Leavitt's Blog

7/2/08 The 4th is coming.  There is much hype about miles per gallon and celebrations, here are some interesting statistics to celebrate over:

A recent study conducted by Harvard University found that the average American walks about 900 miles a year. Another study by the American Medical Association found that Americans drink, on average, 22 gallons of alcohol a year. This means, on average, Americans get about 41 miles to the gallon.

Happy 4th of July - and beware of statistics.
7/1/08 HHS Secretary Mike Leavitt - I have been asked, "Mr Leavitt, are you related to the current HHS Secretary Mike Leavitt? It is an honor to say, "Yes, were are related." His father, Dixie Leavitt and I are second cousins, and lived in Bunkerville, Nevada town as kids. Mike is a great guy, and he has an awesome responsibility of running the second biggest branch of our USA government.
6/23/08 Medicare Fees - The House bill HR-6331 has not been acted upon, according to our Congressmen's office today. Getting Congress to act on critical matters seems like trying to herd cats down an alley. This fix is needed by June 30th, or we go back to the 2007 fees and its infamous 10% cut. Please call your Congressman today!
6/20/08 Time to Talk - This is the name of a new program from the National Center for Complimentary and Alternative Medicine, NCCAM). Here are FREE and excellent CAM promotional materials to help promote more and better doctor-patient communications about CAM (including chiropractic). This is a must for every DC. Go to it, review it, and download the material.
http://nccam.nih.gov/timetotalk/
6/19/08 24 Visit Cap - California Appeal Court Upholds its Workers' Comp law. Interestingly, any clinical needs of the patient is preempted by law in California.   Here is the full story
6/18/08 Thought for the day: There is no such thing as a messy office room. It is merely organized in chronological order, where the deeper you dig, the further back in time you are.
6/17/08 Beware of rumors - We had a call today regarding no more AT billing to Medicare.  It amazes me how such misinformation gets started and is passed around. This false information is a perversion of the new rules for Maintenance care. The truth is: No more billing to Medicare with a GA modifier when Option # 2 is checked by the patient on the new ABN form for Non-covered services.
6/16/08 Enron had a code of conduct, but no one used it.  Make your code of conduct, ethics, Office Operations manual, and compliance manuals a living document.
5/30/08 And we used to get married for love. Now it is also for money. 7% ...of adults who got married during the past year tied the knot so that one spouse could access the other's health care benefits, according to a study by the Kaiser Family Foundation.
5/19/08 Another merger!  After decades of dealing with Drum Printing for our ChiroCode Hot Topics newsletter and other printing and mailing, they merged with Messenger Graphics last year. A year has passed, and this week we got a promotional propaganda that our new merged supplier has now merged with Capital Litho. They call this merger "team work" to serve us better. Candidly, it is probably only just "survival" in the this world of competition. ChiroCode Institute and its staff is still here, and we will just adjust to another new supplier/vendor. We hope its service is a great.

I am really not against a global economy, because it really is here. It is a reality. But I really am concerned about our national economic survival. I blame our Congress who has been asleep at the wheel and has allowed other oil nations to suck our dollars away at $4 per gallon. Shame on us all for not producing our own energy.

Who Moved My Cheese?
5/9/08 Heritage, Hingham and Home - There are several points of interest regarding Hingham, Massachusetts. It was incorporated in 1635 as the home office of National Heritage Insurance Corporation (NHIC), which has recently been awarded the Medicare contract for processing Part A and Part B claims in Jurisdiction 2 area. Additionally, Hingham is home to the several Leavitts of America, including Mike Leavitt, who is the current Health and Human Services (HHS) Secretary.

John Leavitt, one of my ancestors, arrived in Hingham from England a decade earlier than NHIC did. He was one of its founders, and a select man whose home is still standing on Leavitt Lane. Furthermore, Hingham houses the oldest operating church in America, which was built in part by Deacon John Leavitt. The Leavitt pews are still there, and its cemetery has numerous Leavitt head stones. Now that I know the historical significance of Hingham, Massachusetts, I plan on revisiting our roots and heritage there soon.
5/6/08 Facts or not Facts? Just because it is in print, doesn’t make it true. So called "facts" are not always "actual." In a report by John Goodman, the Godfather of Health Savings Accounts, it seems that another myth (lie) has been exposed about the uninsured.

John disclosed: “According to Families USA, being uninsured is like having one foot in the grave. They claim that 26,260 people who died last year would have been alive today if only they had a Blue Cross card. They even have state-by-state estimates. Six people die every single day in Florida because of lack of insurance. Seven die in Texas. Eight in California."

Facts: “How many of these unfortunate folks are identified by name? Well, none, actually. How many medical records were examined? Zip. How many doctors were interviewed? Nada. How many families were talked to? Not a one. This study is all back-of-the-enveloped, creatively composed in the comfort of their Washington, DC Offices, without ever encountering a single uninsured person. It is exposed by Linda Gorman. It's all based on a very bad 15-year-old study, using 37-year-old data. I'm not kidding. Read more.
5/5/08
Consumer Driven Health Care - Absolutely, I am an advocate of Consumer Driven Health Care (CDHC). It is the healthy alternative to managed care and/or controls by others. It is the only ultimate answer for patients and practitioners.

Your ChiroCode Institute is a Health Care Freedom Coalition Partner. If you also agree with the Coalition's open market agenda and would like to support its goals, you are invited to join. Click here to learn more. Membership is free, and your organization could also be listed. Simply click on "Contact Us" and complete the form.
5/2/08 Chiropractic Endorsements by MDs - Endorsements for chiropractic by MDs were in a recent USA Today.  If you have not seen the ad, click here. Your ChiroCode institute supports these ads and the Foundation for Chiropractic Progress with monthly financial donations. We encourage all of our readers to do the same. Be a part of the solution.
5/1/08 Happy Birthday to the ChiroCode Institute - On this day, May 1st in 1995, the ChiroCode Institute was incorporated by myself and Wil Crandall. It has been an interesting and wonderful 13 year era of service to the chiropractic profession. Today is also the official Law day in the USA. In much of the rest of the world, it is celebrated as "Workers Day," a holiday much like our Labor Day. Therefore, we honor this birth day of our incorporation according to Arizona law on this Law Day, and celebrate Workers Day by working. We thank God that we are alive in this land of the free, and are able to work and serve others.
4/30/08 Payers or Purchasers? - Who we really are and how we define ourselves is critically important.  Although third party payers are now basking in their self-proclaimed role and title of “Health Care Purchasers.” we must refuse to submit to their self-delusion by honoring them as purchasers. They must always remain as payers. We must checkmate this trend and never allow them to be the purchaser in thought, language or deed. The honorable, special title and function of purchaser must always remain the eminent domain of the consumer. 
4/29/08 It is a war - In any war there must be a glorious cause. From the payer perspective, their glorious flag in this war of denials is focused on controlling waste and exposing fraud and abuse. Who can be against such noble proclaimed causes? However, their real motives of control and profits at the expense of the consumer cannot be ignored. 

Electronic Medical Claims (EMC) correlated with Electronic Medical Records (EMR) has commenced a new era for Electronic Claim Denials (ECD). Added to this reality are the new dimension of Evidence-Based Medicine (EBM) and Value-Based Medicine (VBM). What is the service really worth?

