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1. This article is well written and is of value to healthcare providers building wellness programs. Titled “Pre payment plans: Good for you and your patients” Likewise, many state organizations are standing up for the right of their doctors to offer these plans. Writing in the Ohio State Chiropractic Association's newsletter, OSCA ethics chairperson Dr. Greg Goffe and OSCA general counsel Rob Sherman stated: "We feel comfortable advising our doctors that prepaid plans are acceptable if they offer patients a specific number of visits and then give a discount for prepayment." In short, the WCA not only concluded that such payment plans are legal but urged all regulatory boards to "consider such practices to be in compliance with the laws, rules, and regulations of the jurisdiction where the chiropractor practices." We deliberately put that provision in the paper because of recent reports increasing in frequency that some state chiropractic boards are going after doctors who offer pre paid services. Dr. Graham went on to say, "I suggest that if an individual wishes to contract with another individual with full knowledge of that contract, then there should be no interference from a usually self‑serving third party, period! If I recall, there is a document called the Constitution of the United States that guarantees that very thing." 2. New York Acupuncture The Office of General Counsel issued the following opinion on March 22, 2005 representing the position of the New York State Insurance Department. Question Presented: May a licensed acupuncturist offer a discounted package of treatments in New York? So long as any insurer is not deceived, such packages would not be contrary to the New York Insurance Law (McKinney 2000 and 2005 Supplement). Conclusion: RE: Acupuncture Packages Dr. David Singer, founder and CEO of David Singer Enterprises, wrote a detailed review of the issue for The Chiropractic Journal in which he noted that "The value of pre paid treatment plans can be enormous. They allow the doctor and patient to get the finances taken care of up front, effectively removing money as a barrier to the patient completing their full treatment program, thus getting the most benefits out of their care." (www.worldchiropracticalliance.org/tcj/1997/oct/oct1997singer.htm). by Dr. Terry A. Rondberg A link to the web site article is below and important excerpts from the article conclude the following: