• As was stated this morning on the program of the Underground USA podcast, if people of New York are stupid enough to convict Daniel Penny on ANY of the charges (since the main charge has been rescinded), they can expect no one -- ever -- to come to their aid in a similar situation because none of those spineless weasels will be willing to put their own asses on the line to help their fellow man...

    New Yorkers, get your shit together! For the love of Baby Jesus!!!!

    https://substack.com/profile/129788551-frank-salvato/note/c-80418773
    As was stated this morning on the program of the Underground USA podcast, if people of New York are stupid enough to convict Daniel Penny on ANY of the charges (since the main charge has been rescinded), they can expect no one -- ever -- to come to their aid in a similar situation because none of those spineless weasels will be willing to put their own asses on the line to help their fellow man... New Yorkers, get your shit together! For the love of Baby Jesus!!!! https://substack.com/profile/129788551-frank-salvato/note/c-80418773
    SUBSTACK.COM
    Frank Salvato on Substack
    As was stated this morning on the program of the Underground USA podcast, if people of New York are stupid enough to convict Daniel Penny on ANY of the charges (since the main charge has been rescinded) they can expect no one -- ever -- to come to their aid in a similar situation because none of those spineless weasels will be willing to put their own asses on the line to help their fellow man... New Yorkers, get you shit together! For the love of Baby Jesus!!!! https://nypost.com/2024/12/06/us-news/daniel-penny-trial-judge-agrees-to-drop-top-manslaughter-count-after-jury-deadlocks-twice/
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  • MMOexp:College Football 25 A Mixed Review
    With the release of College Football 25, excitement was high among fans, some even going so far as to invest in new consoles just to get their hands on the game. As a long-time football video game enthusiast, I have experienced both highs and lows with this latest installment. While College Football 25 excels in on-field action and presentation, several off-field issues diminish the overall experience. Here’s a detailed look at what works, what doesn’t, and what might be improved.
    On-Field Excellence
    College Football 25 stands out with its impressive graphics and gameplay. EA Orlando has clearly put significant effort into making the on-field action as realistic and engaging as possible. The visuals are striking—players’ sweat, exceptional lighting, and detailed animations all contribute to a more immersive experience. Unique team intros, mascot celebrations, and cheerleader performances add to the game's personality, capturing the essence of college football's pageantry and tradition.
    Gameplay has also seen notable improvements. The game runs faster and smoother than its predecessors, with quicker plays and more nimble player movements. The revamped passing system offers a learning curve but rewards precision with a better mix of throw arc and accuracy. For those preferring the familiar Madden controls, they are still available. Throw power now impacts ball speed and force, while pump fakes have been enhanced for more realistic play.
    The addition of new features, such as 12 hot route options for receivers and improved custom stem options, further enriches gameplay. A small but significant quality of life change allows the game to automatically run down the clock when taking a knee in a mathematically over game.
    Underwhelming Modes and UI Issues
    Despite the strong on-field performance, College Football 25 falters significantly with its modes and user interface. The game offers several modes, including Play Now, Road to the College Football Playoffs, Road to Glory, Dynasty, and College Ultimate Team. However, many of these modes feel underdeveloped and lack depth.
    The UI, in particular, is a major disappointment. Key information about player wear and tear and stamina is poorly displayed, often making it hard to discern what’s happening on the field. The automated hat count from Madden is missing, and stamina indicators are represented by small, unclear icons. The UI issues extend to the in-game commentary and bugs, such as persistent hot spots in drills and inaccurate commentary, which detract from the overall experience.
    Road to Glory, while offering some fun with mini-games and player progression, becomes repetitive quickly. The lack of meaningful in-game cutscenes and limited play call options can make playing as a quarterback feel restrictive and frustrating.
    Dynasty mode, a highlight for many, also falls short. It offers a decent foundation for managing a team and recruiting players but becomes tedious due to its repetitive nature. The absence of direct player management or training makes the mode feel more like a series of menu tasks rather than an engaging coaching experience.
    Ultimate Team and Tutorials
    College Football 25’s focus on Ultimate Team, with its emphasis on microtransactions and slot machine mechanics, is a major point of contention. The replacement of the skills trainer with Ultimate Team challenges, which are more about monetization than education, is a step backward. The lack of useful tutorials and fundamental mechanics guidance means new players will likely have to seek outside resources to understand the game’s deeper systems.
    Conclusion
    College Football 25 offers a solid foundation with its engaging on-field action and impressive visuals. However, the game’s shortcomings in UI design, mode depth, and tutorial support prevent it from reaching its full potential. If you’re a fan of college football looking for a visually stunning and dynamically engaging game, you’ll find a lot to enjoy. However, if you’re expecting a well-rounded experience with robust modes and user-friendly design, you might be disappointed.
