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Rx-1  $$$$$$$$$ERISA"Health Insurance Challenges: Buyer Beware" 3-3-04
Hearing, Senate Committee on Finance
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US Supreme Court Visits ERISAclaim.com
at 11:57:03 AM on Friday, November 21, 2003

We Are Seeking New Strategic Partners

 

 

2006 Reimbursement Seminars

Problem Oriented ERISA & Medicare Claims

&

New IL WC Laws

Click above for 2006 Seminars

    
Seminars - ERISA, New Federal Laws
for Health-care Claim Denial & Appeals

Illinois

 

 

 

Click The State Name for Time, Location & Agenda of Each Seminar

Seminar Schedules in IL NC, PA, VA, OH, SD, Teleconference

 

 

CALL:  1-630-736-2974

2005 Schedules

In IL

 

Details & Registration


PDF/Fax verion of Registration Form

 

Online Registration

 

Advanced
Certification
Programs

 

Jan. 21, 2005, Friday

9 a.m.-5 p.m.

 

Feb. 18, 2005, Friday

9 a.m.-5 p.m.

 

Mar. 18, 2005, Friday

9 a.m.-5 p.m. (Changed to SD from IL)

 

Apr. 15, 2005, Friday

9 a.m.-5 p.m.

 

May 20, 2005, Friday

9 a.m.-5 p.m.

 

Jun. 24, 2005, Friday

9 a.m.-5 p.m.

 

Jul. 22, 2005, Friday

9 a.m.-5 p.m.

 

Aug. 19, 2005, Friday

9 a.m.-5 p.m.

 

Sep. 30, 2005, Friday

9 a.m.-5 p.m.

 

Oct. 21, 2005, Friday

9 a.m.-5 p.m.

 

Dec. 16, 2005, Friday

9 a.m.-5 p.m.

Pre-registration $225 
(checks for pre-registration must be postmarked two weeks prior to the seminar)  
Late registration $250
Registration and payment at the door $275
Additional Staff from Same Office $150
Previous Attendees $150
VIP's

$0.00

Where


Vision MRI & CT Of Oak Brook

(In the Same Building of

Oak Brook Surgical Center, Driving Directions)

 2425 W. 22nd Street, Suite #205

Oak Brook, Illinois  60523

 (click it for Map & direction)

(Turn South at Tower Drive from W. 22nd St., Under Oak Brook Water Tower)

 

Driving Directions 

 

For Fax Registration
Click here to Download PDF/Fax verion of Registration Form

 

For Online Registration or Order
Click here to enter our secured online registration page
Please Specify the Date of Your Seminar on Registration Form

 

Tape or any forms of digital recording of seminar are not allowed

Copyright © 2001-2009

 

Seminar Schedules in ILNC, PA, VA, OH, Teleconference

 

We now offer post-seminar teleconference
for staff training at $190/hour.

     

 

Fax To: (630) 736-1439

A confirmation will be given by fax

CALL:  1-630-736-2974

E-mail Your Questions to ERISAclaim@aol.com

 

 

Our New ERISA Program Agenda

 

Seminar Schedules in ILNC, PA, VA, OH, Teleconference

 

950,000 Physicians Agreed to Do ERISA Appeals in
Settlement of Physician Class-Action Lawsuits

"Aetna and CIGNA Settlement Secrets"

"Talking Points"
What You Should Know about Filing Your Health Benefits Claim

Medicare & ERISA, Medicare Secondary Payer (CMS) and Debts "Overpayment" Recovery.

 

You will learn from our ERISA demystified educational seminars, backed with turn-key tools and solutions:

 

1.    The basics of ERISA, definition, how to identify ERISA plans, how to understand basic terms and definitions of ERISA law and regulations for health-care claim processing and claim appeals;

2.    How to get paid timely for what you legally entitled to or process ERISA health care claims with savings in accordance with ERISA claim regulation, Final Rule, and Summary Plan Description (SPD) Final Rule, ERISA Frequent Asked Questions from DOL as we outlined in above "ERISA POWER GUIDES";

3.    ERISA claim regulation or your state law, which law governs your concerns and disputes, with respect to coverage, medical necessity and billing & coding, dispute resolution and appeal process.

