CHIROPRACTIC INSURANCE EQUALITY LAWS

This matter deserves an entire page of its own. As of November, 2010, it has one, and you have now arrived. Without these laws and the efforts of the chiropractors who worked to enact them, health insurance would not cover chiropractic in Ariizona today.

 

THE KEY ASSOCIATION DOCUMENT TELLING THE HISTORY OF HOW THE LAW WAS PASSED PLUS LETTERS FROM LEGISLATORS WHO LED THE FIGHT FOR INSURANCE EQUALITY

Read the August 1990 AzCA News Special Collectors Edition Insurance Equality Law Signed July 3, 1990. Also, read these important letters from key state legislators who were involved by clicking here.

 

THE CHIROPRACTIC INSURANCE EQUALITY LAW OF 1990 AND 1991

Arizona Revised Statutes 20-461(A)17 and 20-461(B) Unfair Claims Settlement Practices Act: created insurance equality for chiropractic in all individual and group health insurance and PPO plans.

The Arizona Department of Insurance (ADOI) has issued enforcement orders called "Circular Letters" to provide detailed guidance regarding these laws. Three such orders were issued from 1990 to 1992 and can be accessed by clicking here and here and here. In 1995, a new ADOI Director withdrew all of these Circular Letters and issued a new one which is currently in force and can be accessed by clicking here.

 

FOUR NEWSPAPER AND CHIROPRACTIC ASSOCIATION ARTICLES FROM 1988 ABOUT LEGAL AND LEGISLATIVE WARS WITH BCBS OF AZ

"The Battle Against BCBS Rages On," CAA Insight, 1988, launched fight that resulted in passage of law

"Hearing planned for claims feud," 1988 newspaper article about legal battle between chiropractors and BCBS

"Chiropractor sues BCBS over limit reimbursement," 1988 newspaper article about lawsuit filed by Dr. Immerman against BCBS

"BCBS sues CAA so need contributions," BCBS countersued the Arizona chiropractic association

 

HMO LAW OF 2000 REQUIRING COVERAGE OF MINIMUM 12 MEDICALLY NECESSARY CHIROPRACTIC TREATMENTS

Arizona Revised Statures 20-1057.03. Chiropractic care; definitions: requires all HMOs to cover at least 12 medically necessary chiropractic treatments per year.

 

FOUR NEWSPAPER ARTICLES ABOUT HMO LAW

"HMOs need to offer patients more choice," 1995 Phoenix newspaper editorial by Dr. Immerman which started legislative campaign to include chiropractors in HMOs

"HMO reform gets crucial backing," 1999 Arizona newspaper article about HMO reform with chiropractic inclusion

"Health bills to nudge insurance coverage," 2000 Phoenix newspaper article

"Power to Patients," 2000 newspaper article on HMO reform

 

TWO OLDER INSURANCE EQUALITY LAWS THAT WE NEVER CITE TODAY

Arizona Revised Statures 20-841.01. Prohibiting denial of chiropractic contract benefits; direct reimbursement

Arizona Revised Statutes 20-1376.01. Prohibiting denial of chiropractic contract benefits; direct reimbursement