Search Insurance

Showing posts with label Abuse. Show all posts
Showing posts with label Abuse. Show all posts

Monday, August 20, 2012

Elimination of Fraud and Abuse in Health Care - Part 3


Waste, fraud and abuse in healthcare stops customers to have economical health facilities and it ultimately results in decline of quality as well. The United States of America's one of the biggest challenge is to come up with the strategy and ideas which help people having health facilities with quality, coverage and most importantly economical. It is explained in "Elimination of fraud and abuse in health care "part 2 that the customers dealing with healthcare is out of their reach each year and their pockets do not allow them to have quality and economical health. President Obama is appreciating and welcoming "ideas which can cut the cost, bring quality, reduce waste, fraud and abuse, last but not the least gives customer choice in healthcare.

One of the focal points is to bring innovation in healthcare and develop a system which can bring the mentioned constraints in healthcare. For that matter there is a need to take a look in what the Obama's healthcare reform plan is?

Barack Obama's Health Care Reform Plan

President Obama envisions the healthcare system so perfect that not even a single American suffers from healthcare. He puts emphasis on the reforms and his plan estimated cost is around $50 to $65 billion. The key factors of Obama's interest are:

1. Quality, Affordable & Portable Health Coverage for All.

2. Modernizing The U.S. Health Care System To Lower Costs & Improve Quality

3. Promoting Prevention & Strengthening Public Health.

One of the core aspect of this plan is the claim that every family will save approximately $2,500 each year. The plan caters a Health information technology investment aimed at dropping needless expenses that result from avoidable errors and ineffective paper billing systems. It will also help preventing and organizing of persistent circumstances. The preparation is required to raise insurance industry competition and reduce underwriting costs and profits in order to decrease insurance overhead. The health insurance should be universal which will diminish spending on uncompensated care.

The critics say that there is cost shift rather than cost reduction in this plan. Obama's stresses over creating another program just like Medicare or under- 65 age is itself a costly thinking. He also wants to empower government programs Medicaid and SCHIP. Obama makes investments in health information technology a significant element of his cost control strategy. This is the point of discussion. The only way to cope up with all these issues is to significantly use the technology. In order to improve quality Obama has planned to take steps which can produce results. It includes disease management programs, coordinated care, transparency about cost and quality of care, improved patient safety, aligning incentives for excellence, comparative effectiveness reviews, and reducing disparities in health care treatments for the same illness.

The three essential points to reduce inefficiency and abuse and improve healthcare quality are:

o Adopting state-of-the-art health information technology system.

o Ensuring that patients receive and providers deliver the best possible care, including prevention and chronic disease management services.

o Reforming the market structure to increase competition; and offering federal reinsurance to employers to help ensure that unexpected or catastrophic illnesses do not make health insurance unaffordable or out of reach for businesses and their employees.

The 3rd point of the Obama's plan is to Promote Prevention & Strengthening Public Health. For that matter he thinks, employers, school systems the medical and public health workforce, and federal and state and local governments have to play their role. The employers have o offer onsite clinical preventive services such as flu vaccinations, hygienic food in cafeterias etc. the workshops,seminars and training programs should be held in schools in order to educate children. Finally the government has to effectively use the electronic and print media and other ways to create awareness among people.

Problem Area

The healthcare costs are escalating and the health insurance have gone up too in the last few years, almost doubled with mounting 3.7 times faster in comparison to the salaries of employees. About 100,000 Americans die from medical errors in hospitals every year1. The personal bankruptcies are greater than ever due to lack of affordable health. Over 45 million Americans, including over 8 million children not having health insurance. 80% of the working families are uninsured. Intensifying health care costs are making it extremely intricate for employers, particularly small businesses, to endow with health insurance to their workers.

The basic problem is that until or unless a plan is not executed, things will not be changed. They will remain static. The claim that every American family will save $2,500 will be a dream, if there is no proper strategy and its implementation. There has to be a pro active procedure to fight with these issues. The nucleus of the strategy is to eliminate waste, fraud and abuse in healthcare. As it is discussed before that there are a lot of statements and thirst for the enhanced healthcare system but nobody talks about the central point. By just saying "reforming the market structure" or "Adopting state-of-the-art health information technology system" and "Ensuring that patients receive and providers deliver the best possible care" the healthcare system would not improve. One has to come up with the practical approach and a "system" which can actually deal with these problems.

Steps to be taken to avoid fraud and abuse

The "system" has to be flawless in order to achieve what is promised. The Americans are going through a difficult phase of recession. It is the prime responsibility of the state to deliver what is pledged. There are some vital steps to be taken to ensure the paramount quality.