    As the game matures and future updates are released, there’s hope that some of these issues will be addressed. For now, College Football 25 stands as a game with great potential but also significant room for improvement.
    For more sports game reviews, check out our coverage of Top Spin 2K2 and F1 Manager 2024. For everything else in gaming, keep it here at IGN.
    MMOexp.com provide the safest and cheapest College Football 25 Coins service.
    MMOexp:College Football 25 A Mixed Review With the release of College Football 25, excitement was high among fans, some even going so far as to invest in new consoles just to get their hands on the game. As a long-time football video game enthusiast, I have experienced both highs and lows with this latest installment. While College Football 25 excels in on-field action and presentation, several off-field issues diminish the overall experience. Here’s a detailed look at what works, what doesn’t, and what might be improved. On-Field Excellence College Football 25 stands out with its impressive graphics and gameplay. EA Orlando has clearly put significant effort into making the on-field action as realistic and engaging as possible. The visuals are striking—players’ sweat, exceptional lighting, and detailed animations all contribute to a more immersive experience. Unique team intros, mascot celebrations, and cheerleader performances add to the game's personality, capturing the essence of college football's pageantry and tradition. Gameplay has also seen notable improvements. The game runs faster and smoother than its predecessors, with quicker plays and more nimble player movements. The revamped passing system offers a learning curve but rewards precision with a better mix of throw arc and accuracy. For those preferring the familiar Madden controls, they are still available. Throw power now impacts ball speed and force, while pump fakes have been enhanced for more realistic play. The addition of new features, such as 12 hot route options for receivers and improved custom stem options, further enriches gameplay. A small but significant quality of life change allows the game to automatically run down the clock when taking a knee in a mathematically over game. Underwhelming Modes and UI Issues Despite the strong on-field performance, College Football 25 falters significantly with its modes and user interface. The game offers several modes, including Play Now, Road to the College Football Playoffs, Road to Glory, Dynasty, and College Ultimate Team. However, many of these modes feel underdeveloped and lack depth. The UI, in particular, is a major disappointment. Key information about player wear and tear and stamina is poorly displayed, often making it hard to discern what’s happening on the field. The automated hat count from Madden is missing, and stamina indicators are represented by small, unclear icons. The UI issues extend to the in-game commentary and bugs, such as persistent hot spots in drills and inaccurate commentary, which detract from the overall experience. Road to Glory, while offering some fun with mini-games and player progression, becomes repetitive quickly. The lack of meaningful in-game cutscenes and limited play call options can make playing as a quarterback feel restrictive and frustrating. Dynasty mode, a highlight for many, also falls short. It offers a decent foundation for managing a team and recruiting players but becomes tedious due to its repetitive nature. The absence of direct player management or training makes the mode feel more like a series of menu tasks rather than an engaging coaching experience. Ultimate Team and Tutorials College Football 25’s focus on Ultimate Team, with its emphasis on microtransactions and slot machine mechanics, is a major point of contention. The replacement of the skills trainer with Ultimate Team challenges, which are more about monetization than education, is a step backward. The lack of useful tutorials and fundamental mechanics guidance means new players will likely have to seek outside resources to understand the game’s deeper systems. Conclusion College Football 25 offers a solid foundation with its engaging on-field action and impressive visuals. However, the game’s shortcomings in UI design, mode depth, and tutorial support prevent it from reaching its full potential. If you’re a fan of college football looking for a visually stunning and dynamically engaging game, you’ll find a lot to enjoy. However, if you’re expecting a well-rounded experience with robust modes and user-friendly design, you might be disappointed. As the game matures and future updates are released, there’s hope that some of these issues will be addressed. For now, College Football 25 stands as a game with great potential but also significant room for improvement. For more sports game reviews, check out our coverage of Top Spin 2K2 and F1 Manager 2024. For everything else in gaming, keep it here at IGN. MMOexp.com provide the safest and cheapest College Football 25 Coins service.
    0 Comments 0 Shares 554 Views

  • In the blink of an eye, the procedure changed into the following: mine ores make smelt of ore to forge bronze daggers chicken execution, then sell the rest to the greedy clerk at the shop, and use the cash to buy tools. And on and so forth it goes on. As of now I've consumed all the energy drinks available I have available. I've never had to fight this intensely in my entire life to get rid of chickens. I took another bottle of red bull, knowing it could be quite a, hard night.