By combining EMC with EMR we get more ECD. Our next era is digitizing and adding EBM with VBM information into the claim denial management computers. It will accelerate and expand the ECD. It is evolving into another new era of claims review and denials by third party payers. Practitioners and patients must be alert and aware of these trends. The price is high. It is eternal vigilance.
4/28/08 Insanity - Albert Einstein is credited with the observation that continually doing the same thing over and over, and expecting different results is insanity. Such describes the $360 million spent by our government to improve chronic care.

In three years, since mid 2005, $360 million has been spent on an experiment to improve chronic care and save money. However, it appears that Medicare has not and cannot save one dollar. See the New York Times story.  In reckless disregard of the facts, Medicare still wants to keep on experimenting. "We are not giving up on this stuff," said Mr Kuhn, its Deputy Director, "We definitely want these programs to work."

Such a "want" and lament is as laughable as devoted Socialists who still want Communism to work. There is no substitute for individual accountability and responsibility in a free market. Only consumer controlled health care can bring down the costs, not any Big Brother or Big Sister at the top.

It reminds us of Pres Ronald Regan's observation that the problem is not what people know, but it is what they know that is not true.

Also, this current Medicare failure is confirmation of Goodman's Law of Managed Care. John Goodman states, "(a) 30% of all health care spending is wasted, but (b) managed care can eliminate half the waste at most, and (c) it costs 15% to eliminate the 15% waste, thus (d) netting the payers zero profit for their efforts."

Unfortunately, we continue to suffer from Reagan's Law and Goodman's Law. Premiums for insurance stay high or get higher, without any cost savings to patients.  Einstein is right. It is insanity.
4/17/08 Medical Tourism - Save 40-70% by leaving the USA. Such is the bottom line learned from the Teleconference this last week with others in the Consumers for Health Care Choices (CHCC). Where do the savings come from? Lower costs for labor, buildings, equipment and supplies. Also, the fat malpractice premiums are gone. Some are concerned about that factor, and ask why take the risks then with less quality of care?

Quality of care? The answer is a personal decision about the quality of care one would be getting. Those in the know have interesting news to share. There is an international acceditation process (like here in the USA) and it might even be better than ours. Also, the surgeons typically are trained here and/or the UK, but don't want to be enslaved to our insurance and governmental beaucracies. Thus, from an Evidence and Value based perspectives, it is the new wave. The bottom line is bargain deals for quality healthcare. Typically, it appeals to high-dollar surgeries.
4/15/08 Florida Court Suspends Allstate in Florida. Here is a story from the Miami-Herald that every PI attorney and doctor will want to read.  As my grandmother Ida Alice Peay Durrant said, "the truth will always out".  It's a story Allstate doesn't want told.  Thanks be to God for a free pres, and thanks to NACA Attorney John Pieck in Washington for sharing. Click here to read more
4/14/08 Medical Tourism - It is a small and growing part of the U.S. health care system. It is not just for the uninsured and super rich. It is often portrayed as a safety-net option for the uninsured if they need expensive medical care. However, consumer driven health care with HSA, HRA and MSA contracts are looking for better deals. Insurance companies and employers are entering into medical tourism agreements. Obviously, your patients will not be going to faraway places for routine chiropractic care, but it is having a big impact on surgical care. I will be attending a teleconference on Medical Tourism this week, and share what we have learned.
4/2/08 Universal Healthcare. A majority of doctors now support universal healthcare, according to a new survey.
Click here: "Doctors support universal health care: Survey"  
 
An interesting rationale for such support is expressed in this paragraph: "As doctors, we find that our patients suffer because of increasing deductibles, co-payments, and restrictions on patient care," said Dr. Ronald Ackermann, who worked on the study with Carroll. "More and more, physicians are turning to national health insurance as a solution to this problem."

If this is the real rationale for supporting a new universal systems "solution" that will do away with the above problems, there is a rude awakening coming. Candidly, such an indulgence it is not a solution, but an exacerbation. Those who have such delusions are clueless. If any want a clue, simply look at our existing national health care system (currently limited to seniors - called Medicare).  If we move to a universal system, it will be an expansion of Medicare to include all citizens.  Same problems, but more of them.  No solutions, but shattered hopes.
3/18/08 Life or Death and Breath - Alysaa and Mathew.  There is real hope for those who suffer from many health disorders due to oxygen deprivation (hypoxemia) during their sleeping hours (e.g. 60% of women in a study with fibromyalgia also suffered from nighttime hypoxemia). It would be an absolute sin if I failed to share with others what I have learned about ZHT (Zhou's Hypoxicology Therapy). Over the past three years, my family and I have personally benefited from daily ZHT home care. It is highly probable that ZHT exercises can be more valuable than dental hygiene as a night time routine. Personally, I have been able to avoid using a prescribed CPAP.  Grace says I sleep better and I don't snore anymore.

Alyssa - After three years of suffering from migraine headaches at night (2-5 am), my eleven year old granddaughter Alyssa has escaped her migraine curse. In January, the frequency was 2-3 nights per week. She started basic ZHT exercises seven weeks ago, and she has had only one episode at night since then (and that was fixed with five minutes of ZHT exercises). Alyssa is now migraine free. She has not missed anymore school (the migraines and heaving into the toilet bowl would wipe her out for an entire day). Her grateful parents Wyn and Paul are getting more uninterrupted sleep. Her grandparents (Grace and I) are thankful too.

Mathew - On the other hand, my 29 year old nephew Mathew Nelson died last March. As an asthmatic patient with problems going to sleep he resorted to drugs for help. The Ambien disclaimer is that in rare cases there can be swelling of the tongue and/or death. His autopsy report revealed the presence of Ambien and a muscle relaxant. Because Mathew is genetically related to Alyssa (who had an alluvia that was nearly closed), I now wonder if he actually suffered from the same disorder that appeared to be like asthma.