- Any one who is involved in care providers, the flow of information has to be accurate.

- This is absolutely vital to encounter Date Reporting System in place which can accumulate or transfer such information that can reduce the fraud and abuse.

- The existing encounter Data Reporting Systems are creating insufficient information to provide any means for the reduction of potential fraud and abuse.

- There is a strong need of making enhancements or addendum to the existing ERRS.

The very first problem occurs when the measurements taken to avoid fraud and abuse are considered to be satisfactory. The CMS has a lot more potential to recover as they are recovering currently. It is discussed thoroughly that what is fraud and abuse? And how it occurs? A unanimous plan of the strategy builders is to have precautionary measures to avoid fraud and abuse. When the fraud and abuse actually takes place then the need of identification is required. It is considered that the identification of improper payments is reasonable. Here is the problem; the CMS (Centers of Medicare and Medicaid services) came up with RACs (Recovery Audit Contractors) and they were able to identify only 0.3 percent ($ 1.03 billion) of the claims received whereas the total of $317 billion Medicare claim payments available for review. Just because the amount of recovery is high RACs are considered to be satisfactory but the percentage o recovery is extremely near to the ground.

References

1. Linda T. Kohn, Janet M. Corrigan, and Molla S. Donaldson, Editors; Committee on Quality of Health Care in America, Institute of Medicine (2000). To Err is Human. Washington, DC: National Academy Press.







Friday, March 23, 2012

Health Insurance Plans That Covers Drug and Alcohol Abuse Or Related Addictions


The National Institute on Drug Abuse defines drug abuse and dependencies as the usage of a legal or an illegal medication that causes physical, mental, emotional, or social harm. Examples of commonly abused drugs include opioids, stimulants, anti-depressants, anti-anxiety agents, and hallucinogens. Drug abuse is a major public health problem in society today and can cause an applicant applying for health insurance to unknowingly have their application declined prematurely by most major medical carriers.

Why its hard to get insurance to cover this.

The reasons why most insurers are hesitant about insuring a proposed applicant are mainly due to the financial hardships or complications in which the administrator of a plan will ensue including cardiac arrest, intracranial hemorrhage, acquired immune deficiency syndrome, tetanus, subacute bacterial endocarditis, hepatitis, vasculitis, septicemia, thrombophlebitis, pulmonary emboli, gangrene, malaria, as well as increased risk of suicide and psychosis.

There are some that do cover the condition but they are hard to find.

However there are a select but few carriers that will cover the recovery of addiction through availability of specialty coverage. Discussing the situation with a licensed insurance agent to direct and guide toward a reputable company with a managed care program to cover detoxification is paramount.

Detoxification, is the controlled and gradual withdrawal of an abused drug and is achieved through substitution of a medication with similar action. A properly administrated detoxification health insurance program will cover substitute medications as well as prescriptions to ease the withdrawal reducing a patients discomfort and associated risk.

A good program will provide coverage for the following.

Depending on which drug that patient has abused, detoxification may be managed on an inpatient or outpatient basis and will have to cover a possible regime of expensive drugs including Diazepam, Topamax, Campral, Atabuse, ReVia, Vivotrol, Buprenorphine, and Methodone to name a few. Withdrawal symptoms which are left untreated can produce hazardous effects such as generalized tonic-clonic seizures, epilepsy, or hypotension. Opioid withdrawal causes severe physical discomfort and can even be life threatening. To minimize these effects, chronic opioid abusers are commonly detoxified with prescription Methadone. To ease withdrawal from opioids, depressants, and other drugs, useful nonchemical measures may include psychotherapy, exercise, relaxation techniques, and nutritional support. Sedatives and tranquilizers may be administered temporarily to help the patient cope with insomnia, anxiety, and depression.

After withdrawal, rehabilitation is needed to prevent recurrence of abuse. Rehab programs are also available for inpatient or outpatient basis and usually are covered for several months. During and after rehabilitation, participation in a drug-oriented self help group may be helpful.

Drug or alcohol abuse and related addictions can circumvent obtaining most major health insurance, however it should not stop you from fighting the disease. There are some carriers out there that have programs like this on a limited basis and can help you or someone you know put an end to the struggle.




If you need assistance in locating such a program in your area, we can help. For additional details please visit our website at http://www.health-insurance-buyer.com and leave your contact information so one of our licensed agents can help you.

Carlos Diez is a senior benefits consultant for Health Insurance Buyer a referral service that refers consumers to the insurance carriers that can best fit their wants and needs. He holds life, health, and annuity licenses in 48 states and is appointed with over 88 carriers. For contact information please reach him at http://www.health-insurance-buyer.com