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PCA Strategic Business Member Spotlight: North Payment Processing with Ryan Moss
In this PCA Strategic Business Member Spotlight, Mike Barba of the Pennsylvania Chiropractic Association interviews Ryan Moss, Senior Director of Enterprise Sales at North, a payment processing company vetted by PCA to help chiropractors understand and reduce credit card processing costs. North, in payment processing since 1992, specializes in medical merchants, owns its in-house processing platform, and emphasizes dedicated service, integrations with practice management software, and a user-friendly portal for statements, deposits, and transaction visibility. The discussion highlights how hidden “junk fees,” padded interchange, and unclear statements can drive effective rates to 4–5%, while understanding total fees divided by monthly volume helps identify overpaying; North aims for transparent pricing and offers options including traditional pricing and a dual pricing “Edge” program that can pass acceptance costs to patients. Members are encouraged to review agreements, watch for long-term contracts and cancellation fees, and contact Moss for statement-based comparisons; using PCA partners also supports PCA advocacy and education, with a portion of transactions benefiting the association.
00:00 Member Spotlight Intro
00:57 Meet Mike and North
02:09 What North Does
03:11 Why Switch Processors
04:33 Technology and Service
05:49 Hidden Fees Explained
07:18 Reading Your Statement
10:15 Payment Options for Clinics
11:19 Training and Support
12:47 Comparing Providers
15:23 Contracts to Avoid
17:18 How to Get Started
18:21 Partnering Supports PCA
18:54 Final Pitch and Wrap
21:15 Key Takeaways Outro
Contact North, Ryan Moss
Senior Director, Enterprise Sales
P: 818-825-7500
PCA Website: https://pennchiro.org/
PCA Email: [email protected]
Created and produced by Mike Barba for the Pennsylvania Chiropractic Association. AI-assisted tools were used in the production of this content. Final content was reviewed and approved by PCA.
PCA Study Review: Shoulder Pain, Rotator Cuff Tears, and the Problem with One Test Thinking
In this episode of PCA Study Review, a service of the Pennsylvania Chiropractic Association, we review research on shoulder exams, rotator cuff tears, and subacromial impingement.
Shoulder exams can get crowded quickly: Neer, Hawkins, Jobe, Drop Arm, Lift Off, Painful Arc, and lag signs. Most doctors know the names. The deeper issue is whether we understand what each test actually tells us.
The literature reinforces one clear point: no single shoulder test is perfect. This review focuses on lag signs, particularly the External Rotation Lag Sign at 90 Degrees and the Internal Rotation Lag Sign, to identify full-thickness rotator cuff tears.
The larger lesson is not that doctors need one magic test. Better clinical reasoning requires test clusters, context, documentation, and knowing when referral, imaging, or co-management may be appropriate.
For chiropractors, this matters because musculoskeletal care depends on skilled examination early in the care pathway. The opportunity is to evaluate carefully, recognize red flags, document clearly, and treat conservatively when appropriate.
In This Episode
Reference Articles
Zhao, Q., Palani, P., Kassab, N. S., Terzic, M., Olejnik, M., Wang, S., Tomassini-Lopez, Y., Dean, C., & Shellenberger, R. A. Evidence-based approach to the shoulder examination for subacromial bursitis and rotator cuff tears: a systematic review and meta-analysis. BMC Musculoskeletal Disorders, 25, Article 1028, 2024.
Hermans, J., Luime, J. J., Meuffels, D. E., Reijman, M., Simel, D. L., & Bierma-Zeinstra, S. M. A. Does This Patient With Shoulder Pain Have Rotator Cuff Disease? The Rational Clinical Examination Systematic Review. JAMA, 310(8), 837–847, 2013.
Castoldi, F., Blonna, D., & Hertel, R. External rotation lag sign revisited: Accuracy for diagnosis of full-thickness supraspinatus tear—Journal of Shoulder and Elbow Surgery, 18(4), 529–534, 2009.