There is hope for many hypoxemia victims. Doctor Zhou has agreed to do a one day ZHT seminar in Las Vegas NV on April 25th (Friday). I  will soon be sending an invitation to all on our my email list to determine who might be interested in attending to learn more. The patriot Patrick Henry said, "Give me liberty or give me death." This health care advocate, D Henry says: "Give me oxygen and give me breath."
3/11/08 Medicare days of care: has three categories for probable days of care: Levels 1, 2, 3 (Short, Medium and Long term).  Accordingly, we repeat them in our ChiroCode DeskBook. Additionally, we have added the days of care associated for each of the three levels.  Today, we had an interesting phone call from a subscriber who wanted a link and reference to an exact Medicare site to check it out. With a big smile I had to explain to her: 1 No such links are available, so stop looking. 2. This was unique insider information.  3. They are only probable days of care on the old screens used to catch too much care.  4. They are preempted anyway by clinical necessity as demonstrated and documented.  5. Finally, Audits are coming soon to nearly everyone, and every doctor should have quality documentation supporting every AT (active treatment) encounter. Alert! If not, they should plan now to pay it back.
2/28/08
William F. Buckley, an Icon Has Died.  He was an erudite Ivy Leaguer and conservative who had an impact on our society. Although he probably graduated as a Cum laude, and I graduated as a Lorde How Cum, he always left me with a mind stimulated. It was always worth while listening to or reading his messages and musings.
2/27/08 Seminar - Judy Lee was in town today with her seminar. She does a good seminar. Her events are posted on our Seminar page along with others who do a good job.  In response to a her request to make an appearance with 59 attendees, I did so just before the noon break. In her remarks just before the lunch break, she made on a good comment about 97112 (neuromuscular reeducation) and the "sitting and/or standing" clause in the code's description. It inspired me to write a feature article on that topic in our coming ChiroCode Hot Topics newsletter.  Perhaps we can help some good DCs stay out of hot water by not using 97112 inappropriately.
2/18/08 President's Day - Inasmuch as this is a consolidated President's Day, I hereby acknowledge that every person that I know to be a President on this day. While in college, my roommates Dick, LaMont, and Karl had a brainstorming session. We concluded that everyone ought to have and enjoy the unique title of President. Thus, we organized the Signa Phi Nothings as the Founding Presidents. We invited and authorized all on the campus to join our unique and grand organization and be President too.  We had a membership card that could be copied, and each could insert their names. There were no dues. Membership was recognized by wearing a gold safety pin. Activities were to support all those already existing on campus (as there were plenty), including the Wednesday matinee dances. Our annual President's banquet was to attend the cafeteria of your choice with at least another President. With a write-up in our campus paper by a sympatric journalist student, it became instantly popular. Then there was a run on gold safety pins in town. Students everywhere were wearing gold safety pins proudly. Notably, the "Everyone is a President" concept was discussed in the psychology classes and more. It was a fun time, and to this day is causes me to smile to just ponder it all and those days of yore. Candidly, each and every person is unique and special on this planet earth to our God and Great Creator.
2/14/08 Remembering Dr. Monte Greenawalt -  I loved the man. With the current tribute to him in Dynamic Chiropractic this week, I reflected upon my first meeting Monte over a decade ago at a convention. What a gracious and marvelous man. All were enriched by knowing him. It is men like him that make me honored to be associated with this grand profession.
2/11/08 Chiro-Doc in a Box - Since 2007, Wal-Mart, CVS, Walgreens, and Rite-Aid have been testing a Doc-In-A-Box programs. The Wal-Mart market test is complete and it is now rolling-out in three cities: Little Rock, Dallas and Atlanta. The fee is $40 to $65 for a visit with a health care professional. 400 locations are currently planned by 2010. Originally, it was a cash only program, but now specific insurance will be accepted. Take a look at www.walmart.com/clinics

All programs will have unique marketing techniques. CVS has named their clinics the MinuteClinic and will be open seven days a week into the evening hours.

The three ABILITIES to building a practice are: Availability, Affability and Capability. Significantly, Availability is first (even though Capability ought to be first). These new marketing initiatives by big corporations are now causing many existing clinics and doctor offices to re-evaluate their hours of operations. It is also causing practitioners to seek contracts with these big corporations. Perhaps, we all should read the "Who Moved My Cheese" book again.
2/5/08 Electoral Dysfunction - This day is known as "Super Tuesday" for aspirants who would like to be President of our USA. However, as one considers the Constitution and the original Electoral College concept, we have drifted way off course. Our founding fathers had a concept of three branches of government for a balance of power. Sadly, the office of President is now held hostage by the Democrats or Republicans. It is now only an extension of power in Congress and our two party system. What if? What if we had a constitutional amendment to prohibit either or any political party from sponsoring or nominating a candidate, and to reestablish an independent Electoral College and enthrone it with a mandate to do an executive job search (find the best man or woman for the job), to checkmate Congress and lead our nation. It is highly probable that the best person for President is probably someone who would NEVER run for the office.   
2/4/08 Help for $22,000 in denials. Such was the driving force behind a client who called today. Their claims were denied by payers without any explanation. They did not have the 2008 edition, and assumed their denials were due to obsolete codes, and thus they needed to order a new book. I thanked him for the desire and urgency to stay current and for the phone call. But, I assured him that it was probable that their denials were due to other reasons, such a dirty claim (not clean). If denials were due to the dirty claims, the 2008 ChiroCode DeskBook was still their "life-line." It is because it is MUCH MORE than codes. It has information and solutions for many other matters, such as current official instructions for completing the 1500 claim form and a clean claim.  It is so very satisfying to give help and assurance to doctors in need. Now, our challenge is to get our faithful subscribers to read it. In most of our other phone calls today, we simply helped clients to read the book and/or go to the index. It's fun to teach them "how to fish."
1/28/08 Sad and Glad - President Gordon B Hinkley died last night at the age of 97. He was the President and Prophet of the Church of Jesus Christ of Latter-day Saints for the past 12 years. There are many members of this particular church who are doctors of chiropractic. Our kindest thoughts are with them at this time. Although saddened at the loss, most are glad for a peaceful passing of a noble, Christlike man. He was also loved and respected by many who are not of the same faith.  
1/25/08 United Health Group 2007 Report - Highlights: Its Uniprise division for employer health coverage declined by 50,000 people for the fourth quarter. Enrollment in those programs dropped by 175,000 people in 2007, or 0.7 percent. It appears that aggressive denial management strategies have become self-inflicted wounds. Employers and employees are looking for better options for their healthcare dollars. Viva la consumer driven health care.

In the 1/22/2008 report by JOSHUA FREED of the Associated Press, we also learned that its fourth-quarter earnings to climbed 3 percent, as growth in prescription services and Medicaid plans offset smaller profits in its core health coverage division.

UnitedHealth shares dropped about $2.21, or 4.1 percent, to $52.20 in opening trading on 1/22/2008. Over the past year they have traded between $45.82 and $59.46.
1/21/08 Content of Character.  Today is Civil Rights day and a holiday for many. We all should thank Dr. King who enthroned this principle into the awareness of every citizen. Our joy in business to assist ethical doctors of noble character to be more successful. May we all be more civil and respectful of human rights.
1/21/08 Hot News off the Press - Vertebrobasilar artery (VBA) strokes due to chiropractic care is myth.

Cassidy’s new stroke and chiropractic study, published in Spine, should put an end to this myth. The probability of having a VBA stroke after seeing a chiropractor is about the same as a primary care physician (PCP). Any association between VBA stroke and chiropractic could be because people with neck pain and headache tend to seek chiropractic care. The study states, "Because the association between chiropractic visits and VBA stroke is not greater than the association between PCP visits and VBA stroke, there is no excess risk of VBA stroke from chiropractic care."

"This landmark study is very robust with 109,020,875 person-years of observation over 9 years. I’m sure our critics will be apoplectic over this," said Dr Wayne Bennett who shared this information. Click here for the report in Spine.
1/15/08 The truth about Medicare Fees. It seems that truth can sometimes be elusive. We thought that we finally fully understood the Congress and CMS formulas for calculation. Every year our David Berky follows the CMS formula and we arrive at the same amount as CMS; however, this year we have a problem. If we use their rules for "caps" on the work adjustor, we are not able to agree with the latest CMS fee schedule. At this point in time, it appears that their national schedule could be off by a few cents. Today, we are sending our findings to CMS to see if perchance we could be right. Could the home office of CMS really have failed to give us the true fees? Time will tell.
1/10/08
Medicare 2008 Fee Update - The Rest of the Story. CMS (Medicare) has posted the new 2008 fees on their web site. Most Part B contractors have also posted them. The new fees reflect the .5% increase in the national dollar conversion factor. Today, we are excerpting the new Allowed amounts for the three CMT codes for all regions in the USA. Our goal is to post them this weekend in a simple look-up table.

