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Wonderful reply, I had forgotten I also do not charge for colleagues

....health care providers, nor my pastor and his wife....I treat or have

treated several of the MDs here in my home town.....

Thanks,

Vern Saboe

Re: [aca-members] " Opinions - Treating a Colleagues Immidate faimly

Members?

My parents were both Chiropractors and they also never charged any physician

(of any specialty) or a person of the cloth. I have continued this in my

office as a way of practice. After all we healers need to look after each

other and our families. Rob

On Aug 23, 2010, at 7:36 AM, Vern Saboe wrote:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of practice he

would never charge for his services when treating the immediate family

member of a chiropractic colleague which he refered to as a " professional

courtesy. " I have carried on that tradition for nearly 30 years and really

do view treating the mother, father, or wife, husband or children of a

colleague as almost an honor and as a professional courtesy have never

charged for my services. Of course that individual fills out all the usual

paper work including my informed consent sheet, I take a history, perform a

consultation, and most assuredly give that family member my professional

best documenting all in my chart notes which are forwarded usually (with

permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be interested

to know what you colleagues think? What do you do? Am I archaic in my

thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@...

> NOTE: The ACA does not accept requests/inquiries through the listserve.

The listserve is for peer-to-peer collaboration only. If you have an

insurance-related question/concern you wish to bring to the attention of the

ACA, please email insinfo@....

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

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…and why doesn’t this surprise me of you Jim…gosh…I wonder if it

might have something to do with the quality and not just the quantity by which

you live your life eh?

Thanks for your input however anticipated if may have been ha!

Vern Saboe

From: Winterstein

[mailto:jwinterstein@...]

Sent: Monday, August 23, 2010 7:44 AM

Vern Saboe; aca chiro list; Oregondcs

Subject: Re: [aca-members] " Opinions - Treating a Colleagues

Immidate faimly Members?

Dear

Vern,

I, of course am an “old-timer” too and functioned just exactly as you do. No, I

do not think this is “behind the times,” but rather a simple concern for

colleagues and their families. The ACA Code of Ethics used to require this kind

of service. I don’t know if it is still in there or not. What I do know is that

over the years, I have referred one or more of my children to DCs for care and

only 2 of them took care of my children without charges. Some even tried to

scam them into hundreds of dollars of vitamins etc. I have been amazed and

disappointed by some of my colleagues.

JimW

On 8/23/10 8:36 AM, " Vern Saboe " <vsaboe@...>

wrote:

Dear

Colleagues I would like your opinions,

My father started our practice in 1956 and in all his years of practice he

would never charge for his services when treating the immediate family member

of a chiropractic colleague which he refered to as a " professional

courtesy. " I have carried on that tradition for nearly 30 years and

really do view treating the mother, father, or wife, husband or children of a

colleague as almost an honor and as a professional courtesy have never charged

for my services. Of course that individual fills out all the usual paper

work including my informed consent sheet, I take a history, perform a

consultation, and most assuredly give that family member my professional best

documenting all in my chart notes which are forwarded usually (with permission)

to my chiropractic colleague.

Though I have no intention of changing this protocol I would be interested to

know what you colleagues think? What do you do? Am I archaic in my

thinking? Behind the supposed times? A knucklehead?

Just curious here in Oregon,

Cheers,

Vern Saboe DC FACO

______________________________________________________

ACA-members mailing list

To post to the list:

ACA-members@...

NOTE: The ACA does not accept requests/inquiries through the listserve.

The listserve is for peer-to-peer collaboration only. If you have

an insurance-related question/concern you wish to bring to the attention of the

ACA, please email insinfo@....

To unsubscribe or change membership options:

http://ww3.chirolists.com/mailman/listinfo/aca-members

List options tutorial:

http://www.chirolists.com/index.cfm?nid=6

Email filters tutorial:

http://www.chirolists.com/index.cfm?nid=7

Visit the ACA online at:

http://www.acatoday.org

______________________________________________________

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Perfectly said ....Vern Saboe

Re: [aca-members] " Opinions - Treating a Colleagues Immidate faimly

Members?