Miller, C. A., Forrester, G. A., & Lewis, J. S. The Validity of the Lag Signs in Diagnosing Full-Thickness Tears of the Rotator Cuff: A Preliminary Investigation. Archives of Physical Medicine and Rehabilitation, 89(6), 1162–1168, 2008.
The shoulder is complex. Rotator cuff disease is common. Pain provocation tests can mislead when used carelessly.
The opportunity is to read the research, revisit the exam, and sharpen the clinical reasoning that protects patients and strengthens the profession.
PCA Website: https://pennchiro.org/ PCA Email: [email protected]
PCA Deep Dive: Pennsylvania’s Chiropractic Scope Fight; Modern Care vs. Outdated Laws
In this episode of PCA Deep Dive, we examine one of the most important questions facing chiropractic in Pennsylvania:
What happens when modern chiropractic education, modern patient needs, and conservative care collide with an outdated scope-of-practice law built for another era?
Pennsylvania’s chiropractic scope of practice is nearly 50 years old. While the profession, patient expectations, education standards, and healthcare delivery models have changed dramatically, Pennsylvania law has not kept pace.
This episode explores the real-world impact of that mismatch, including restricted practice authority, rural access challenges, workforce pressure, delegation barriers, insurance friction, and the hidden cost of limiting conservative, non-pharmacological care.
We also discuss research from West Virginia University showing that Pennsylvania ranks among the most restrictive states in the country for chiropractic scope of practice. The result is a paradox: highly trained doctors operating under low autonomy.
But this is bigger than one bill.
This is the scope fight.
It is about whether Pennsylvania’s chiropractic law will finally reflect modern education, modern patient needs, and modern conservative care.
In This Episode
Get Involved
Policy does not change from the sidelines.
PCA’s Lobby Day is June 9 in Harrisburg, and we need chiropractors from across Pennsylvania to show up, meet with elected officials, and help tell the story of this profession.
We know it is a practice day. But this is one of the most important opportunities we have to show the strength, seriousness, and unity of chiropractic in Pennsylvania.
If you cannot attend, please consider supporting the PCA PAC. One hundred percent of PCA PAC donations go directly toward supporting chiropractic advocacy and the future of the profession in Pennsylvania.
WVU study on Pennsylvania’s outdated scope of practice:
Register for PCA Lobby Day on June 9:
Support the PCA PAC:
Learn more about HB 1106 and delegation restoration:
PCA: https://pennchiro.org/
Email the PCA: [email protected]
PCA Study Spotlight: The Hidden Circuit of Chronic Pain
Stanford’s Hidden Chronic Pain Circuit: A Better Framework for Explaining Persistent Mechanical Pain
This episode of PCA Study Spotlight reviews a Stanford Nature study describing a “hidden” looping circuit between the spinal cord and brain that appears to selectively drive chronic mechanical pain in mice while remaining distinct from pathways involved in acute, protective pain and normal touch. In mouse models, silencing nodes in the loop reduced injury-induced mechanical hypersensitivity due to inflammation or nerve injury, whereas repeated activation could create lasting hypersensitivity in healthy mice. The host emphasizes this is basic science, not a chiropractic or manipulation study, but argues it offers chiropractors a clearer framework for communicating chronic pain: persistent pain may reflect altered nervous system processing and sensitization rather than ongoing tissue damage, supporting more accurate, respectful patient conversations and reinforcing the value of conservative care without overclaiming mechanisms.
