resourcesABOUT MT AUTHOR GUIDELINES CLASSIFIEDS EDITORIAL CALENDAR MEDIA GUIDE MASSAGE MART SCHOOLS & EDUCATION FEEDBACK
Building Community: A New Way to Socialize Your Practice
Social Media can seem like a slippery slope when, in fact, it is fairly easy to understand. With social media platforms, you can connect with current and potential new clients, build strong customer loyalty and increase brand awareness.
Are You a Stakeholder?
In today's world many new things are occurring, especially in the world of information technology. With these changes, comes an entire new set of vocabulary words and definitions.
Breech Baby: A Scientific Approach
You learned a classic cookbook style treatment strategy in college for treating breech baby presentation. I'm sure you've used it. The main ingredient: moxa at Urinary Bladder 67.
Create Community and Grow Your Practice
Many healthcare providers are fortunate to enjoy the freedom and independence of owning their own businesses. However, the constant demands can lead to a lonely and isolating experience unless you make an effort to get out of your office.
F4CP Making a High-Impact Impression
The Foundation for Chiropractic Progress has released details of its 2016 strategy, certain elements of which are already in play. The strategy includes ads, posters and other resources available to all F4CP members.
Making Sense of an Increasingly Obvious Conclusion
Where's U.S. health care heading? Like it or not, the list of telltale signs is growing to a point that stands out to even the most myopic observer. Consider this list of facts as you look into the future of health care in the United States:
Born to Energize the Human Spirit: Recollections of Sig Miller
Sig Miller, longtime executive director of the Association of New Jersey Chiropractors (ANJC), passed away on Sept. 17 after a long battle with cancer.
The 2015 Nobel Prize Shines a Spotlight on TCM Research
Traditional Chinese Medicine continues to make it's presence felt on the world stage as the 2015 Nobel Prize in Physiology or Medicine was jointly awarded to William C. Campbell and Satoshi Omura for their work on combating parasites and YouYou Tu for her discoveries in combating Malaria.
Suffering Makes Us Human
It is possible that suffering, instead of being something negative, can be one of the greatest gifts to bring out one's humanity — if we allow it to be.
Targeting the Bad Apples in the Bunch
While everyone was focused on the conversion to ICD-10, the Office of Inspector General for Health and Human Services released a new report on chiropractic titled "CMS Should Use Targeted Tactics to Curb Questionable and Inappropriate Payments for Chiropractic Services."
The Concussion-Subluxation Complex
In the Aug. 1, 2014 issue of Dynamic Chiropractic, I reviewed some of the literature demonstrating the role of the chiropractic adjustment in post-concussive care.
Designing a Fitness Plan (Part 1)
It doesn't matter if you come to my practice for pain relief, weight loss, healthy aging or something else. The formula I talk about for each patient's fitness strategy is pretty much the same.
Pro-Con: Swaddling for Newborns
The practice of swaddling has been used for thousands of years and was popular until the 1700s, when it was slowly abandoned by many cultures that considered it old-fashioned or barbaric.
Too Many to Remember: Tips to Revive Your Ortho / Neuro Test Skills
When I was at Palmer in the mid-1980s, we were given a set of notes in one of our diagnostic courses. The notes covered approximately 70 orthopedic and neurological tests for various regions of the body.
Cold and Flu Season: Expanding the Repertoire
As we move into the winter months, it is important for clinicians to have a solid working knowledge of effective herbal protocols for treating and managing clinical cold and flu presentations.
Detoxification Demystified and the Crucifers that Help
"Let food be your medicine and medicine be your food," is a quote often attributed to Hippocrates, a philosopher of the 5th century BC.
When I started to think about what I wanted to do, I toured different schools to choose where to pursue my original chiropractic education.
Yo San University Receives $1 Million Gift
Long-time Yo San University supporter Thomas S. Blount recently gave a $1 million dollar gift to the University, it's largest charitable gift to date. Mr. Blount was a retired naval officer, aerospace consultant and philanthropist.
Diagnose Sprain Injuries in MVA Cases With Dynamic X-Rays (Pt. 1)
Am I the only person to notice hospitals are doing a seemingly insufficient job lately in their initial radiological workup of motor vehicle accident (MVA) victims?
How to Market to the Medical Profession
The world of health care is changing dramatically. When situations occur that cause expenses to increase, it is time for you to develop strategies that maintain and grow revenue.
August, 2010, Vol. 10, Issue 08
Will Green Speaks Up: "I am not faultless"
July 21, 2010
Dear IMA Members,
The IMA celebrated sixteen years of memberships on April 1, 2010. On April 22, 2010 our insurance broker cancelled all five of our insurance policies although we were only in contention over two with one company.
We have been cooperating with the FBI for three years and just yesterday one of the parties plead guilty to insurance fraud. We expect the other parties to be found guilty soon.
I am not faultless. I began to sabotage the business through hurt and anger last year. Looking back I wish I had gotten some help because depression is a subtle destroyer.
I owe the insurance broker about $600,000 and am selling my farm and commercial building to pay that debt. I am embarrassed but honest. I refuse to become a liar.
In July of 2009 I received a claim on one of my two International Entrepreneurs Association's insurance policies. The person was not in our database. Our staff asked the insurance company to send us their file on this case. What we found out was that our insurance policy was being sold by another insurance broker with our name on the policy for an inflated wholesale price.