The 2008 fees (until June 30th) includes the December Congressional increase of .5% to the dollar conversion factor. However, and unfortunately, the new fee schedule also includes mandated adjustments and caps (by congress) to the national Relative Value Units. When both elements (adjusted RVU and the dollar conversion factor) are combined, the resulting dollar Allowed amount is less money for most codes.

Because we are in Arizona, I left my personal message with our congressional JOHN team: the Honorables John McCain (presidential candidate), Jon Kyl (senate minority whip) and John Shadegg (house). Our message? "With anymore congressional band-aid .5% raises that result in less dollars paid, many providers will stop seeing patients or go out of business. You are exacerbating the healthcare crisis. Please fix your egregious reimbursement problem."
1/7/08
My First Mistake This Year? - I thought a made a mistake regarding the 2008 Medicare Physician Fee Schedule by reporting a .5% increase. But today it appears that I did not make a mistake. Thus, my first mistake this year.

Last Thursday I sent out a two email messages to all clients and friends. The first email announced the modest increase of .5%. Then I had a phone call from a trusted client stating that a recent meeting within the ACA amongst the Medicare CAC representatives stated that the .5% increase was not a complete truth but only a part of a combined a 10% decrease. Assuming the heresy evidence to be correct, I sent a second email to correct/retract the first email (as we really don't like our clients to be confused). However, over this past weekend CMS posted their 2008 dollar conversion factor, which is $38.087 (a .5% increase from 2007).

Consequently, if the new information posted now by CMS is correct, then my first mail was correct and my second email was incorrect. I need to re-confirm the facts and the new CMS posting before sending a third email.
1/2/08
Information Overload - The Associated Press from New York has named it as the problem of the year.  I totally agree. We should all think twice before we "copy" someone in an email message or hit "reply all." As a consequence of my "information overload," various filters have been installed on my personal computer. My personal fax line and machine is now my preferred form for receiving information, especially if someone really wants assurance of getting thru to me.

The AP news reported that Basex Inc. did a forecast for 2008, and named "information overload" as the problem of the year. Their chief analyst Jonathan Spira declared, "It's too much of a good thing," and it has grown as a consequence of societal expectations for instantaneous responses.

More information available means more time wasted looking for the right information. He estimates that it cost the US economy $650 billion in 2006.

Information management is our mission and challenge at the Chirocode Institute. In 1995, our company with born as the Leavitt Crandall Institute. Our focus was a providing relevant information in helping doctors get paid. We still have the same mission. We do information sifting to get the "gems" and golden nuggets for our clients and subscribers. As we continue to do our job well, we will be in the health reimbursement information business for a long time.

We are committed to reducing "information overload." Additionally, we are committed to providing simple and easy access to relevant health care information for proper reimbursement. Accordingly, we will be launching a new internet product in 2008 for all codes and for all practitioners. Everything known about any code will soon be at one's fingertips.
12/22/07
Seasons Greetings - 2007 has been great and grand year. We have enjoyed being of service to many doctors across the USA. Someone recently asked me the rhetorical question, "How is life treating you?" My response was: "It doesn't really matter; What really matters is how I am treating life." Grace and I are taking time off to be with our posterity for a week. Rejoice, a King is Born. Click here to see our 2007 family reunion photo.
12/21/07
Winter Solstice - Today is the turning point in the sun's path for our planet earth. With this being longest night of the year, we all decided to all wear black (just for the fun of it). Interestingly, it also happens to be the birthday of an x-wife of someone in the ChiroCode office.
12/18/07
Medicare 2008 Deductible is $135 - The annual $135 deductible for Medicare Part B beneficiaries starts January 1st (that is up $4 from 2007). Therefore, if you are the first doctor seen in 2008, rejoice and be glad. You get the first $135 of covered charges.

For example: Your active treatment CMT is a covered service. If your Medicare "allowed" amount is $35, have the patient pay you and enter $35 as the "amount paid" in item/box 25 on the 1500 claim form).

Alert - This annual deductible is for Medicare Part B only. Patients who have Part C (Medicare Advantage) will vary from a -0- deductible to a high deductible of $2,000 to $4,000 in the Medicare Medical Savings Accounts (MSA) option. Look at and copy your patient's Medicare card. It is not always the old Part A and B. Patients are now switching to other options, which they can do at the designated Open Enrollment times (November 15, to December 31st)

12/14/07
GK Modifier Update - Its new description for 2008 is "Reasonable and necessary item/service associated with -GA or -GZ." There is new CMS information on GK for Part A (hospitals), but nothing yet for Part B (doctors). Noridian is a big time contractor, but they don't even have the new description for 2008. We all just need to wait.
12/13/07
Bah Humbug - Tonight is our annual ChiroCode Christmas party. We are going to enjoy Dickens' Christmas Carol, via Theater-in-the-Round. Before the theater we will be dining and "dancing." For all who cannot come, here is our "dancing" by Michael, Kimberly, Brent, and myself. Click here
12/11/07
FREE searching for ICD9 codes - Perhaps the BIGGEST little secret of our chirocode.com website is the FREE ICD-9 searching on our home page. A call from a client today emphasized this little secret. Not every code is in the ChiroCode DeskBook, but every code is here on the web, along with its short description. He needed a code for a fracture of the Medial Condyule (elbow). We took him to the web. He typed in 812 because that is the series for "Fracture of the Humerus." Instantly, all codes in the 812 series appeared on his screen. He found his code. He was excited. I was pleased.
12/07/07
Save with Medicare's MSA - Free from Medicare B...Free at at last! Today, My wife Grace and I switched from Medicare's Part A and Part B to Part C (The new Medicare Advantage option for a Medical Savings Account.) It is the biggest little secret in Medicare.

At last, we can be in control of and be the real purchasers of our healthcare needs. We have signed up and will soon have total control of the first levels of care. But, if we should have a catastrophic problem, we are covered at 100%, after meeting our $4,000 deductible of covered Medicare services.

There are only two insurance companies who have contracted with Medicare for participation in this MSA program for 2008, in the Phoenix AZ where we live: Advantra Savings (Coventry) and Uni-Care Save Well (Wellpoint/BCBS). We chose Advantra because it had the highest deductible plan, which is what I recommend to others.

Here is how it works. Starting January 2008, Medicare deposits $1,570/year into a new MSA bank account for me. It is mine to spend (or not spend) from with a Debit card. I can spend it on any IRS approved healthcare expenses, even those non-covered by Medicare. My MSA eliminates the need for the old supplemental Medigap policy, which saves me about $2,750/year. That is now money I can spend with my chiropractors, rather than pouring it down some insurance premium rat-hole. The MSA deposit and my premium savings (non need for Medigap) gives me about $4,300 in discretionary spending for 2008.