00:00 Series Purpose
00:25 Study Overview
01:09 Important Caveats
01:40 Why Pain Persists
02:22 Mapping The Loop
03:52 Clinical Communication
04:45 Fear And Function
05:34 Beyond Structural Stories
06:00 Touch Versus Pain
06:55 Layered Pain Biology
07:31 Practical Takeaways
08:16 Read And Reflect
08:47 Closing Thoughts
Study Citation Wang, Q., Lee, J. H., Nachtrab, G., Yuan, Y., Yuan, L., Qi, W., Mohr, M. A., Xiong, J., Horowitz, M. A., & Chen, X. (2026). Deconstruction of a spino-brain–spinal cord circuit that drives chronic pain. Nature. Published online April 1, 2026. DOI: 10.1038/s41586-026-10296-y. Official article:
Suggested Show Notes Format Study discussed in this episode: Wang, Q., Lee, J. H., Nachtrab, G., Yuan, Y., Yuan, L., Qi, W., Mohr, M. A., Xiong, J., Horowitz, M. A., & Chen, X. (2026). Deconstruction of a spino-brain–spinal cord circuit that drives chronic pain. Nature. Published online April 1, 2026. DOI: 10.1038/s41586-026-10296-y. Read the study here:
Optional Short Version Wang Q, Lee JH, Nachtrab G, et al. Deconstruction of a spino-brain–spinal cord circuit that drives chronic pain. Nature. Published online April 1, 2026. DOI: 10.1038/s41586-026-10296-y.
PCA Contact information:
PCA Website: https://pennchiro.org/
PCA Email: [email protected]
PCA Study Spotlight, Chiropractic Research, Chronic Pain, Pain Science, Central Sensitization, Neuroscience, Musculoskeletal Care, Conservative Care, Patient Communication, Spine Care
PCA March President’s Address with Dr. Andrew Heck | Legislative Progress, Advocacy & Northeast Chiro Summit
In this special Spinal Chat episode from the Pennsylvania Chiropractic Association, PCA President Dr. Andrew Heck shares the March President’s Address with updates on spring momentum and ongoing legislative, regulatory, and reimbursement challenges. He reports progress on delegation restoration through House Bill 1106, scope modernization, copay reform, and the sports working group’s efforts on return-to-play physicals and sideline care, as well as continued Capitol meetings led by PCA leadership and staff. Dr. Heck thanks nearly 70 members and non-members for supporting the postcard campaign and emphasizes that engagement from doctors, staff, patients, and communities strengthens chiropractic’s voice. He also previews the Northeast Chiro Summit (May 1–3) at the Kalahari Resort, noting record attendance and encouraging participation, membership, PAC support, and advocacy involvement.
00:00 Welcome and Setup
00:39 Springtime Reflection
01:13 Legislative Progress
01:56 Member Advocacy Push
02:27 Northeast Summit Preview
03:08 Conference Details
03:25 Closing Thanks
03:33 Get Involved Call
04:11 Final Sendoff
PCA Contact information:
PCA Website: https://pennchiro.org/
PCA Email: [email protected]
Spinal Chat, Pennsylvania Chiropractic Association, Dr. Andrew Heck, President’s Address, Chiropractic Advocacy, HB1106, Scope Modernization, Copay Reform, Sports Chiropractic, PCA PAC, Northeast Chiro Summit, Pennsylvania Chiropractors
PCA Deep Dive: Covered but Not Accessible. The Chiropractic Copay Crisis in Pennsylvania
This episode argues that rising deductibles, copays, visit caps, and administrative barriers are pricing patients out of conservative musculoskeletal care, reshaping treatment choices, and increasing downstream costs. Citing the RAND Health Insurance Experiment, it notes chiropractic use drops about 50% with 25%+ cost sharing and that chiropractic demand is more price-sensitive than general medical care. Studies on high-deductible health plans show patients reduce spending largely by skipping care, disproportionately harming lower-wage workers. In contrast,e a Johns Hopkins study links higher out-of-pocket costs to reduced non-pharmacologic care without reducing opioid use. Evidence shows that removing copays reduces downstream physician services, surgeries, and injections, and that chiropractic coverage correlates with lower total spending. The script highlights Pennsylvania billing data, federal Medicare parity bills (HR 539/S 106), DOJ comments on ERISA misuse, Massachusetts’ prior-authorization ban for non-opioid pain care, and Pennsylvania’s proposed 20% cost-sharing cap and Medicare fee payment floor, concluding with a call to action.