    As a kid I didn't experience that tight loop Jagex has created with their world. Everything worked. I did not realize that the shopkeeper took away of your hard-earned chicken breasts, because before were I an ordinary account I would have traded them to another user at a price ten times greater than. Being an ironman, you must master the mechanics of each skill to build.

    I had my second revelation after I became bored of the chickens and set out to develop my archery ability: "Ranged." I focused on the job to be completed, using the money I received from my shopkeeper, I purchased a bronze hatchet at the Lumbridge Axe store. I then cut down a nearby tree. wood is checked. After that, I returned at the store's general department. I believe that the storekeeper was expecting me. The shopkeeper's robe smelled of chicken from his lunch, and he smiled his evil, corrupted grin. Unwillingly, I spent the rest portion of my coins to purchase an instrument: required to flytch to my bow. Fletching and checking.

    There was the bow's husk that began to form the next item to my wish list were flax from the nearby fields, and the spinning wheel so that I could construct the bowstring. Within a short time I had my own bow, and I sat on my couch for an while with a smile in my eyes. I was starting to realize the game's concept all about. There is a lot of satisfaction when you earn your living from this game. If I had played an account that was normal, the procedure could have been streamlined to purchasing the bow from the Grand Exchange and carrying on my way.

    I did not realize until later that the making of a bow required use of a variety of abilities: woodcutting to make an ax, farming to harvest the flax, then fletching to make the bow, and connect the bowstring. Then came the next goal of my archery instruction and ammunition. Then my practice changed into mines for minerals, making smiths for the making of arrowheads and then fletching to make the design of archers. Even my blood feud with the chickens paid off when they produced feathers to make my archers.

    Within the first couple of hours, my perspective of the game shifted into more expansive. The game's mechanics in the Ironman mode appear to be targeted towards experienced players who have a long time ago finished their end-game content and are looking for new challenges. This is not to say that the game aren't played and loved by everyone both old and new. I must take my bow to Jagex for this The mechanic operates in ways I didn't comprehend until I experienced it.

    As a senile old man who is enjoying watching the scenery, I could not avoid noticing the accomplishments of the company. The ability to create your own way across Gielinor is a far enjoyable experience when you realize that the only way to achieve it is due to your own determination and perseverance. It's a refreshing change from an old game that's been in existence for a long time. The mechanic has also made me think on other MMO's. Is an ironman-inspired system applied to other games of the genre?

