Upon receipt of med-pay bills, USAA reportedly sends copies to Concentra, its review company
	Concentra automatically recommends that no payment be made based upon the need for “more documentation.”
	When all the records are sent, even repeatedly, Concentra continues to send the same denial EOB form letter as before.
	This ploy continues for months. After threats of legal action, some payment is made but there are typically still unreasonable reductions and unexplained omissions of reimbursement for certain dates of service.

USAA may have made a significant management decision to see if they can simply stonewall valid chiropractic claims and see where the chips will fall.

California State Automobile Assn. [CSAA] employed this tactic over a decade ago. Without warning thousands of DC’s realized they were not receiving med pay reimbursement. The actions we took were the following:

	Took a survey to confirm the extent of the problem;
	Kept good records of attempts to get paid, via letter and tele logs;
	Enlisted the patient to call and write their own insurance company;
	Sent formal complaints to the Dept of Insurance;
	The San Francisco DA filed a criminal case against CSAA for consumer fraud;
	CCA Districts paid for full page ads criticizing CSAA tactics
	CCA leaders help recruit candidates to run for the Board of Directors of CSAA for 3 years in a row.

Larry Nordhoff, DC, director Automotive Research Institute;

Robert Rose MD Traumatic Head Injuries 

Nancy Molina, DC, MS, Forensics

Dieter Zacher, former defense trial lawyer