00:00 Why Care Costs More
00:51 The Bill Fear Factor
01:59 Rand Experiment Lessons
04:35 Smart Shopper Myth
06:25 Deductibles And Visit Caps
08:31 Maintenance Care Gap
10:06 When Patients Switch To Pills
11:05 Proof Reform Saves Money
14:02 Pennsylvania Billing Shock
14:59 Medicare Parity Fight
16:48 State Reforms In Motion
17:44 Pennsylvania Copay Blueprint
19:35 What You Can Do Now
20:35 Final Call To Action
References
Baicker, K., & Chandra, A. (2015). JAMA Internal Medicine.
Johns Hopkins University study evaluating the impact of high deductible health plan enrollment on nonpharmacologic treatments. (2023).
Legorreta, A. P., et al. (2004). JAMA Internal Medicine. Also referenced as: Comparative Analysis of Individuals With and Without Chiropractic Coverage.
Lentz, T. A., et al.; ATI Physical Therapy and Duke Clinical Research Institute. (October 2025). Physical Therapy & Rehabilitation Journal.
RAND Health Insurance Experiment. (1974–1982). Findings later analyzed in: Shekelle, P. G., Rogers, W. H., & Newhouse, J. P. (1996). Medical Care.
Smith, M., & Stano, M. (1997). Journal of Manipulative and Physiological Therapeutics.
Swedish randomized controlled trial on maintenance care. (2018).
Texas A&M study evaluating employee behavior in high deductible health plans.
University of California, Berkeley, and Harvard study on high deductible health plans.
USC Schaeffer Center study on the financial burden of high deductible health plans. (2023).
Whedon, J. M., et al. (2024). Journal of Integrative and Complementary Medicine.
JAMA Network Open clinical trial analyzing the addition of chiropractic care to standard military medical care.
Government, Legislative, and Policy Documents
American Chiropractic Association. Chiropractic Medicare Coverage Modernization Act Talking Points. (2025).
Chiropractic Future. Comments submitted to the Department of Justice Anticompetitive Regulations Task Force. (June 2025).
Massachusetts Session Law, Chapter 285. (2024).
Medicare. 2025 Physician Fee Schedule.
PCA Website: https://pennchiro.org/
PCA Email: [email protected]
PCA Deep Dive: Beyond the Adjustment, Why Functional Nutrition Matters in Modern Conservative Care
This episode of PCA Deep Dive introduces the Functional Nutrition Working Group 100-Hour Certification in Functional Nutrition, developed by the Pennsylvania Chiropractic Association in academic partnership with the University of Bridgeport.
The conversation makes the case that today’s patients are more inflamed, more metabolically compromised, and more clinically complex, making chronic disease and dietary inflammation central to musculoskeletal recovery and recurrence. Using Pennsylvania obesity data and the concept of cytokine-driven “chemical casts,” the episode explains why a technically sound adjustment may not hold when biology is working against healing.
The episode also highlights a profession-wide gap in nutrition counseling. Nearly 90% of chiropractors already provide some form of nutrition guidance, yet 65% of respondents in a New York survey said they did not feel adequately prepared for in-depth nutritional counseling. This program is presented as structured, academically grounded education, not as scope expansion or a supplement sales model.
Topics include systems biology, functional blood chemistry trends, gut-immune pathways, cardiometabolic risk, herb-drug interactions, referral awareness, and the program’s two-part design, Phase I foundations and Phase II clinical integration.
