The state by state licensing variance is solved. The ABC coding system tracks over 18 million references to state statutes, administrative regulations, case law and training standards by profession, code and state. The company's electronic claim filing system draws on these references to assure claims are valide as they are filed.

This does need to be a consumer driven market! Healthcare policy makers should be demanding that the insurance companies stop pulling the blindfold over the eyes of the entire country. It's time for the people to realize how badly insurance companies abuse their lack of oversight.