resourcesABOUT MT AUTHOR GUIDELINES CLASSIFIEDS EDITORIAL CALENDAR MEDIA GUIDE MASSAGE MART SCHOOLS & EDUCATION FEEDBACK
Make Every Day Mother's Day
May is a special month for many reasons. After a long, harsh winter, spring is at last in full swing. Memorial Day helps us honor those who have fought and fallen in the name of freedom.
PCOM Granted Regional Accreditation
Pacific College of Oriental Medicine (PCOM) recently announce it has received regional accreditation from the Western Association of Schools and Colleges (WASC). This achievement reflects five years of hard work on the part of faculty, staff, and students.
Teach Your Patients About External Healing Applications
Since the skin is the body's largest organ, and is able to respond to both internal and external stimulations, communicate sensations to the brain, protect the body, breathe and even excrete toxins, it can be an excellent source of healing.
The Tide is Rising in the Acupuncture Profession
Former President Ronald Regan said, "When the tide rises all boats float." The tide is rising for the acupuncture profession. Many forces outside the profession are helping the tides to rise.
Animal Acupuncture: A Case Study in the Treatment of Traumatic Injury in the Equine
The rise of animal acupuncture in the U.S. began in the early 1970's as a result of the work by members of the National Acupuncture Association in Westwood, Calif.
How Much Do You Know About the Benefits of Birds Nest?
Edible bird's nest is the nest made by the Swiftlet bird of Southeast Asia that is usually prepared as a soup and prized in Chinese culture as a healthful delicacy.
Trouble in the Wellness Waters?
Call me old-fashioned, paranoid or just old, but I do remember graduating from chiropractic college in the late '70s in the midst of the Wilk v AMA lawsuit.
The Acupuncturist's Problem
I want share with you some observations and insights into what seems to be the most common problem my colleagues in the acupuncture profession struggles with. If you also struggle with this problem, I hope you get a valuable "aha" moment from reading this.
Functional Impingement of the Hip (Part 2): Rehab Exercises
I find functionally impinged hips that don't move properly on so many of my patients. (See part 1 of this article for a description of the condition.)
If Your Pro-Chiropractic Governor Resigned, Would You Be Prepared?
John Kitzhaber, MD, recently re-elected to a historic fourth term as Oregon governor, has resigned among alleged ethics violations by his fiancée' and first lady, Cylvia Hayes. I developed a personal friendship with John and consider him a good friend.
Medicine is Clumsy, Don't You Be
All medical systems have clumsiness in them. If the technique isn't, the practitioner is. Everyone in every form of medicine is striving to improve. That is why we call it practice.
5 Simple Steps to Create an Effective Marketing Calendar
In the educational experience of most healthcare practitioners, business and marketing are overlooked topics.
News in Brief
Dr. Frank Nicchi Receives Award at ACC-RAC; Sherman College Expands International Influence.
Marijuana, Apathy and Chinese Medicine, Part 1
This article was written in response to the unheeded acceptance of marijuana as a harmless substance that potentially does good when used for the medical relief of pain.
Talking to Patients About Medial Branch Neurotomy (Part 2)
Even when lumbar facet denervation (medial branch neurotomy) is successful, relief is rarely complete or permanent. Smuck, et al., reviewed 16 articles and found the average duration of >50 percent pain relief for an initial procedure was nine months.
Applauding a Legacy of Leadership
Founding Palmer West President, John Miller, DC, HCD (Hon.), FICA (Hon.), a 1954 graduate of Palmer College of Chiropractic, passed away March 8, 2015 at age 83.
Apple Takes a Bite Out of Research
The more than 700 million iPhone users have just been given the opportunity to "do their part to advance medical research."
The Challenges of Integrating Eastern and Western Medicine
My Masters thesis was titled, "The Challenges of Integrating Eastern and Western Medicine," which highlighted several reasons why it is hard for these two worlds to mix.
Integrating Art with Clinical Practice for Patients with PTSD: The Artemis Project
Are you restricted by those one-on-one clinic dynamics? Why not join colleagues and clients in experimental group settings? Three of us volunteered to do just that in Austin on behalf of women veteranss from all branches of the service.
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.