    The answer is complex. The mechanic is able to work across a variety of games so long as they meet the right elements in their game to support the player base, for instance, the game could require a variety of skills that players to put their time into and crafting systems. I think this method is particularly effective for Runescape due to its tightly knit game world as well as its loopable mechanism.
    Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    In the blink of an eye, the procedure changed into the following: mine ores make smelt of ore to forge bronze daggers chicken execution, then sell the rest to the greedy clerk at the shop, and use the cash to buy tools. And on and so forth it goes on. As of now I've consumed all the energy drinks available I have available. I've never had to fight this intensely in my entire life to get rid of chickens. I took another bottle of red bull, knowing it could be quite a, hard night. As a kid I didn't experience that tight loop Jagex has created with their world. Everything worked. I did not realize that the shopkeeper took away of your hard-earned chicken breasts, because before were I an ordinary account I would have traded them to another user at a price ten times greater than. Being an ironman, you must master the mechanics of each skill to build. I had my second revelation after I became bored of the chickens and set out to develop my archery ability: "Ranged." I focused on the job to be completed, using the money I received from my shopkeeper, I purchased a bronze hatchet at the Lumbridge Axe store. I then cut down a nearby tree. wood is checked. After that, I returned at the store's general department. I believe that the storekeeper was expecting me. The shopkeeper's robe smelled of chicken from his lunch, and he smiled his evil, corrupted grin. Unwillingly, I spent the rest portion of my coins to purchase an instrument: required to flytch to my bow. Fletching and checking. There was the bow's husk that began to form the next item to my wish list were flax from the nearby fields, and the spinning wheel so that I could construct the bowstring. Within a short time I had my own bow, and I sat on my couch for an while with a smile in my eyes. I was starting to realize the game's concept all about. There is a lot of satisfaction when you earn your living from this game. If I had played an account that was normal, the procedure could have been streamlined to purchasing the bow from the Grand Exchange and carrying on my way. I did not realize until later that the making of a bow required use of a variety of abilities: woodcutting to make an ax, farming to harvest the flax, then fletching to make the bow, and connect the bowstring. Then came the next goal of my archery instruction and ammunition. Then my practice changed into mines for minerals, making smiths for the making of arrowheads and then fletching to make the design of archers. Even my blood feud with the chickens paid off when they produced feathers to make my archers. Within the first couple of hours, my perspective of the game shifted into more expansive. The game's mechanics in the Ironman mode appear to be targeted towards experienced players who have a long time ago finished their end-game content and are looking for new challenges. This is not to say that the game aren't played and loved by everyone both old and new. I must take my bow to Jagex for this The mechanic operates in ways I didn't comprehend until I experienced it. As a senile old man who is enjoying watching the scenery, I could not avoid noticing the accomplishments of the company. The ability to create your own way across Gielinor is a far enjoyable experience when you realize that the only way to achieve it is due to your own determination and perseverance. It's a refreshing change from an old game that's been in existence for a long time. The mechanic has also made me think on other MMO's. Is an ironman-inspired system applied to other games of the genre? The answer is complex. The mechanic is able to work across a variety of games so long as they meet the right elements in their game to support the player base, for instance, the game could require a variety of skills that players to put their time into and crafting systems. I think this method is particularly effective for Runescape due to its tightly knit game world as well as its loopable mechanism. Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    0 Comments 0 Shares 706 Views
  • Marvel83' - Close To You
    Marvel83'
    https://www.youtube.com/watch?v=4NrnUjGhILY

    Complications of the mind makes me feel like
    We are running from something that cannot feel time
    Where were you when I felt close to you

    I’m not stopping for nothing
    I’m not calling a bluff and
    This is far from a movement
    Always stuck in the muck

    I’m forever young
    I’ve got love for my youth
    Forever known for being close to you
    I can’t believe my eyes
    You’re like a picture perfect memory from times that almost slipped away from me

    Complications of the heart makes me feel like
    Dark like the moon, never burn bright
    Life’s like a clock
    Spins so fast I can watch
    I beat like drum
    I swing from above

    Got arms like a tree
    I’m cold like the freeze
    Having these dreams, sweet fantasies
    Got lost in your arms
    Do you feel vacancy
    What kind of stress do you have?
    Can I ease the pain?

    Lovers lost in the rain
    Do you feel any hate?
    May I love you again?
    Doing the best that I can
    Make it all for you
    Take this all from me

    I’m not stopping for nothing
    I’m not calling a bluff and
    This is far from a movement
    Always stuck in the muck

    I’m forever young
    I've got love for my youth
    Forever known for being close to you
    I can’t believe my eyes
    You’re like a picture perfect memory from times that almost slipped away from me

    I’m forever young
    I’ve got love for my youth
    Forever known for being close to you

    I can’t believe my eyes
    You’re like a picture perfect memory from times that almost slipped away from me
    Marvel83' - Close To You Marvel83' https://www.youtube.com/watch?v=4NrnUjGhILY Complications of the mind makes me feel like We are running from something that cannot feel time Where were you when I felt close to you I’m not stopping for nothing I’m not calling a bluff and This is far from a movement Always stuck in the muck I’m forever young I’ve got love for my youth Forever known for being close to you I can’t believe my eyes You’re like a picture perfect memory from times that almost slipped away from me Complications of the heart makes me feel like Dark like the moon, never burn bright Life’s like a clock Spins so fast I can watch I beat like drum I swing from above Got arms like a tree I’m cold like the freeze Having these dreams, sweet fantasies Got lost in your arms Do you feel vacancy What kind of stress do you have? Can I ease the pain? Lovers lost in the rain Do you feel any hate? May I love you again? Doing the best that I can Make it all for you Take this all from me I’m not stopping for nothing I’m not calling a bluff and This is far from a movement Always stuck in the muck I’m forever young I've got love for my youth Forever known for being close to you I can’t believe my eyes You’re like a picture perfect memory from times that almost slipped away from me I’m forever young I’ve got love for my youth Forever known for being close to you I can’t believe my eyes You’re like a picture perfect memory from times that almost slipped away from me
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  • WOKE NEIL DEGRASSE TYSON HUMILIATED BY BILL MAHER FOR INSANE TAKE ON GENDER