I am happy - I've have not been this happy since I re-registered politically as an Independent. No more governmental interference between me and my doctors, up to my $4,000 deductible of covered expenses. We feel like shouting "Hallelujah," as Grace and I will not get any more letters from Part B Noridian or our Medigap pen pals. We look forward to less in our mail box.

My doctors will be happy - No more claims to file with Medicare. No more hassles with payment reports, appeals or spurious audits. I can pay them at my time of service. However, I will expect that all my providers to:

  1. at least be registered with Medicare as a Non-Participating provider, in the event that I bump the $4,000 deductible of covered services.
  2. provide me with a completed 1500 claim form for my files
  3. be able to accept my MSA debit card.

Advantra Savings by Coventry is in 13 states, by county. Click here for more information about their plan go to www.advantrasavings.net/msa. For more info from Medicare go to www.medicare.gov.

Viva la Medicare MSA!

12/05/07
Chiropractic Technician or Doctor? I was saddened today to take a Quick Question that ended up as a 45 minute Counseling session on the basics of coding. Here was a graduate of a college just 14 months ago. He had worked for another doctor, and now decided to start his own practice. Sadly, he did not know the difference between a diagnostic code and a procedure code, or how they worked together on the claim form. He was clueless on the basics of terminology and the simplest rules for coding and billing. How did he miss that basic business class in college? He had a current ChiroCode DeskBook, but had not opened it. It seemed like I was talking to a chiropractic technician who just wanted to "adjust," and not be a doctor.
12/04/07
Medicare 10.1% cut - Will Congress Fix It, and When? We went to press with the 2008 ChiroCode DeskBook with a prediction that Congress would act and keep the cut from happening. Today, my good friend Bill Carns (President of Practice Max) sent me a "new bulletin from our lobbyist in Washington." The current process is outlined, with high hopes of a present under the Christmas tree for all doctors.

"Over the past few weeks, I've received several inquiries asking whether Congress will act to once again prevent a scheduled cut in physician payments under Medicare from taking effect on January 1. This is what is generally referred to as the SGR (Sustainable Growth Rate) problem. Here's the latest.

Strong bi-partisan and bi-cameral support continues to exist for preventing the scheduled 10.1% cut in physician fee schedule payments. The Bush Administration has indicated it supports Congressional intervention to prevent the cut from taking place. The votes are there to prevent the cut from taking place.

I continue to believe that Congress will enact legislation before adjourning for the year that will "fix" the SGR problem. Several policy and procedural hurdles must be crossed in order for this to happen.

The Senate Finance Committee (the Senate Committee with jurisdiction over the Medicare program) has tentatively scheduled a Committee meeting for next week to consider legislation that would eliminate the SGR cut for at least 2008 and possibly 2009 as well. It is expected that a number of other Medicare issues will also be on the agenda during this meeting. The Chairman hopes to present a package of Medicare changes to the Committee that will enjoy broad bi-partisan support in both the Committee and the full Senate. Behind the scenes work continues on just what exactly will be in that package besides the SGR fix.

Given the relatively short time between now and the end of the year, whatever Medicare package is presented will have to be something that can avoid a filibuster and move quickly. Anything passed by the Senate would still have to be reconciled with the House and that process, too, must move quickly.

As you might imagine, the Medicare fix is not the only issue Congress needs to address before the end of the year. Consequently, I expect that sometime within the next few weeks, Congress will take a number of "must pass" pieces of legislation (including some tax and appropriations bills) and put them into a single bill. Members will be presented with a single up or down vote on dozens of unrelated legislative initiatives which in turn will be presented to the President in a single package for him to sign or veto collectively.

We often refer to these types of legislative vehicles as Christmas Trees. The term comes from the fact that many different pieces of legislation get "hung" on the legislative vehicle like Christmas ornaments and we typically pass these types of bills just about the time the yuletide log is getting lit.

We should know by Christmas Eve whether physicians will find a present under their tree Christmas morning in the form of an SGR fix, or whether there will be coal in their stockings."

11/30/07
Zip Codes and Rejected Claims: Noridian Medicare (and perhaps other carriers too) have a new policy for the zip code on the 1500 claim form. They posted it on their site on Sept 26, 2007 (posting is termed official notification) with an October 1st implementation date. Conseqently, now claims without the ZIP code dash plus 4 digits will not pass thru the computer edits as a cleam claim. Now, all software programs that print out a 1500 paper claim will need a patch. Electonic claims programs will also need to be updated.
In the mean time, offices who have nine digits without the dash are adding the dash manually. I smile. This all underscores the reality check, that claims are processed by computers and not by people.
11/29/07
Medical Savings Account (MSA) – Medicare’s Biggest Little Secret It provides patients and their doctors an escape hatch from the usual Medicare Part B policies and stress. When patients opt into this program within Part C, they opt out of the traditional Part A & B programs. Patients are in control and pay from their MSA, including traditional non-covered Medicare services. It avoids billing hassles and headaches. It eliminates the need for MediGap coverage. Unused MSA funds carry-over for future expenses. Annual sign-ups end Dec 31st. Click here to view the full article.
11/28/07
ACOEM Guidelines ACOEM Guidelines are under a blistering attack by peers. Workers' Comp. in California and other states use the American College of Occupational and Evironmental Medicine (ACOEM) guidelines. From a chiropractic perspective, it has many flaws (as most DCs know). Significantly, it is now under attack by its peers in the International Journal of Occupational and Environmental Health. Thanks to Dr. Warren Jahn at the College on Forensic Science for this info and link.
www.ijoeh.com/pfds/IJOEH_1304_LaDou02.pdf
11/27/07
ChiroCode Seminar Cruise Today we signed the contract for a special seminar on a Royal Caribbean ship (to Alaska from Seattle). It will be a week long event, June 6-13th, 2008. We will post the details soon. About four others will be joining me as our ChiroCode Guest Faculty. Our focus will be on getting paid with clean claims and appeals. Even without a guest faculty, it will be a splendid event.
11/23/07
Phoenix Auto Show What a grand time spent with four grandsons (ages 2, 4, 6, and 8) at the annual big Phoenix Auto Show. They were impressed with TomCar (Israel's version of our Jeep for civilians), imported this year. It is rugged. It survived all four of them--under, in, around and thru (over and over). My favorite car was the new Audi R8 Roadster; the most beautiful car for 2008.
11/22/07
Have Joy in Thanksgiving This Week Here is what Washington said about it....lest we forget.

National Thanksgiving Proclamation, from George Washington, 1789. “Whereas it is the duty of all nations to acknowledge the providence of Almighty God, to obey His will, to be grateful for His benefits, and humbly implore His protection and favor… that we may then unite in most humbly offering our prayers and supplications to the great Lord and Ruler of Nations, and beseech Him to pardon our national and other transgressions…to protect and guide all sovereigns and nations, and bless them with good governments, peace and concord... and generally to grant unto all mankind such a degree of temporal prosperity as He alone knows to be best.”

Have a great holiday and joy in the peace of our Creator, D H Leavitt

11/21/07
Off to the Press The 2008 ChiroCode DeskBook is now at the printer, and it looks like it could be mailed out by the end of December. It is promised for January, so all should go well.
11/20/07
If Doctors Would Only Read Their ChiroCode DeskBook “I could probably retire if our subscribers and doctors would only read their ChiroCode DeskBook.” Such was my sigh and lament today as I got off the phone with one of our good doctors. It is so very hard sometimes to change habits or to get people to read instructions.