Over the years, I have treated many DC family members (kids, parents,

etc) and have not charged them

I have charged, however, divorced spouses of DC's -

john gentile

Quoting Vern Saboe <vsaboe@...>:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of

> practice he would never charge for his services when treating the

> immediate family member of a chiropractic colleague which he refered

> to as a " professional courtesy. " I have carried on that tradition

> for nearly 30 years and really do view treating the mother, father,

> or wife, husband or children of a colleague as almost an honor and

> as a professional courtesy have never charged for my services. Of

> course that individual fills out all the usual paper work including

> my informed consent sheet, I take a history, perform a consultation,

> and most assuredly give that family member my professional best

> documenting all in my chart notes which are forwarded usually (with

> permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be

> interested to know what you colleagues think? What do you do? Am I

> archaic in my thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@...

> NOTE: The ACA does not accept requests/inquiries through the

> listserve. The listserve is for peer-to-peer collaboration only.

> If you have an insurance-related question/concern you wish to bring

> to the attention of the ACA, please email insinfo@....

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

>

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Thanks for the input Todd...Vern Saboe

Re: [aca-members] " Opinions - Treating a Colleagues Immidate faimly

Members?

Over the years, I have treated many DC family members (kids, parents,

etc) and have not charged them

I have charged, however, divorced spouses of DC's -

john gentile

Quoting Vern Saboe <vsaboe@...>:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of

> practice he would never charge for his services when treating the

> immediate family member of a chiropractic colleague which he refered

> to as a " professional courtesy. " I have carried on that tradition

> for nearly 30 years and really do view treating the mother, father,

> or wife, husband or children of a colleague as almost an honor and

> as a professional courtesy have never charged for my services. Of

> course that individual fills out all the usual paper work including

> my informed consent sheet, I take a history, perform a consultation,

> and most assuredly give that family member my professional best

> documenting all in my chart notes which are forwarded usually (with

> permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be

> interested to know what you colleagues think? What do you do? Am I

> archaic in my thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@...

> NOTE: The ACA does not accept requests/inquiries through the

> listserve. The listserve is for peer-to-peer collaboration only.

> If you have an insurance-related question/concern you wish to bring

> to the attention of the ACA, please email insinfo@....

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

>

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Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

______________________________________________________

ACA-members mailing list

To post to the list:

ACA-members@...

NOTE: The ACA does not accept requests/inquiries through the listserve. The

listserve is for peer-to-peer collaboration only. If you have an

insurance-related question/concern you wish to bring to the attention of the

ACA, please email insinfo@....

To unsubscribe or change membership options:

http://ww3.chirolists.com/mailman/listinfo/aca-members

List options tutorial:

http://www.chirolists.com/index.cfm?nid=6

Email filters tutorial:

http://www.chirolists.com/index.cfm?nid=7

Visit the ACA online at:

http://www.acatoday.org

______________________________________________________

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Well now you got me thinking (danger!)

I don’t charge fellow chiropractors or their family, but I

do charge other health care providers including my dentist and our family

doctor.  They charge me, (PLENTY!) for all of their procedures AND they don’t

provide a discount for paying at the time of service like we do.  Some of them

have insurance that covers chiropractic and fully expect us to bill for our

services.

Do you really think we are morally obligated to offer gratis

care to all health care providers?

Don , DC

Corvallis

From:

[mailto: ] On Behalf Of vsaboe

Sent: Monday, August 23, 2010 9:03 AM

'Todd Rubley'; chiro@...

Cc: 'aca chiro list'; Oregondcs

Subject: RE: [aca-members] " Opinions - Treating a

Colleagues Immidate faimly Members?

Thanks for the input Todd...Vern Saboe

Re: [aca-members] " Opinions - Treating a Colleagues Immidate

faimly

Members?

Over the years, I have treated many DC family members (kids, parents,

etc) and have not charged them

I have charged, however, divorced spouses of DC's -

john gentile

Quoting Vern Saboe <vsaboe@...>:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of

> practice he would never charge for his services when treating the

> immediate family member of a chiropractic colleague which he refered

> to as a " professional courtesy. " I have carried on that

tradition

> for nearly 30 years and really do view treating the mother, father,

> or wife, husband or children of a colleague as almost an honor and

> as a professional courtesy have never charged for my services. Of

> course that individual fills out all the usual paper work including

> my informed consent sheet, I take a history, perform a consultation,

> and most assuredly give that family member my professional best

> documenting all in my chart notes which are forwarded usually (with

> permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be

> interested to know what you colleagues think? What do you do? Am I

> archaic in my thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@...

> NOTE: The ACA does not accept requests/inquiries through the

> listserve. The listserve is for peer-to-peer collaboration only.

> If you have an insurance-related question/concern you wish to bring

> to the attention of the ACA, please email insinfo@....

