expenses subject to restrictions imposed as a result of association lobbying activities. The CCA estimates that the non-deductible portion of your annual dues - the portion which is allocated to lobbying - is 21%.

April 2013

1917

Colo

rado

ChiropraCtiC assoCiation

PROTECT YOUR RIGHT TO PRACTICE

PROTECT YOUR PATIENT'S RIGHT TO RECEIEVE CARE

EASY PAY monthly

deductions from your credit card or

bank account.^gGet to know the new

CCA members in your area!Please contact the doctors in your area and

welcome them to Colorado and the CCA.

It’s EASY - Contact information available at needchiro.com

or call the CCA 303.755.9011 or 800.829.0339

EnhancedMembership

A SPECIAL Thank You to the following generousCCA Enhanced Members

Fred Blesch, DCRobert Borman, DCJennifer Crismon, DCElizabeth Decker, DCGlynn Hopkins, II, DCLarry Low, DCCraig Warhurst, DC

The Colorado Chiropractic Association offers enhanced

membership opportunities to help support YOU, your patients, and the chiropractic profession in Colorado. Your enhanced

membership will be used to fund legislative activity at the state level AND the care and maintenance of the CCA office – the headquarters

for chiropractic in Colorado!

Thank Youto ALL CCA Members

for your support of the CCA and the Colorado chiropractic profession

to the WELCOME!

NEW Colorado Members

Noel KiteLone Tree

Frederico PachecoLittleton

J. Brock LawrenceColorado Springs

eUpdate April 2013

34

eUpdate

Sharon Anable, DCJoseph Arvay, DCPaul Austin, DCAndreas Ballard, DCJason Barnes, DCDavid Barton, DCChristine Bender, DCRichard Bergeron, DCBonnie Borman, DCWilliam Borman, DCDavid Boyd, DCTimothy Brady, DCBob Bridge, DCDouglas Chapman, DCMartin Claus, DCJack Cody, DC Greg Crawford, DCTim Cummings, DCLee Dimick, DCJoe Dziezgowski, DCEric Dzwonkowski, DCAlfred Euhus, DCJim Farrell, DCDoug Forsstrom, DCBrian Foster, DCRoger Franz, DCDonna Frendt, DCDon Gibson, DCKelly GradyShandy Grady, DCEric Graves, DCKeith Graves, DCBrad Gulla, DCJay Hafner, DCGreg Haitz, DCPamela Hart, DCTed Hasty, DCRebecca Heidelberger, DCJulie Henderson, DCBruce Hextel, DC

THANK YOUPAC contributors!

James Hoffman, DCCandice Huffman, DCGlen Hultgren, DCJill Hutter, DCRhonda Jackson, DCRob Jackson, DCDouglas Jones, DCJack Kimura, DCAaron Koepp, DCMandy Kreager, DCTodd Kreager, DCHal Lease, DCCarrie Linn, DCVincent Loparco, DCKeith Lundburg, DCJeffery Maen, DCLuis Marquez, DCRobert Masteller, DCCharles McDonald, DCHeather Meinke, DCIsaac Mooberry, DCSteve Mooring, DCTim Murphy, DCBob Nelson, DCRebecca Noren, DCGlen Pinto, DCPhillip Pollock, DCPaola Porrone, DCDean Raffelock, DCPatrick Ray, DCTim Rinn, DCCheryl Rodebaugh, DC

CC-PAC ClubCC PAC Club

Members 2010-2012Jeremy Rodgers, DCRandy Roman, DCWilliam Salsman, DCJay Sanders, DCSue Schappert, DCSteve Schuster, DCBrock Schwartz, DCTrenton Scott, DCP.A. Skoviak, DCRandy Snyder, DCMike Springfield, DCCraig Stimson, DCMatt Storey, DCCraig Smith, DCScott Smith, DCWilliam Strempel, DCBrian Stutz, DCSteve Sussex, DCMichael Sutter, DCShad Sutton, DCBill Thomas, DCHung Tran, DCMichael Treinen, DCWally Unruh, DCNelson Vetanze, DCKeith Wagner, DCCraig Warhurst, DCGail and John Warner, DCJames Whidden, DCMonty Wilburn, DCMark Wolff, DCJohn Wyatt, DC

Charge my credit card $_____ (up to $550) as a one time donation to the current CC-PAC fund

Charge my credit card $____ now, and, $____on _________ (month) 1st and $____on __________ (month) 1st

Charge my credit card $100 now, and $100 on January 1st and $100 on June 1st

Charge my credit card $50 now, and $50 on January 1st and $50 on June 1st

Contributor’s Name(please print):________________________________________________Profession/employer:________________________

Address:________________________________________________________City/State Zip_____________________________________________

Phone: ____________________________________________________Cell Phone:__________________________________________________

Fax:_________________________________________________________ E-mail:_____________________________________________________

You may also donate by check - please make payable to CC-PAC $_________

Credit Card#:_______________________________________________________________ Exp Date:_______________Visa, Mastercard, Amex, Discover

Signature: ______________________________________________________________________________Date: ________________I authorize the CC-PAC Club to initiate debit entries to my debit/credit card as specified above. This agreement will remain in affect unless I notify the CC-PAC Club in writing to cancel it.

PLEASE scan and email to cca@coloradochiropractic.org OR fax to 303-755-1010Questions? Call 800.829.0339 or 303.755.9011

Why join the club? Donating to the CC-PAC, Colorado Chiropractic Political Action Committee, is the best way to protect your patients rights and patient access to chiropractic treatment in Colorado. Your contribution will be used to support positive, pro-chiropratic contacts with state legislators. Each Colorado legislative session fosters issues that impact doctors of chiropractic and their patients. The Colorado Chiropractic Association, CCA, keeps updated on these issues and together with our lobbyists push for a pro-chiropractic agenda. There is always a need for a well-funded PAC. Please contribute today. Thank you! (Staff, spouse, family, friends and patients can contribute too.)

The Campaign Finance Reform Act establishes rules on contributions to PACs (Political Action Committees) in Colorado. The maximum contribution an individual can make to a PAC is $550 per election cycle (every two years). For example, an election cycle is from December 2012 to December 2014. Corporate/business checks are allowed as well as checks from individual accounts. A husband and wife may make a single $800 contribution if the contribution is done from a joint checking account. Each family member may contribute with their own personal account, but only one contribution can be made from a joint account. In addition, contributions can be made directly to candidate campaigns by individuals up to $400 each two-year election cycle ($200 for the primary election and $200 for the general election). Please include your current address, profession/employer with your contributions to make it easier for the candidates to properly report.

CC-PAC Club

CC-PAC Club Contribution Pledge Form (please check one):

Join the Colorado Chiropractic

P.A.C. Club

April 2013