These are my basic three rules for ICD-9 coding:

  1. Never code from the alphabetic list only
  2. Never code from the alphabetic list only
  3. Never code from the alphabetic list only

Hopefully, I might now have your attention.  Here are the real rules or “General Coding Guidelines” from the official HHS Guidelines for ICD-9-CM Coding, Section 1, B. They were first published in 2005, and are reprinted in your annual ChiroCode DeskBook. Their first three rules are:

  1. "Use both Alphabetic Index and Tabular List. Use both the Alphabetic Index and the Tabular List when locating and assigning a code. Reliance on only the Alphabetic List leads to errors in code assignment and less specificity in code selection."
  2. "Locate each term in the Alphabetic Index. Locate each term in the Alphabetic Index and be guided by instructional notations that appear in both the Alphabetic Index and Tabular List."
  3. "Level of Detail in Coding – Diagnosis and procedure codes are to used at their highest number of digits available. ….(i.e. 3rd, 4th or 5th)"

Initially, it seemed that they made an error in printing by repeating the title heading in the first sentence of rule #1 and #2.  Now I believe it was by real intent. From a psychological perspective, repetition brings conviction.

It is my plea to all who do coding to follow these first three steps. In my phone call today, my good doctor was searching through all the codes in Alphabetic Indexes only. He became frustrated. He had totally ignored the Tabular (numeric) List. It was not in his searching habit. As we went to the numeric List together, he found the correct code.  Hopefully, he also discovered that it is essential to use both the Index and the List. Only by using both can one “be guided by instructional notations.” Now that he has discovered a new truth, perhaps he can start using both as a new habit!

Then I am a step closer to retirement.   

11/11/07
Encyclopedia and Google During a Berky family dinner table discussion, the word "encyclopedia" came up in conversation. My 8 year old grandson James, who is a book worm, asked, "encyclopedia? what's that?" His mother LaReita explained to James that encyclopedia is a book where you could find information about a subject - before there was Google. James said, "Oh! I get it!"

What a different world we and our grandchildren live in today! What if she tried to explain "card catalogs" sometime? James would think that would be so strange!

11/8/07
Insurance Fair Conduct Act Congratulations to the citizens in the state of Washington who pay insurance premiums. They voted to retain their "Insurance Fair Conduct" Act. They have known from experience who their real enemies are--enemies who spend $11 million to get ride of the new law. That is a lot of money wasted to preserve their payer tactics of delays, denials and defending claims. All they really should have been doing is simply PAY the clean claims promptly.

According to the Wall Street Journal earlier this year, the national estimate for Denial Management being spent by the insurance industry (the payers) was at 11 BILLION. Interestingly, the funds payers spent on this event was as 11 MILLION (assuming the stats are somewhat correct). I wonder if this 11 million is a part of the 11 billion, or just more of  precious consumer insurance premium dollars being poured down a rat-hole?

My good friend Dr Tom Klapp says that is really not about money, but how much money.  It appears that the new law functionally denied the fat-cats of financial fun with fantastic float.

Also, from an accounting perspective (I'm an ole bank auditor), in the past when dollars were received from us premium payers by insurance companies, they were placed on the accounting ledger as PREMIUMS received. However, they have now been reclassified it as INCOME. No longer are they holding our premium dollars for us to use in a "pool." That is the past history, and it is an illusion that too many premium payers still suffer from, in today's world.

In essence, our problems as consumers commenced when those whom we trusted with our money (gold) commenced treating our gold as their gold. Consequently, the old law of the "Golden Rule" became polluted and tarnished. Because they perceive it as their gold, they are making their rules. Hence, the humanist's view of the Golden Rule: "Those who have the Gold, make the Rules."

Perhaps the time has come for a renewal for consumer driven Co-ops or Mutuals.

Herein, we consumers can keep our gold, and make (or help make) our own rules.

Viva la Customer Driven health care!

Click here to read the bill.

Click here to see who wasted 11 million of consumer dollars.  Click here to see that the fuss was all about,
http://www.leg.wa.gov/pub/billinfo/2007-08/Pdf/Bills/Session%20Law%202007/5726-S.SL.pdf

11/7/2007
Fax Is Great: Information overload is a burden to many, including me. If folks really want to get thru to me (without filters and screens) they should send me a fax, rather than email. Candidly, one luxury in my life is a personal fax line (602-944-3337). It come right to my desk.
11/6/2007
Revised Medicare Modifiers Good news. Medicare is now going to follow its own rules...with supporting codes. It is about time. Perhaps nothing made me happier than to see the revisions for two HCPCS modifiers: -GK and -GY for the CMT codes.

-GY is now defined as: "Item or service statutorily excluded, does not meet the definition of an Medicare benefit or, for non-Medicare insurers, is not a contract benefit". (This is much better wording).

-GK is now defined as: "Reasonable and necessary item/service associated with -GA or GZ modifier." Hallelujah! Now, when -GK is also appended with the -GA or -GZ, it sends a clear notice to the payers that the service is still clinically necessary and owed by the patient. The modifier -GA is for much more than just Maintenance care. Now the updated modifier -GK can help solve a big problem of many carriers who had processed all -GA services as only non-Maintenance care. As doctors and carriers use these new modifier codes, confusion can be avoided. Updated beneficiary statements can now clarify to the patient their proper financial responsibility.

11/6/2007
2008 Medicare Fees Medicare Fees for 2008 are scheduled to go down $3.83 for each adjusted RVU valued at 1.0. The new Fee schedule released by CMS (calculated in accordance with Congressional instructions) will be less for 2008, due to "budget neutrality" and the "work factor" adjustments.

Additionally, the RVU for 98940 is down .01, the 98941 is down .01, and 98942 is down .01. The 2008 national dollar conversion factor for all RVUs after their adjustments for the geographic practice cost index (GPCI) and the work factor is $34.0682. In 2007 it was $37.8975. That is $3.83 less for each procedure with an adjusted RVU of 1.0. Translation to chiropractic: If the local adjusted RVU for 98940 is the same as the national UN-adjusted RVU, the new fee would be $23.14. Here is a typical formula and calculation: RVU of .68 x $34.0682 = $23.14.

We support and encourage all political processes to commence a correction. Congress needs to hear from all doctors, loud and clear. Absolutely.

