Friday, May 17, 2013

On Tech Innovation for Claims

A thought inspired by:  Claims Gets Its Piece of the IT Pie | PropertyCasualty360


Many industries have been very quick to adapt new technologies in the pursuit of maximum efficiency to cut administrative costs.   You can file your taxes, apply to a university, or even make a doctor’s appointment from the convenience of your home computer.   Any adjuster or case management professional can tell you that the time it takes to gather medical information on claimants can be daunting.  For a host of reasons, physician’s offices have not been so quick to adapt electronic medical records.  Even with the National Digital Medical Records Mandate or “ARRA” the ever advancing deadline of 2015 to switch to an approved EMR, many practices still rely on paper records and faxed or mailed records requests.   In the realm of workers’ compensation, the need to obtain medical records quickly can equate to serious savings. 

Quality First has tackled this issue by standardizing the receipt, storage, and dissemination of medical records for injured workers.  Although each physician may have their own system for recording visit notes, prescriptions, work status forms, and bills, Quality First requires an electronic copy within 24-48 hours of the patient’s visit.  These records are then cataloged instantly into an electronic repository.  With a network that includes over 200 practice locations, this is no small feat.  Once we collect and store the documents, we allow registered adjusters, case managers, employers, and any other authorized party to electronically request the documents needed.  If there is a question regarding treatment or a particular document, users can also request a conference with a member physician or even schedule an IME.  The average adjuster or case manager spends approximately  9.5 minutes calling for records, leaving messages, waiting for recordings, and sending faxes to receive information on a single claimant not to exclude additional calls, faxes, and recordings for a specialists office the claimant may also be seeing.  This is the reason we have developed the AEGEANTM platform as an online method to request, review, and follow up on multiple claimants on a single platform. 

We offer this tool to claims professionals as a way to spend less time on tedious clerical activities and more time to focus on core duties.  An average request takes less than a minute to complete online at any time of the day, there is no waiting for an answering service, or for the office manager to get in for the day.  A centralized method for requesting and retrieving records adds up to some serious savings for claims offices.  For example, think of a workers’ compensation claims adjuster that has, on average, 125 claims in their total caseload. Updated medical information is needed on average about every two weeks.  That means the adjuster may need to make up to 63 calls each week.  This adds up to almost 10 hours just gathering updated records.  If you multiply those hours by weeks and then break down how many work days are spent on clerical tasks, almost 65 days of each adjuster’s work year are spent languishing on phone calls.  The average number of work days spent using the AEGEANTM platform to gather the same information equates to just 4.5 work days annually.  When you start to factor in an entire claims staff and their annual salaries, the savings really start to stack up.  Of course, technology cannot solve all our problems.  That is why we have chosen specific providers that have vetted experience with workers’ compensation injuries and employer protocols to be a part of our network.   The premise is simple; there are excellent providers who know how to get injured people back to work quickly and safely.  Getting the information to the claims people should be straightforward.  We are accomplishing this through standardization with use of the AEGEANTM platform.  This is the kind of technological innovation that has the potential to put the work comp industry on the path towards increasing efficiency and cost savings. 


From the Adjusters


Our main objective at Quality First is to increase our provider’s bottom line.  In the realm of workers’ compensation, many inefficiencies simply stem from lack of communication between parties.  Inefficiencies can lead to revenue loss for both providers and payors.  In our quest to market our providers, we have met with large employers and payors and tried to understand what their needs are and how our providers can help to alleviate their pain points.  Recently, our sales staff shadowed  a number of work comp adjusters at the Chicago claims office for CCMSI.  We surveyed the claims staff to find out what their biggest concerns are and some ideas as to how providers can help.  Here are our results:

Problem
  • Getting claimants back to work quickly and safely

What Providers can do
  • Understand claimants’ job description and the company’s return to work policy/restrictions Prompt communication with Insurance Co/TPA and Employer on the defined work restrictions.  If     there is a problem, it can be identified right away.  For Quality First referrals, the communication can begin immediately with the Aegean System.

Problem
  • Predicting the cost of the claim
What Providers can do
  • Recognize problems quickly and give a realistic evaluation with a total expected time off work

Problem
  • Getting a bill with a corresponding note attached
What Providers can do
  • Ensure billing staff or contracted billing service are trained on handling work comp bills
  • Use a clearinghouse provider that is specially trained in workers compensation.
  • For Quality First referrals, make sure the patient’s bills and notes are submitted quickly to the Aegean System.  Once the documents are submitted, the claims staff can retrieve them

Thank you Attorney Gene Keefe and Dr. George Pappas for being panelists in our Webinar on Illinios Workers Comp Reform and the New PPP Program!

We had some great feedback on the presentation - the quality of information given was excellent

To see a copy of their presentations, click here

Tuesday, March 5, 2013

The Weather Outside is Frightful...

As the Chicago area gets blasted with another late snowstorm, it's a good time to review your workplace protocols for preventing slips and falls. Slips and falls not only occur outside on icy streets and sidewalks, but also indoors where snow gets dragged in from chilly commuters. Work-related slip, trip, and fall incidents can frequently result in serious disabling injuries. Here are some tips to remember when trying to prevent slips and falls.


What is the hazard? 

Ice and snow can cause employees to slip and fall. 

Where does the hazard occur? 

  • Entrances 
  • Parking garages and lots 
  • Walkways 
  • Outside stairs 

Prevention Strategies 

  • Have an aggressive program to promptly remove ice and snow from parking lots, garages, and sidewalks. 
  • Distribute winter weather warnings via email to staff when ice and snow are predicted. For staff that does not have access to email, provide notices on bulletin boards. 
  • Place freezing weather warning monitors at entrances to employee parking areas 
  • Display phone or pager number for maintenance department via posters and emails to encourage employees to report icy conditions. 
  • Place labeled bins filled with ice melting chemicals and scoops that anyone can use immediately on icy patches. Consider placing bins in areas of heavy pedestrian traffic such as the top and bottom of outdoor stairways, parking garage exits and entrances, and healthcare facility entrances. The bins should be labeled with the appropriate Material Safety Data Sheets (MSDS) and include instructions for handling ice melting chemicals. Bins should be secured so they cannot be removed. 
  • Provide additional mats in entrances during winter months and when it rains. 
  • Consider slip-resistant footwear (including ice cleats) for employees who work or travel outdoors as part of their jobs.

If an injury does occur, please contact Quality First to help you find an experienced physician in treating slips and falls 877-52-FIRST

Friday, February 22, 2013

What is a Virtual Medical Practice?

A client recently tried to summarize Quality First's Aegean system by saying "So it's kind of like a virtual medical practice."  When you think about it, that is essentially what we have created.  We schedule patients, gather physician records, release records to adjusters and case management staff, and provide reports to employers.  We have a group of doctors who all submit their documents to our digital records department, agree to follow specific protocols for workers comp patients.  The only difference between Quality First and your average medical practice is that when all is totaled, we have hundreds of providers (and growing) that stretch across the state and hopefully soon, the whole country.  Our providers are part of a "Quality First" practice, but they all work independently, at their own companies that many manage as their own.  We have a scheduling department, we have a medical records department just like any clinic, but our specialty is workers' comp.  We do this for the providers so they can focus on giving their patients great quality care.  Any employer, insurer, or TPA that decides to refer a patient to a Quality First physician gets access to our virtual medical practice.  Welcome!


Tuesday, February 19, 2013