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Yo San University Celebrates, Supports Community Clinic
Yo San University of Traditional Chinese Medicine recently celebrated 25 years of teaching excellence and serving its community by awarding actor Pierce Brosnan the Robert Graham Visionary Award and raising money for its popular community clinic.
Giving Chiropractic Some Much-Needed PR
Public relations has not always been the chiropractic profession's strong suit, a shortcoming that has subjected the profession to countless attacks on its legitimacy and seemingly perpetual confusion among the public and the health care world as to the skills and services doctors of chiropractic provide.
The Bottom Line ... From a Surgeon Who Knows
Regardless of individual relationships between providers, there continues to be a type of Hatfield-McCoy feud between the philosophies of medicine and chiropractic, particularly when it comes to musculoskeletal ailments.
Correcting Dysfunctional Movement Patterns – Is Local Treatment Enough?
It is widely believed that mechanical, non-traumatic back pain is largely related to dysfunctional or compensatory movement patterns the body has adopted over time.
The McGill Approach to the Lower Back (Part 1)
Stuart McGill, PhD, brings a unique combination of tools to the table. He is a scientist who also functions as a clinician. He describes himself as a medical consultant who is referred challenging patients. He is both evidence based and practical.
Eight Ways to Help Manage Your Content
You have just completed your last session for the day, checked your voice mail and emailed a new patient about their appointment, but something it gnawing at you, something you just can't quite put your finger it on.
News in Brief
Foundation for Chiropractic Progress Enrolls Second Group Member; Focus on Chiropractic Education at WFC-ACC Conference in Miami; Are You Ready for Another "Have-a-Heart" Campaign?
Ancient Chinese Medicine Meets Modern Anatomy Dissection
Have you ever thought it would be beneficial to explore under the skin and examine qi deficiencies in every system of the body? Would you like to see traditional Chinese medicine diagnosis patterns as they relate to western biomedical symptoms and conditions?
Behavior as Symptoms of Energetic Imbalance
Karen and Josh said they wanted me to help them fix their marriage. That is why they were sitting on the couch in front of me, complaining about each other. She was too domineering, he said, overly controlling and bossy.
The Art of Observation
How many of us spend time just watching our clients walk, climb in and out of cars, rise from a chair or navigate a flight of stairs? Spontaneity is the key. Along with a subtle ability to observe without the client knowing or being made to feel like a lab rat.
Treating Our Veterans with PTSD
As July 4th, Memorial Day and Veterans Day continue to pass year in and year out, we honor our veterans from past wars with parades, BBQs and a day off from work, but our veterans live daily with the spiritual scars of war.
The Power of Vitamin K
You may have heard rumblings in recent years that vitamin K helps reduce the risk of osteoporosis and cardiovascular disease, and is administered intravenously by some integrative medical doctors who combine it with high-dose vitamin C in cancer treatment.
Drug War Rages in Wisconsin
Based on its actions over the past 15 years (review the sidebar in the app version of this article), controversy and the Wisconsin Chiropractic Association seem to go hand in hand.
Alcohol Consumption Strongly Linked to Risk of Colorectal Cancer
Alcohol intake is one of the primary risk factors for many human cancers, and is strongly associated with cancers of the oral cavity, pharynx, larynx, esophagus, liver, breast, and notably, the colon and rectum.
Cultivating Our National Strength
The time has come to seriously look at the state of this profession and its influence in the U.S. Where are we? What has happened? Where do we go from here?
Finders Keepers: The Secret to Relationship-Based Marketing
Becoming a successful practitioner has less to do with what you learned in school, and more to do with your ability to find new patients and keep them!
MUIH Launches Doctoral Degree Programs
Maryland University of Integrative Health recently announce it will now offer doctoral degrees.
What TCM Never Had to Deal With
You probably started getting a sense of it when you were in school. The professors would talk about diabetes as "wasting-and-thirsting disease" and you had a thought that you didn't know anyone who was wasting away in any way, shape or form.
Body and Skin Rejuvenation Through Inner Balance, Equals Outer Beauty
First of all, I will draw a line in the sand. You know how there is often a big divide between the methods of Western medicine and holistic or energy medicine?
Hon Lee: Scholar, Warrior, Spy, Teacher and Healer
It was fun. Growing up in New York's Chinatown was like living in a Chinese village that had been transplanted to a five square block area in southern Manhattan. The thing I liked most about the city, and still do, is it's rich cultural diversity.
"Turn, Turn, Turn"
Many people are credited with saying, "If you remember the '60s, you really weren't there." Given the fact I didn't become a teenager until 1970, I actually do remember the '60s (or at least part of it). And as a child of the '60s, I was, of course, influenced by the music.
November, 2001, Vol. 01, Issue 11
Insurance Terminology Defined
By Vivian Madison-Mahoney, LMT
Author's note: Because I have been so busy these past two months, I decided this month's article would be an explanation of the following common insurance or insurance billing definitions.If you would like me to provide more of these terms/definitions in subsequent articles, please let me know. I would like to offer my personal condolences and prayers to any and all of you or your loved ones who are suffering in any form or fashion because of the latest happenings in our country.
1. Adjuster: The insurance company's designated person handling the patient's insurance claim. The adjuster investigates and pays or denies the claim. The adjuster is also the person to get authorization from prior to beginning treatment in a workers' compensation case.