11/5/2007
Daylight Savings Time Here in Arizona, we have opted out of our nation's Daylight Savings games. Dr. Baker in Tucson says, "We have so much daylight, that we don't have to save it." We are MST all year long. Now the rest of the Mountain states can be with us for about five months, and we can be hour closer to Central and Eastern time zones.
11/04/2007
2008 Revisions to Payment Policies under the Physician Fee Schedule, by CMS I confess that I love reading this publication. I just reviewed this proposed document by CMS (going into print in the Federal Register on Nov 27) with many of the final CMS Medicare Fee Schedule regulations. That means that they are taking the 1,481 pages that I read (double spaced in 12 point type) and condensing to only about 600 printed pages in fine print. There were three sections that popped out at me:
  1. Diagnostic X-rays for detecting a subluxation by an MD/DO comes to an end. Yep, it's over. It's now dead. Page 601 starts the discussion and proclaims the final rule. No longer can a patient get Medicare to pay for their x-ray to detect a subluxation by going to an MD/DO. It is an interesting rationale. The bottom line is shifting more $$ costs to the patient and saving Medicare money.
  2. The Chiropractic Demonstration Project that end March 2007 was discussed (page 593). The data impact analysis and report by CMS will be given to Congress in 2009. They declared that they will follow the law to determine if an "aggregate" in dollars spent did not "exceed the amount that would have been paid...if...not implemented." The law gave no methodology to determine the impact, and so they are going to use their own (that has me concerned). If the dollars spent went beyond "budget neutrality," then dollars will be taken back from 98940-98942 codes in 2010 & 2011. I pray for professional people in this process. I also pray that none will be like the drunkard, who only uses a lamp post at night to support his position, rather than for illumination.
  3. Medical Nutrition Therapy (MNT) coverage was clarified for a "registered dietitian or nutritional professional...when referred...by the treating physician," but with some exceptions for "face-to-face assessments and interventions in accordance with nationally-accept protocols." Well, that sure seems to rule-out any innovations. I'm sure glad to not be in that loop, or I might be dead by now. There are MNT codes for these folks who are not physicians. Doctors typically use their own E/M counseling codes anyway.
11/03/2007
2008 HCPCS Codes At last, the new 2008 HCPCS codes arrived last night via the internet. I just finished reviewing them all, and excerpting those for our 2008 ChiroCode DeskBook. My eyes are tired. My head is spinning. There are about 300 new codes. Excerpts that are chiro-appropriate are being taken from three categories: supplies, services, and documentation. Here is an initial overview:

New Supply codes are for adhesive bandages (finally), cervical collar with inflatable air bladder, foot pressure off-loading support device, orthoses for finger/hand/wrist, etc.

New Service codes are for: computerized hand held electrodiagnostic testing, alcohol and substance abuse testing/counseling, DXA studies, etc.

New Documentation codes are for entry into the electronic medical records: About 45 of the 110 new codes in this group could be chiro-appropriate for our book (e.g. Neurological exams, lower extremities, footwear evaluation, body mass index, pain assessment, treatment plans, blood pressure,.etc.). Probably these are for the new pay for performance bonuses, detailing what is in the chart in support of quality E/M services. Demonstrating that my doctors have jumped through all the hoops and hurdles.

I will send these to our ChiroCode advisory committee for review, and then to Brent for publishing in the 2008 ChiroCode DeskBook.

11/02/07
Computer Problems Solved Thanks be to God for experienced experts! After months of frustrations with routers for our computers, our angel (geek & guru) Craig Wason arrived. Our problems were not in hardware, but in software instructions and hand-shaking. We also learned about new terrorist virus programs that will harass us all. I have grave concerns about security and privacy for the future of internet services. I hope that all of our clients, subscribers and friends will have minimal problems and become prepared to cope well with our changing world.
10/30/07
Workers' Comp. Question doctor called us regarding a Workers' Comp. claim question in his state. We gave him the "Directory" for subscribers with the contact information for his Workers' Comp. We recommended getting their specific information and policy on the matter at hand. He called them, but they recommended that he speak to the ChiroCode Institute. Then as a courtesy, they transferred his call to us. So now we are the authority for that state. Wow, what a responsibility!
10/29/07
Big Pharma Here is a most delightful ranting and railing on big Pharma by Bill Maher. It's Guaranteed to make you laugh and smile.  Every health advocate ought to see.       http://youtube.com/watch?v=rHXXTCc-IVg
10/26/07
First Impressions "You never get a second chance to make a first impression", is a grand truth we taught in seminars for receptionists. Kim Klapp's email today reported about her sad experience in an optical shop as a client.  Those who attended to her needs violated about every rule in the book of Common Courtesy.  Conversely, it is our hope and goal that all who call our office with an order or question, feel that they are special and appreciated.  Every CA ought to listen to her teleclass someday.
10/22/07
Fall Has Arrived in Phoenix It now seems like heaven. The 2007 summer record breaking heat wave is over. We had over 100 days of 110 degrees or more. We can go outside and breath the cool air. Cold water from the tap is now less than 80 degrees. And we can't fry eggs on the sidewalks anymore this year.
10/19/07
It Did Happen Another myth is now false. I attended the annual 2007 ACCC meeting and learned from Mike Miscoe that the old phrase "If it is not documented, it did not happen," is not really true anymore. In a court room, a patient and the doctor both testified that the services in dispute with a payer were actually given. Such a testimony of truth was good enough for the judge, and ruled that "it did happen." Consequently, that old phrase must be updated to: "If it is not documented, PERHAPS it did not happen." Conclusion: save stress, court time and legal fees, and document anyway. Call us if needed.
10/17/07
Free Resources We have moved some of the free resources from this column to FREE Resources where they properly belong (e.g. Medicare Fees by state for their Allowed Amounts and Limiting Charges).


Contributors to Washington's NO on R-67 (Their Insurance Fair Conduct Act)

DATE  - Amount - Contributor Name  (as of 11/02/07) TOTAL CASH
 06/21/2007 $222,180.00 ALLSTATE INSURANCE CO
 10/03/2007 $855,210.00 ALLSTATE INSURANCE CO $1,077,390.00
 10/12/2007 $10,000.00 AMERICAN COUNCIL OF LIFE INSURERS PAC
 07/23/2007 $3,000.00 AMERICAN FAMILY INSURANCE
 10/04/2007 $500.00 AMERICAN INSTITUTE OF ARCHITECTS WA. COUNCIL