    WHY is it hard for you to understand a guy who says that "You live on a spinning pear shaped ball" is an anti-science M0R0N who wouldn't know actual #Science if it sat on his face?

    https://old.bitchute.com/video/Xuco2VKhoyM/
    WOKE NEIL DEGRASSE TYSON HUMILIATED BY BILL MAHER FOR INSANE TAKE ON GENDER WHY is it hard for you to understand a guy who says that "You live on a spinning pear shaped ball" is an anti-science M0R0N who wouldn't know actual #Science if it sat on his face? https://old.bitchute.com/video/Xuco2VKhoyM/
    OLD.BITCHUTE.COM
    Woke Neil deGrasse Tyson HUMILIATED By Bill Maher For INSANE Take On Gender
    Tea: https://coffeebrandcoffee.com/collections/tea (code teatime) Roasters Choice: https://coffeebrandcoffee.com/products/roasters-choice
    0 Comments 0 Shares 303 Views

  • I'm sorry folks....
    But these people know NOTHING about the bible!

    #Israel (of the bible) is a people, and NOT people flying the star of Remphan over a patch of earth CLAIMING TO BE THE CHOSEN PEOPLE!

    This is like a joke!
    have any of these turds even read the bible?

    The Synagogue of Satan is NOT "the chosen people"
    That end times deception has them all!

    wonder how many of them believe they are on a spinning ball???
    Even Icke talks as if he knows no better! PATHETIC!

    https://old.bitchute.com/video/ypbtoOKBECxE/
    I'm sorry folks.... But these people know NOTHING about the bible! #Israel (of the bible) is a people, and NOT people flying the star of Remphan over a patch of earth CLAIMING TO BE THE CHOSEN PEOPLE! This is like a joke! have any of these turds even read the bible? The Synagogue of Satan is NOT "the chosen people" That end times deception has them all! wonder how many of them believe they are on a spinning ball??? Even Icke talks as if he knows no better! PATHETIC! https://old.bitchute.com/video/ypbtoOKBECxE/
    OLD.BITCHUTE.COM
    Trump, Israel, And The Third Temple - David Icke
    https://x.com/i/status/1860008457673539950
    0 Comments 0 Shares 499 Views
  • The left-wing media might try to spin it, but the truth is glaringly obvious: Taylor Swift's ticket sales are tanking because she threw her hat in the ring for Kamala Harris. America has spoken, and it's clear that the silent majority values patriotism over celebrity endorsements.
    The left-wing media might try to spin it, but the truth is glaringly obvious: Taylor Swift's ticket sales are tanking because she threw her hat in the ring for Kamala Harris. America has spoken, and it's clear that the silent majority values patriotism over celebrity endorsements.
    Haha
    2
    0 Comments 0 Shares 592 Views

  • Zalma’s Insurance Fraud Letter September 15, 2024

    Zalma’s Insurance Fraud Letter

    A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024

    “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.”

    Thomas Jefferson

    Insurance Fraud Requires Doctor to Lose his License

    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License

    Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation.

    The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage.

    FACTS

    Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey.

    Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo.

    THE OAL HEARING

    At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.”

    Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed.

    THE ALJ’S DECISION

    The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.”

    On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.”

    The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees.

    Quartararo Argued

    The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him.

    Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid.

    ZIFL OPINION

    Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud.

    Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc

    IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS

    In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision.

    Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion.

    FACTUAL BACKGROUND

    This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services.

    Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck.

    Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits.

    The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate.

    THRESHOLD INJURY

    Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh.

    Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met.

    Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function.

    The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain.

    FRAUDULENT INSURANCE ACT

    The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits.

    An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim.

    ZIFL OPINION

    The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor.