This had been going on for four years and we had been competing for business against our own policy with the Direct Selling Association in Washington, D.C.
My friends at the insurance brokerage had been raping me economically since 2004. I was hurt and angry. I found out from the U.S. Justice Department Insurance Fraud Division that this was not legal. I did not pursue a legal remedy. I went into a depression without even realizing it.
I stopped paying the insurance premiums and went into a tailspin. I lost interest in everything. When I finally saw where I had gotten to it was almost too late to save the IMA but we were managing the NAMT for their Board of Directors and it was with another insurance company. The premiums were paid up ahead of schedule every month and in great shape. We had only one claim that was not covered.
On April 22, 2010 the broker cancelled the NAMT policy with Colony for no reason except to stop IMA members from moving over to that organization. I was devastated.
I offered to sell the IMA to the ABMP for the balance due but they did not want to be caught up in the FBI case that is still pending. I don't blame them! It is already exploding.
Both the AMC and Massage Magazine wanted to take over the IMA for an insulting deal. My only option was to terminate our staff of 18 people and do the best I could to sell off assets and pay off my debt. I owe the money! I began selling off vehicles, investments, business equipment and now buildings. In over 66 years I have accumulated a home, farm and a commercial building. The farm and building are on the market with two potential buyers. The economy is not good to sell property.
The IMA had an excellent record of claims because I know the business. I have personally massaged over 30,000 hours of clients. I know what not to cover like T-bars.
I am committed to Jesus Christ although I feel like an embarrassment to Him right now. I began too pray a lot more than usual and out of the blue I got a phone call from an insurance broker. I told him what I needed. He told me I was nuts! A few minutes later he called back and said the insurance company was interested. The NAMT was alive again with the best insurance anyone could ever hope for.
The very best insurance companies like State Farm®, Nationwide® or Allstate® are admitted to do business in every state as admitted carriers and their policyholders are protected by state insurance pool funds. This new company is an admitted carrier. All of our previous carriers were surplus lines carriers. Admitted is best, way best!
I never ever even dreamed of getting an admitted carrier to insure massage. Admitted carriers write individual insurance policies for each member. They deliver certificates of insurance on Acord® insurance forms and write separate certificates of insurance for each additional insured, hotels, landlords, parks, etc.
All the other associations have master policies. The members are added to the policy with their limits. Here is what I have learned from the FBI case. The U.S. Justice Department Insurance Fraud Division has also given me a great education. The insurance industry has problems.
These master policies have a limit. Most are $ 10,000,000. Each member is told they have a $ 1,000,000/3,000,000 limit but that is not really true. If the entire policy reaches $ 10,000,000 in claims they have no ($ 0) coverage at all. For sixteen years I was never told this by the insurance brokers. My bet is none of the associations know this!
Knowledge is power. I will never do business again without real insurance done the proper way. I am sad that the IMA is over. The IMA created insurance that covered multiple modalities under one policy. The IMA was the pioneer and for that I am proud.
For sixteen years I was lied to by every insurance agent, broker and personality the IMA dealt with. Each one wanted our money but neglected to tell us the whole story. I was given lots of misinformation. I teach my children to always tell the truth and if you mess up, face up to it, fix it and move on. I want a legacy of honesty.
I have learned more about insurance since the IMA demise than over the previous sixteen years. For several years the IMA sold equine massage insurance only to learn that the horses were not covered. We informed the broker and immediately stopped. Others picked up our business knowing the truth. We could not knowingly do that to our members. That is wrong.
ABMP is with the same company the IMA had. Does their policy have a limit? Good question if you have their coverage. To not disclose the whole story is not right. We need the truth to do business correctly.
Massage Magazine is with the broker who cancelled us and is using an off shore insurer. HOTA and ATA are also with them. I am not sure the broker will survive the ongoing FBI investigation with one of the parties already pleading guilty to insurance fraud just yesterday.
The AMC policy is claims made. If you ever leave them you have no coverage for past claims. The IMA forced everyone to go to occurrence form coverage when we started including the AMTA. In my opinion no sane person would buy claims made insurance. You can never retire!
For massage there is only one logical choice, NAMT, real insurance with a real insurance policy directly from an admitted insurance company for the lowest price in the industry. The insurance company answers your questions directly. Not only that, $ 89.95 a year!
Next Thursday the Health and Beauty Association, Inc. is meeting with a real insurance company for cosmetology, esthetician and nail tech insurance. HBA hopes they will consider including massage in this coverage also.
The IMA is still managing the NAMT for the time being.
The NAMT has dropped their non-profit status as of this month.
At the end of 2010 the IMA will be officially terminated and the HBA will take over management of the NAMT. Lots of changes! In the long run you will be the winner with better insurance that is real and above board.
Sometimes shakeups are good. They are just hard to go through. Change is never easy.
A lie only lasts for a moment but the truth lasts forever. Thank you for your support for the past sixteen years.
I have loved serving you.
P.S. The Massage Today article's information on IMA and myself came from unnamed sources. We know how rumors start. This is simply character assignation. Should I thank them for their unbiased reporting?
Join the conversation
Comments are encouraged, but you must follow our User Agreementcomments powered by Disqus
Keep it civil and stay on topic. No profanity, vulgar, racist or hateful comments or personal attacks. Anyone who chooses to exercise poor judgement will be blocked. By posting your comment, you agree to allow MPA Media the right to republish your name and comment in additional MPA Media publications without any notification or payment.