Episode Timeline
00:00 Welcome and Mission
00:20 Modern Patient Complexity
01:23 Why Mechanics Fail
02:09 Metabolic Dysfunction Explained
04:10 Four Pillars Framework
04:25 Inflammation Locks Joints
06:30 Training Gap in Nutrition
08:35 Not Scope Expansion
11:23 Program Structure and Rigor
12:26 Deep Curriculum Highlights
14:36 Future of Conservative Care
16:25 How to Get Involved
Functional Nutrition Working Group 100 Hour Certification in Functional Nutrition: https://fnwg-functional-nutritio-drmknx5.gamma.site/
PCA Website: https://pennchiro.org/
PCA Email: [email protected]
PCA Deep Dive: Dentists of the Spine; Why Chiropractic Should Be the First Stop
Why does modern healthcare still send so many patients with uncomplicated back and neck pain into the wrong doorway?
In this episode, we examine what happens when patients enter the fragmented “spine supermarket” of urgent care, primary care, pain management, imaging, medication, and premature surgical referral, despite guidelines that support reassurance, activity, conservative care, and avoiding early imaging in most uncomplicated cases.
We explore how this failure is not just inefficient, but harmful. When the wrong doorway becomes the default, patients may be exposed to unnecessary imaging, fear-based decision-making, escalating interventions, and long-term disability. From there, we unpack the Primary Spine Practitioner model and make the case for chiropractic physicians as the evidence-based, conservative front door to spine care.
This episode also examines how that role manifests in real-world systems, including Washington State guidance on traumatic brain injury referral following motor vehicle collisions and the growth of chiropractic services within the Veterans Health Administration.
We close by examining a new challenge, consumer AI tools that often reproduce legacy “see your MD first” referral patterns, even when the evidence points elsewhere.
This is a conversation about triage, authority, policy, and the future of conservative musculoskeletal care.
What We Cover
Why Spine Care Fails 02:32
The Spine Supermarket 04:44
Primary Care Bottleneck 07:09
MRI Fear Cascade 09:56
Iatrogenic Chronic Pain 10:53
Primary Spine Practitioner 12:11
Chiropractic Authority 14:27
Dentist of the Spine 17:28
Washington TBI Case 21:56
VHA Integration Proof 24:07
AI Repeats Old Bias 27:21
Fixing Digital Gatekeepers 29:21
Wrap Up and Call to Action
PCA: https://pennchiro.org/
Email the PCA: [email protected]
PCA Deep Dive: Cleared for the Pros, Benched for High School
Regulatory Clarity in School Athletics: Return-to-Play, Sideline Care, and Statutory Authority in Pennsylvania
In this episode of PCA Deep Dive, we examine a policy disconnect affecting student athletes across Pennsylvania.
Doctors of chiropractic with advanced sports credentials serve on professional and Olympic medical staffs nationwide. Yet under current Pennsylvania interscholastic athletic policies, those same licensed providers may face restrictions when working with high school athletes.
Why?
This episode explores:
This discussion is not about expanding the scope.
It is about regulatory alignment.
When 60% of Pennsylvania counties are designated as healthcare shortage areas, restricting the availability of trained providers raises serious questions about efficiency, access, and modernization.
If licensed professionals are already authorized under statute to diagnose and manage musculoskeletal injuries, should athletic policies reflect that authority?
We examine the legal framework, the training standards, and the policy implications for families, schools, and communities.
00:00 Why This Matters
01:19 Friday Night Football Setup
02:18 The Pro vs High School Paradox
03:06 Scope Confirmation Not Expansion
04:23 Three Pillars of Access
04:36 Sports Physicals and PPEs
05:41 Return to Play Authority
06:17 Sideline Care and Credentials
07:48 Rural Shortage Crisis
09:12 The Referral Loop Problem
11:18 Other States and Legal Logic
13:34 Counterarguments and Safety
15:40 What PCA Is Asking For
17:12 Final Take and Call to Action
PCA Sports Working Group: https://pca-sports-working-group-vmf8wp8.gamma.site/
PCA: https://pennchiro.org/
Email the PCA: [email protected]
PCA Deep Dive: From Quackery to Copays; The Structural Battle Over Access
Here’s a tight, high authority summary you can use:
In 1963, the American Medical Association formed the Committee on Quackery with a documented mission to contain and eliminate the chiropractic profession. That campaign ultimately led to Wilk v. AMA, a landmark antitrust case that ended the formal boycott in 1987.