2. Allowed Charges: The maximum amount, according to the individual policy, that the insurance will pay for each procedure or service performed.
3. Assignment of Benefits: The patient's signed permission for the provider to be paid directly, rather than sending payment to the patient.
4. Authorization: Permission from the insurance company to treat the patient. Authorization is also the patient's approval for you to release records, and for you to be paid directly for your services. For a workers' compensation case, most states require that you obtain authorization from the carrier/adjuster or case manager to treat the patient.
5. Carrier: The insurance company or self-insurers' fund.
6. Case Management Services: The process in which the attending physician or agent coordinates the care given to a patient by other health care providers and/or community organizations.
7. Claim: Demand by the insured to recover payment under an insurance policy.
8. Claimant: The employee injured on the job, once said employee has been accepted for medical and/or indemnity benefits by the workers' compensation system.
9. Claims Attachments: Additional claims documentation needed to adjudicate the claim.
10. Claims Department: The department of an insurance company that handles and services claims.
11. Copayment: Also known as co-insurance. The copayment is the portion the patient pays when his/her policy does not cover 100%. This amount is pre-established by the policy and is due at the time of the office visit.
12. CPTTM Main Number: The five-digit medical procedure code assigned in the Physicians'Current Procedural Terminology CPT™ coding system to identify a specific medical service.
13. Customary Fees: The average fee charged in a geographical area by all like providers, or the 90th percentile of all fees charged for a specific procedure by comparable providers in the same geographical area.
14. Deductible: Amounts payable by the policyholder before the insurance company is obligated to pay benefits. Pre-selected at the time of policy purchase.
15. Dependent: A person financially supported by the policyholder; meets the legal requirement for inclusion in a policy.
16. Diagnosis: The art or act of identifying a disease or illness based on its signs and symptoms. Only an MD or a chiropractor can provide a diagnosis. Massage therapist licenses do not allow for diagnosis. Important: be sure the diagnosis on MD prescription/referral, the body areas you treat, and what you document coincide with one another.
17. Diagnostic Code: The statistical code number assigned by the World Health Organization for a specific diagnosis. The number appears in the International Classification of Disease, 9th edition. Also called ICD, or ICD-9-CM code. A physician assigns this code.
18. Disability: partial or complete inability to perform work duties.
19. Disability Compensation Program: Programs that reimburse insured workers' for loss of income due to injury or illness.
20. Disability Insurance: Reimbursement for lost income resulting from a temporary or permanent illness or injury.
21. Documentation: The process of record-keeping and documenting the patient's conditions; therapy; progress or lack of progress; recommendations; and patient management.
22. Employer Self-Insured Programs: Programs whereby employers with sufficient capital insure their own employees against loss of medical expenses and or wages, without contracting with a commercial carrier for coverage. Some of these companies contract with commercial carriers for the administration of their policies.
23. Employer-Sponsored Group Health Plan: A company-sponsored group health plan covering 50 or more employees. Primary to Medicare.
24. ERISA - Employee Retirement Insurance Security Act (federal). Self- insured employers, usually with a large number of employees, come under this act.
25. Established Patient: A patient who has an established chart and has received medical services within the last three years from the original physician, or from another physician of the same specialty in the same group practice.
26. Explanation of Benefits (EOB): Insurance company report to the patient or provider to explain the claims benefits paid, reduced or denied.
27. Fee Schedule: The schedule of fees that the insurance company lists in the policy, stating the maximum dollar amount the insurance company will allow for specific medical procedures performed.
28. Fraud: Deliberate misrepresentation of facts.
29. Group Policy: Written and purchased by an organization or association as a benefit for the employees or members. Employer, union, trade, professional, or other groups with common interests obtain group policies.
30. Health Insurance: A product written to provide protection against the policyholder's losses for the injury, illness or disability.
31. Health care Provider: Recognized licensed practitioner who provides health care to patients independently or pursuant, to the prescription of a physician. Florida LMTs, as well as massage therapists in other states such as Tennessee, are recognized health care providers of massage therapy services.
* Please notify me if your state recognizes massage therapists as health care providers.*
32. HCFA 1500 Form: (Health Care Financing Administration.) This is the claim form most widely accepted by insurance companies when billing for insurance-related services. Also known as the Universal Claim Form.
33. HMO (Health Maintenance Organization): A prepaid managed care, health care provider group practice with responsibility for providing health care services for a fixed fee to subscribers in a specific geographic location. Plan covers preventative services with little or no out-of-pocket expenses. In most cases, members must use the physicians and facilities authorized by the HMO.
34. IME (Independent Medical Evaluation): The examination an insurance carrier may require the patient to have performed by a physician other than the treating physician. This evaluation is used to make a judgment regarding the health-related status of the patient ,to determine the need for further medical services or to discontinue services.
35. Individual Insurance Plan: An insurance plan sold to individuals who are not eligible for medical insurance under a group policy, or to those who need more coverage than is available through their group plan.
36. Insured: The person in whose name the policy is registered, or the subscriber who contracts with an insurance company for insurance coverage. The insured is not necessarily the policyowner or the person being treated. The insured may also be a family member, dependent, or one given permission to drive your automobile. In short, the insured is the person protected under a given policy.
Click here for more information about Vivian Madison-Mahoney, LMT.
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