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty seventh installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Health Insurance Fraud Convictions
    Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme

    Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Indicators of Bad Faith Set Up

    Some of the more common red flags of a bad faith set-up include the following:

    The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation.
    Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused.
    The claimant makes a settlement offer with one or more unusual acceptance conditions.
    The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury)

    Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf

    Convictions of Other Than Health Insurance Fraud
    Star in Reality TV Series Pleads Guilty Crop Insurance Fraud

    Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Chutzpah – STOLI Fraudster Claims Hardship
    Felon Seeks Release from Home Confinement in Luxury Apartment in New York City

    Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions.

    Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf

    Barry Zalma, Esq., CFE

    Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.
    Zalma’s Insurance Fraud Letter September 15, 2024 Zalma’s Insurance Fraud Letter A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024 “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.” Thomas Jefferson Insurance Fraud Requires Doctor to Lose his License Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZIFL OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision. Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion. FACTUAL BACKGROUND This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services. Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck. Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits. The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate. THRESHOLD INJURY Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh. Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met. Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function. The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain. FRAUDULENT INSURANCE ACT The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits. An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim. ZIFL OPINION The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor. More McClenny Moseley & Associates Issues This is ZIFL’s thirty seventh installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Health Insurance Fraud Convictions Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Indicators of Bad Faith Set Up Some of the more common red flags of a bad faith set-up include the following: The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation. Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused. The claimant makes a settlement offer with one or more unusual acceptance conditions. The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury) Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf Convictions of Other Than Health Insurance Fraud Star in Reality TV Series Pleads Guilty Crop Insurance Fraud Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Barry Zalma, Esq., CFE Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome.
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  • Get ready for a spine-chilling journey into the unknown with this 3-hour marathon of true paranormal and unexplained stories. These aren't just tales but firsthand accounts from people who swear they've encountered things beyond explanation. This collection covers a vast range of eerie phenomena—haunted locations filled with terrifying apparitions, encounters with demonic entities, the unsettling touch of unseen beings, and so much more. The world is full of mysteries that defy logic, so keep an open mind and draw your own conclusions as you dive into this captivating compilation. Join us on Mystery Archives and explore the stories that lurk in the shadows, just waiting to be discovered!
    https://youtu.be/n9f7VV3ld8o?si=avNZbVhnDW-OfGSA
    Get ready for a spine-chilling journey into the unknown with this 3-hour marathon of true paranormal and unexplained stories. These aren't just tales but firsthand accounts from people who swear they've encountered things beyond explanation. This collection covers a vast range of eerie phenomena—haunted locations filled with terrifying apparitions, encounters with demonic entities, the unsettling touch of unseen beings, and so much more. The world is full of mysteries that defy logic, so keep an open mind and draw your own conclusions as you dive into this captivating compilation. Join us on Mystery Archives and explore the stories that lurk in the shadows, just waiting to be discovered! https://youtu.be/n9f7VV3ld8o?si=avNZbVhnDW-OfGSA
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  • Insurance Fraud Requires Doctor to Lose his License

    Read the full article at https://www.linkedin.com/pulse/insurance-fraud-requires-doctor-lose-his-license-zalma-esq-cfe-l2qkc/?trackingId=8KA%2FEXdvoGfzd13NxusOMw%3D%3D

    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License

    Post 4927

    Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation.

    The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage.

    FACTS

    Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey.

    Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo.

    THE OAL HEARING

    At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.”

    Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed.

    THE ALJ’S DECISION

    The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.”

    On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.”

    The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees.

    Quartararo Argued

    The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation, and resorted to making threats resulting in the issuance of a temporary restraining order against him.

    Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid.

    ZALMA OPINION

    Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud.

    (c) 2024 Barry Zalma & ClaimSchool, Inc.

    Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.

    Subscribe to my substack at https://barryzalma.substack.com/subscribe

    Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg

    Go to X @bzalma; Go to the Insurance Claims Library – https://lnkd.in/gwEYk
    Insurance Fraud Requires Doctor to Lose his License Read the full article at https://www.linkedin.com/pulse/insurance-fraud-requires-doctor-lose-his-license-zalma-esq-cfe-l2qkc/?trackingId=8KA%2FEXdvoGfzd13NxusOMw%3D%3D Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Post 4927 Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation, and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZALMA OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to X @bzalma; Go to the Insurance Claims Library – https://lnkd.in/gwEYk
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    Insurance Fraud Requires Doctor to Lose his License
    Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Post 4927 Posted on November 6, 2024 by Barry Zalma See the full video at https://rumble.com/v5m5s0z-insurance-fraud-requires-doctor-to-lose-his-license.
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