It is very important to recognize the limits of these bills. It is tempting to jump to the conclusion that somehow a loophole can be found in these proposed amendments through which the chiropractic situation might be remedied. This is not going to happen. However, one provision of S. 794 offers our profession an interesting opportunity. The ICA will certainly work hard to take maximum advantage of this opportunity and work willingly with any chiropractic organization that shares our goal.
Business sees the self-insured exemption as a means to keep health benefits limited.
Of course, the insurance industry sees it as a way to avoid state regulation, and to provide reduced levels of coverage because they are able to ignore state mandated benefits. This is a coalition that is not going to be easily defeated. However, this is by no means a situation without hope. ICA is developing legislative proposals that will require a detailed filing of benefit plans with the Department of Labor and with state insurance commissioners, requiring declarations of accuracy, under penalty of perjury. Such declarations would be updated and renewed periodically.