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

>

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

______________________________________________________

ACA-members mailing list

To post to the list:

ACA-members@...

NOTE: The ACA does not accept requests/inquiries through the listserve. The

listserve is for peer-to-peer collaboration only. If you have an

insurance-related question/concern you wish to bring to the attention of the

ACA, please email insinfo@....

To unsubscribe or change membership options:

http://ww3.chirolists.com/mailman/listinfo/aca-members

List options tutorial:

http://www.chirolists.com/index.cfm?nid=6

Email filters tutorial:

http://www.chirolists.com/index.cfm?nid=7

Visit the ACA online at:

http://www.acatoday.org

______________________________________________________

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

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I too have provided services for DC's for years with no charge and will

continue to do so.I do not do this for their families however.

Interestingly several have asked to have a regular fee arrangement for

different reasons. Where i will not do this is with the PI or comp

patient when there are other possibly complicating medico-legal issues.

Colwell, DC

On 8/23/2010 9:02 AM, vsaboe wrote:

Thanks for the input Todd...Vern Saboe

Re: [aca-members] "Opinions - Treating a Colleagues Immidate

faimly

Members?

Over the years, I have treated many DC family members (kids, parents,

etc) and have not charged them

I have charged, however, divorced spouses of DC's -

john gentile

Quoting Vern Saboe <vsaboe@...>:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of

> practice he would never charge for his services when treating the

> immediate family member of a chiropractic colleague which he

refered

> to as a "professional courtesy." I have carried on that tradition

> for nearly 30 years and really do view treating the mother,

father,

> or wife, husband or children of a colleague as almost an honor and

> as a professional courtesy have never charged for my services. Of

> course that individual fills out all the usual paper work

including

> my informed consent sheet, I take a history, perform a

consultation,

> and most assuredly give that family member my professional best

> documenting all in my chart notes which are forwarded usually

(with

> permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be

> interested to know what you colleagues think? What do you do? Am I

> archaic in my thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@...

> NOTE: The ACA does not accept requests/inquiries through the

> listserve. The listserve is for peer-to-peer collaboration only.

> If you have an insurance-related question/concern you wish to

bring

> to the attention of the ACA, please email insinfo@....

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

>

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

______________________________________________________

ACA-members mailing list

To post to the list:

ACA-members@...

NOTE: The ACA does not accept requests/inquiries through the listserve.

The

listserve is for peer-to-peer collaboration only. If you have an

insurance-related question/concern you wish to bring to the attention

of the

ACA, please email insinfo@....

To unsubscribe or change membership options:

http://ww3.chirolists.com/mailman/listinfo/aca-members

List options tutorial:

http://www.chirolists.com/index.cfm?nid=6

Email filters tutorial:

http://www.chirolists.com/index.cfm?nid=7

Visit the ACA online at:

http://www.acatoday.org

______________________________________________________

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

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Hello all,

This might be an opportunity for us to examine some of our beliefs and values. Bill Esteb said that money was one of the most sensitive subjects we ever have to discuss. Most professionals rarely have to defend their fees. Teachers at all levels are automatically granted raises when they earn a master’s degree whether or not they necessarily become better teachers.

A stark example of the wondering how much to charge might be an attorney charging $150 to write a letter for a client which is identical to a previous letter. Obviously the fee is for the attorneys expertise and not for cutting and pasting a letter. We as chiropractors have a long history of undervaluing the massive investment of time, work, and lost income to earn our degree.

Having said that, I certainly don’t charge colleagues or family. Usually, when I see a colleague we are trading adjustments anyway.

It might be valuable to reflect on the trend that most of us veterans have seen: namely, that the people we have given pro bono care to over the years do not seem to value our care and sadly do not reap the benefits ( and beyond pain relief) of chiropractic as much as people who “get the big idea” and pay for their care. Could we conclude that paying for care actually increases its value? It would seem so.

Another aspect of this pro bono phenomenon is that they rarely refer other patients or seem to be anxious to compensate for their care in the future when they find themselves in better times. Of course, taking two minutes to write a prescription is not nearly as much work as adjusting a 240 pound brother-in-law who drives a $20,000 truck and doesn’t even bring you a Starbucks coffee card! (Not talking about myself, of course but it could happen.)