 05/23/2007 $34,535.20 AMERICAN INSURANCE ASSOCIATION
 08/13/2007 $100,000.00 AMERICAN INSURANCE ASSOCIATION
$134,535.20
 09/10/2007 $20,000.00 AMERICAN INSURANCE CO
 08/02/2007 $6,000.00 AMERICAN INTERNATIONAL GROUP
 08/02/2007 $9,000.00 AMERICAN INTERNATIONAL GROUP
 10/11/2007 $10,000.00 AMERICAN INTERNATIONAL GROUP
$25,000.00
 06/21/2007 $10,488.00 AMICA MUTUAL INSURANCE CO
 08/22/2007 $27,018.00 AMICA MUTUAL INSURANCE CO
$37,506.00
 10/24/2007 $100.00 BALDINI RICK
 09/27/2007 $500.00 BOSTON MUTUAL LIFE INSURANCE CO
 07/26/2007 $50.00 BUCKNER RANDY
 09/27/2007 $1,000.00 CENTRAL STATES HEALTH & LIFE CO OF
OMAHA
 06/27/2007 $47,610.00 CHUBB & SON
 10/10/2007 $100,000.00 CHUBB & SON $147,610.00
 09/11/2007 $500.00 CONOVER INSURANCE INC
 06/22/2007 $24,564.00 COUNTRY MUTUAL INSURANCE CO
 08/13/2007 $50,000.00 COUNTRY MUTUAL INSURANCE CO
 10/15/2007 $26,000.00 COUNTRY MUTUAL INSURANCE CO
$100,564.00
 05/31/2007 $66,792.00 ENUMCLAW INSURANCE GROUP
 08/08/2007 $311,454.00 ENUMCLAW INSURANCE GROUP
 10/12/2007 $25,000.00 ENUMCLAW INSURANCE GROUP
$403,246.00
 05/30/2007 $11,583.60 FARMERS GROUP INC
 06/28/2007 $257,917.00 FARMERS GROUP INC
 08/16/2007 $912,600.00 FARMERS GROUP INC
 09/19/2007 $342,225.00 FARMERS GROUP INC
$1,524,325.60
 06/21/2007 $41,124.00 FIREMAN'S FUND
 08/03/2007 $116,000.00 FIREMAN'S FUND
 09/17/2007 $37,770.00 FIREMAN'S FUND
 10/10/2007 $37,700.00 FIREMAN'S FUND $232,594.00
 08/22/2007 $200.00 GARLAND TOM
 07/03/2007 $68,875.00 GEICO INSURANCE CO
 08/09/2007 $203,935.00 GEICO INSURANCE CO
 10/15/2007 $100,622.00 GEICO INSURANCE CO $373,432.00
 10/23/2007 $250.00 GPM LIFE INSURANCE CO
 06/21/2007 $24,840.00 GRANGE INSURANCE ASSOCIATION
 08/03/2007 $115,830.00 GRANGE INSURANCE ASSOCIATION
 10/22/2007 $5,000.00 GRANGE INSURANCE ASSOCIATION
$145,670.00
 07/03/2007 $13,524.00 GREAT AMERICAN INSURANCE CO
 10/22/2007 $100.00 JENNIFER H. EVANS AGENCY
 09/27/2007 $250.00 KLEIN STEVEN  DR
 05/21/2007 $20,000.00 LIABILITY REFORM COALITION
 07/11/2007 $78,660.00 LIBERTY MUTUAL
 10/09/2007 $202,710.00 LIBERTY MUTUAL $281,370.00
 10/16/2007 $5,000.00 MASS MUTUAL FINANCIAL GROUP
 10/22/2007 $500.00 MTL INSURANCE CO
 06/25/2007 $61,410.00 NATIONWIDE MUTUAL INSURANCE CO
 08/20/2007 $249,912.00 NATIONWIDE MUTUAL INSURANCE CO
$311,322.00
 06/21/2007 $2,000.00 NATL ASSN OF MUTUAL INSURANCE CO

 08/01/2007 $20,000.00 NATL ASSN OF MUTUAL INSURANCE CO
22,000
 09/04/2007 $5,000.00 OHIO CASUALTY GROUP
 06/11/2007 $9,000.00 OREGON MUTUAL INSURANCE CO
 08/20/2007 $23,463.00 OREGON MUTUAL INSURANCE CO
32,463.00
 10/09/2007 $25.00 POWERS PATRICK A.
 10/12/2007 $10,000.00 PRINCIPAL LIFE INSURANCE CO
 09/24/2007 $5,000.00 PROFESSIONAL INSURANCE AGENTS WESTERN
ALLIANCE
 06/21/2007 $104,052.00 PROGRESSIVE CASUALTY INSURANCE COMPANY

 08/30/2007 $209,385.00 PROGRESSIVE CASUALTY INSURANCE COMPANY

 10/02/2007 $84,000.00 PROGRESSIVE CASUALTY INSURANCE COMPANY
$397,437.00
 05/25/2007 $5,000.00 PROPERTY CASUALTY INSURERS ASSOCIATION OF AMERICA
 06/15/2007 $125,000.00 PROPERTY CASUALTY INSURERS ASSOCIATION OF AMERICA
 08/20/2007 $750,000.00 PROPERTY CASUALTY INSURERS ASSOCIATION OF AMERICA $880,000.00
 10/08/2007 $100.00 REIGHLEY DAVID MR
 06/27/2007 $230,460.00 SAFECO
 08/10/2007 $651,300.00 SAFECO
 09/13/2007 $423,345.00 SAFECO $1,305,105.00
 08/31/2007 $453,024.00 ST PAUL TRAVELERS
 10/11/2007 $150,000.00 ST PAUL TRAVELERS $603,024.00
 10/10/2007 $10,000.00 STANDARD INSURANCE CO
 05/25/2007 $12,220.60 STATE FARM MUTUAL AUTOMOBILE INSURANCE CO
 06/14/2007 $271,784.00 STATE FARM MUTUAL AUTOMOBILE INSURANCE CO
 08/03/2007 $1,324,323.00 STATE FARM MUTUAL AUTOMOBILE INSURANCE CO
 10/10/2007 $200,000.00 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
$1,808,327.60
 07/09/2007 $31,188.00 UNIGARD - WINTERTHUR US HOLDINGS INC

 08/09/2007 $120,081.00 UNIGARD - WINTERTHUR US HOLDINGS INC

 10/12/2007 $11,300.00 UNIGARD - WINTERTHUR US HOLDINGS INC
$162,569.00
 09/27/2007 $5,000.00 UNITED HERITAGE FINANCIAL GROUP INC

 06/22/2007 $26,496.00 UNITRIN SERVICES CO
 09/17/2007 $53,280.00 UNITRIN SERVICES CO
 10/12/2007 $48,672.00 UNITRIN SERVICES CO $128,448.00
 06/21/2007 $25,392.00 WR BERKLEY CORPORATION
 10/09/2007 $118,000.00 WR BERKLEY CORPORATION
 07/16/2007 $64,308.00 ZURICH
 08/27/2007 $200,000.00 ZURICH
 09/18/2007 $100,000.00 ZURICH $364,308.00
TOTAL $10,752,237.40
IN KIND DONATIONS
 10/15/2007 $200,000.00 ALLSTATE INSURANCE CO
 10/15/2007 $223,350.20 ALLSTATE INSURANCE CO $423,350.20
 09/17/2007 $133.16 CHILDERS DANA
 10/15/2007 $19,280.00 FARMERS GROUP INC
 10/25/2007 $1,399.23 MCKINNON MICKI
 09/25/2007 $75.08 OREGON MUTUAL INSURANCE COMPANY
 10/15/2007 $110,000.00 SAFECO INSURANCE CO
 10/15/2007 $29,900.00 SAFECO INSURANCE CO
 10/12/2007 $5,000.00 SAFECO INSURANCE CO
 10/01/2007 $2,910.00 SAFECO INSURANCE CO
 10/12/2007 $107,338.49 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
 10/12/2007 $899.06 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY

 09/30/2007 $100.00 TEFFT KRIS MR
 10/17/2007 $611.06 TRAVELERS
 10/15/2007 $291.40 UNIGARD
TOTAL $701,287.68
Grand Total $11,453,525.08

NOTE:  I counted only about 5 "real" people as contributors providing less than $2500,  compared to total insurance contributions of $11,453,525.

John C. Peick, J.D.
Peick | Conniff, P.S.
1813-115th Avenue NE
Bellevue, WA 98004
425-462-0660 (office)
425-462-7203 (fax)
jpeick@peickconniff.com <mailto:jpeick@peickconniff.com>
www.peickconniff.com <http://www.peickconniff.com>