But removing a ban did not guarantee inclusion.
In this episode, we examine how explicit barriers evolved into economic architecture. From accreditation pressure and referral isolation to copay design, network narrowing, vertical integration, and outdated Medicare statutes, the mechanisms changed. The incentives did not.
Major clinical guidelines now recommend non-drug, non-surgical care as first-line treatment for most spine pain. Yet payment structures frequently steer patients elsewhere.
This episode explores how access is engineered and why professional participation remains essential in shaping the future of conservative care.
00:00 The AMA’s “Committee on Quackery” — Containment & Elimination (Cold Open)
02:15 From Bans to Spreadsheets: How Access Gets Engineered
03:12 Setting the Stage: Chiropractic’s Rise in the Late ’50s
04:05 The Iowa Plan: Robert Throckmorton’s Blueprint to Target a Profession
05:34 Weaponizing Accreditation: JCAH Rules, “Cultist” Labels, and Ethical Isolation
08:08 Real-World Fallout: X-Rays Denied, Practices Closed, Careers Threatened
11:34 The Leak: “Sore Throat,” Scientology Infiltration, and the Smoking-Gun Documents
13:38 Wilk v. AMA Begins: The Antitrust Battle That Drags On for a Decade
13:48 Court Victory: The AMA Boycott Is Ruled Illegal
14:23 Phase Two: Ending the War Didn’t Mean Inclusion
14:53 The VA as a Real-World Control Group for Integration
15:38 What the Data Shows: Explosive Growth & Opioid Alternatives
17:05 The Modern Pivot: From Explicit Bans to the ‘Architecture of Access’
17:47 Consolidation & Vertical Integration Explained (Follow the Money)
18:43 Downstream Revenue: Why Conservative Care Can Lose the System Money
20:36 Benefit Design ‘Nudges’: Copays, Velvet Ropes, and Channeled Choice
21:57 Network Narrowing: Market Power Pushes Independents Out-of-Network
23:37 Medicare’s ‘Zombie Law’: Paying for the Adjustment but Not the Exam
25:51 Zooming Out: Evidence Says Conservative First, Payments Say Otherwise
27:33 What Patients Can Do: Question the Incentives Behind Your Care Path
28:54 Final Wrap + Call to Action: Advocacy, Policy, and Staying Engaged
PCA: https://pennchiro.org/
Email the PCA: [email protected]
Copyright Notice
PCA Deep Dive and Spinal Chat are proprietary productions of the Pennsylvania Chiropractic Association.
All episodes, audio recordings, transcripts, graphics, and related materials are protected by applicable copyright laws.
No portion of these podcasts may be reproduced, distributed, transmitted, modified, published, or otherwise used in any form without prior written permission from the Pennsylvania Chiropractic Association.
Limited quotation for educational or journalistic purposes is permitted with proper attribution.
State chiropractic associations are encouraged to share episodes and approved materials directly with their members. Together, organized professions are stronger.
For licensing requests, partnership inquiries, or permission to republish content, please get in touch with the Pennsylvania Chiropractic Association directly.
From the publisher's feed
The Spinal Chat – A Service of the Pennsylvania Chiropractic Association
Welcome to The Spinal Chat, the official podcast of the Pennsylvania Chiropractic…
Each episode brings you insights from industry luminaries, conversations with PCA’s Strategic Business Partners, and practical guidance to help chiropractors strengthen their practice, elevate patient care, and thrive in today’s evolving healthcare landscape.
From study breakdowns and legislative updates to member spotlights and stories that celebrate the power of chiropractic, The Spinal Chat is your trusted source for connection, knowledge, and advocacy in the Commonwealth and beyond.
Tune in, stay informed, and be part of the movement advancing chiropractic in Pennsylvania.
Contact the PCA Email: [email protected]
PCA: https://pennchiro.org/