There is a Google books publication which is worth a read called “Compensation” by Ralph Waldo Emerson.

http://books.google.com/books?id=u3Rbt6aez90C & printsec=frontcover & dq=emerson+compensation & hl=en & ei=rbpyTJyBHIqmsQPrz5niAw & sa=X & oi=book_result & ct=result & resnum=1 & ved=0CCoQ6AEwAA

E. Abrahamson, D.C.

Chiropractic physician

Lake Oswego Chiropractic Clinic

315 Second Street

Lake Oswego, OR 97034

503-635-6246

Website: http://www.lakeoswegochiro.com

From: Don <don@...>

Date: Mon, 23 Aug 2010 09:43:57 -0700

Vern Saboe <vsaboe@...>

Cc: <Oregondcs >

Subject: RE: RE: [aca-members] " Opinions - Treating a Colleagues Immidate faimly Members?

Well now you got me thinking (danger!)

I don’t charge fellow chiropractors or their family, but I do charge other health care providers including my dentist and our family doctor.  They charge me, (PLENTY!) for all of their procedures AND they don’t provide a discount for paying at the time of service like we do.  Some of them have insurance that covers chiropractic and fully expect us to bill for our services.

Do you really think we are morally obligated to offer gratis care to all health care providers?

Don , DC

Corvallis

From: [mailto: ] On Behalf Of vsaboe

Sent: Monday, August 23, 2010 9:03 AM

'Todd Rubley'; chiro@...

Cc: 'aca chiro list'; Oregondcs

Subject: RE: [aca-members] " Opinions - Treating a Colleagues Immidate faimly Members?

Thanks for the input Todd...Vern Saboe

Re: [aca-members] " Opinions - Treating a Colleagues Immidate faimly

Members?

Over the years, I have treated many DC family members (kids, parents,

etc) and have not charged them

I have charged, however, divorced spouses of DC's -

john gentile

Quoting Vern Saboe <vsaboe@... <mailto:vsaboe%40comcast.net> >:

> Dear Colleagues I would like your opinions,

>

> My father started our practice in 1956 and in all his years of

> practice he would never charge for his services when treating the

> immediate family member of a chiropractic colleague which he refered

> to as a " professional courtesy. " I have carried on that tradition

> for nearly 30 years and really do view treating the mother, father,

> or wife, husband or children of a colleague as almost an honor and

> as a professional courtesy have never charged for my services. Of

> course that individual fills out all the usual paper work including

> my informed consent sheet, I take a history, perform a consultation,

> and most assuredly give that family member my professional best

> documenting all in my chart notes which are forwarded usually (with

> permission) to my chiropractic colleague.

>

> Though I have no intention of changing this protocol I would be

> interested to know what you colleagues think? What do you do? Am I

> archaic in my thinking? Behind the supposed times? A knucklehead?

>

> Just curious here in Oregon,

>

> Cheers,

>

> Vern Saboe DC FACO

> ______________________________________________________

> ACA-members mailing list

> To post to the list:

> ACA-members@... <mailto:ACA-members%40chirolists.com>

> NOTE: The ACA does not accept requests/inquiries through the

> listserve. The listserve is for peer-to-peer collaboration only.

> If you have an insurance-related question/concern you wish to bring

> to the attention of the ACA, please email insinfo@... <mailto:insinfo%40acatoday.org> .

> To unsubscribe or change membership options:

> http://ww3.chirolists.com/mailman/listinfo/aca-members

> List options tutorial:

> http://www.chirolists.com/index.cfm?nid=6

> Email filters tutorial:

> http://www.chirolists.com/index.cfm?nid=7

>

>

> Visit the ACA online at:

> http://www.acatoday.org

> ______________________________________________________

>

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

______________________________________________________

ACA-members mailing list

To post to the list:

ACA-members@... <mailto:ACA-members%40chirolists.com>

NOTE: The ACA does not accept requests/inquiries through the listserve. The

listserve is for peer-to-peer collaboration only. If you have an

insurance-related question/concern you wish to bring to the attention of the

ACA, please email insinfo@... <mailto:insinfo%40acatoday.org> .

To unsubscribe or change membership options:

http://ww3.chirolists.com/mailman/listinfo/aca-members

List options tutorial:

http://www.chirolists.com/index.cfm?nid=6

Email filters tutorial:

http://www.chirolists.com/index.cfm?nid=7

Visit the ACA online at:

http://www.acatoday.org

______________________________________________________

No virus found in this incoming message.

Checked by AVG - www.avg.com

Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/10

18:35:00

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Thanks for the input buddy!

Vern Saboe

Re: RE: [aca-members] "Opinions - Treating a Colleagues Immidate faimly Members?

I too have provided services for DC's for years with no charge and will continue to do so.I do not do this for their families however. Interestingly several have asked to have a regular fee arrangement for different reasons. Where i will not do this is with the PI or comp patient when there are other possibly complicating medico-legal issues. Colwell, DCOn 8/23/2010 9:02 AM, vsaboe wrote:

Thanks for the input Todd...Vern Saboe-----Original Message-----From: Todd Rubley [mailto:Trubley@...] Sent: Monday, August 23, 2010 8:59 AMvsaboe; chiro@...Cc: 'aca chiro list'; Oregondcs Subject: RE: [aca-members] "Opinions - Treating a Colleagues Immidate faimlyMembers?Vern: Times have changed and I think our profession has too. All my childrenhave seen a chiropractor while at college (6) and the chiropractor hasalways required a co-pay and charged my insurance (which is fine with methat is why I have insurance and I encourage by kids to get great regularchiropractic care). I have never had a chiropractor treat my kids or familymembers for free. I guess that was a time in our profession that has passed.I have had my Alma Mater, Palmer College treat all my family for free. Keepup the great work. Todd -----Original Message-----From: aca-members-bounces@...[mailto:aca-members-bounces@...] On Behalf Of vsaboeSent: Monday, August 23, 2010 11:44 AMchiro@...Cc: 'aca chiro list'; Oregondcs Subject: Re: [aca-members] "Opinions - Treating a Colleagues Immidate faimlyMembers?Perfectly said ....Vern Saboe-----Original Message-----From: chiro@... [mailto:chiro@...] Sent: Monday, August 23, 2010 7:08 AMVern SaboeCc: aca chiro list; Oregondcs Subject: Re: [aca-members] "Opinions - Treating a Colleagues Immidate faimlyMembers?Over the years, I have treated many DC family members (kids, parents, etc) and have not charged themI have charged, however, divorced spouses of DC's -john gentileQuoting Vern Saboe <vsaboe@...>:> Dear Colleagues I would like your opinions,>> My father started our practice in 1956 and in all his years of > practice he would never charge for his services when treating the > immediate family member of a chiropractic colleague which he refered > to as a "professional courtesy." I have carried on that tradition > for nearly 30 years and really do view treating the mother, father, > or wife, husband or children of a colleague as almost an honor and > as a professional courtesy have never charged for my services. Of > course that individual fills out all the usual paper work including > my informed consent sheet, I take a history, perform a consultation, > and most assuredly give that family member my professional best > documenting all in my chart notes which are forwarded usually (with > permission) to my chiropractic colleague.>> Though I have no intention of changing this protocol I would be > interested to know what you colleagues think? What do you do? Am I > archaic in my thinking? Behind the supposed times? A knucklehead?>> Just curious here in Oregon,>> Cheers,>> Vern Saboe DC FACO> ______________________________________________________> ACA-members mailing list> To post to the list:> ACA-members@...> NOTE: The ACA does not accept requests/inquiries through the > listserve. The listserve is for peer-to-peer collaboration only. > If you have an insurance-related question/concern you wish to bring > to the attention of the ACA, please email insinfo@....> To unsubscribe or change membership options:> http://ww3.chirolists.com/mailman/listinfo/aca-members> List options tutorial:> http://www.chirolists.com/index.cfm?nid=6> Email filters tutorial:> http://www.chirolists.com/index.cfm?nid=7>>> Visit the ACA online at:> http://www.acatoday.org> ______________________________________________________>No virus found in this incoming message.Checked by AVG - www.avg.com Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/1018:35:00______________________________________________________ACA-members mailing listTo post to the list:ACA-members@...NOTE: The ACA does not accept requests/inquiries through the listserve. Thelistserve is for peer-to-peer collaboration only. If you have aninsurance-related question/concern you wish to bring to the attention of theACA, please email insinfo@....To unsubscribe or change membership options:http://ww3.chirolists.com/mailman/listinfo/aca-membersList options tutorial:http://www.chirolists.com/index.cfm?nid=6Email filters tutorial:http://www.chirolists.com/index.cfm?nid=7Visit the ACA online at:http://www.acatoday.org______________________________________________________No virus found in this incoming message.Checked by AVG - www.avg.com Version: 8.5.441 / Virus Database: 271.1.1/3088 - Release Date: 08/22/1018:35:00

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