 

ü     Learn the New Federal (ERISA) Claims Regulations and how they protect and empower you during claim disputes and WHY ERISA, a federal law has been kept secret for 28 years

Ø     Learn What ERISA is really about and how it regulates 80% of your health-care claims

Ø     Find out why you need a new legal assignment of benefits, Your License for Dispute & Appeals (Q-B2 & B3)

Ø     Find out how to properly request for full disclosure on pertinent plan documents (Q-B5, D8, D9, D10 & D11) 

Ø     Find out what types of federal penalties can be imposed on managed care plans that fail to comply,  federal protection against Bundling & Down Coding, UCR & Medical Necessity Denials

ü     Learn about the Utilization Review Laws  and how they can help fight against improper, unfair & noncompliant pre-certification and medical necessity reviews

ü     Learn all about the NEW ERISA claim APPEALS PROCESS

Ø     Claim denial is followed by our ERISA compliant document disclosure request

Ø     Learn how to utilize our automated appeal templates for specific denial letters

Ø     Learn how  to do appeal letters that focus on federal laws that preempt state law

Ø     Learn how our NEW ERISA claim appeal process places the burden of proof on the managed care plans,  turning table around for endless paper chase and  stressful denial crisis!

Ø     AND more...

 

Results Nationwide 

v     Maximal Reimbursement through ERISA Compliance

v     Crisis Turnaround through ERISA Compliance

v     Happy Staff, Happy Patients

v     Increased Respect  from  the Insurance Industry and Self-funded ERISA Plans

v     Devote More Time to Patient Care Instead of Claim Denial Crisis Care

 

 

Alert: We will include one-hour coverage on New Medicare Appeal Process in each of our ERISA Seminars

Starting from April 2005

 

 

Maximal Healthcare Claim Reimbursement
through ERISA Compliance

 

Educational Training Programs
For Every One Who Handles ERISA Healthcare Claims

 

For CFO's, COOs, Denial Management Dept.,
Managed Care Directors,  Contract Managers,
A/R Specialist, Reimbursement Manager,
Office Manager, Coder's/Biller's,

Patient Accounting Directors And Managers,
Risk Managers, Revenue Cycle Directors,
Claims/ Benefit Managers,

"Provider Sponsored Organization" of HMO's, IPA's &
"Integrated Health Systems/Networks"

Providers, Payers And Suppliers,
Employer, Insurer, TPA's,
Appeals Dept., HR,

and More.....

 

(OIG: Special Advisory Bulletin: Practices of Business Consultants)

 

Disclaimer

 

 

 

950,000 MD's Settled With Aetna & Cigna on ERISA

"Aetna and CIGNA Settlement Secrets"

"Talking Points"
What You Should Know about Filing Your Health Benefits Claim

U.S. Health-care Crisis & ERISA Criminal Enforcement

Due to the recent demand from the ERISA plans and TPA's, we're pleased to announce that we also provide educational and consulting services to the ERISA plans, TPA's and managed care organizations on New Federal Claim/ERISA Regulations and Compliance, however we do not provide any services involving actual claim dispute or legal advice for any legal matter or disputes.

2004 & 2003 Past Schedules

Jan. 23, 2004, Friday
9 a.m.-5 p.m.

 

Feb 20, 2004, Friday
9 a.m.-5 p.m.

 

Mar 19, 2004, Friday
9 a.m.-5 p.m.

 

Apr 16, 2004, Friday
9 a.m.-5 p.m.

 

May 14, 2004, Friday
9 a.m.-5 p.m.

 

Jun 25, 2004, Friday

9 a.m.-5 p.m.

 

July 16, 2004, Friday
9 a.m.-5 p.m.

 

Aug 20, 2004, Friday
9 a.m.-5 p.m.

 

Sep. 23, 2004, Friday
6:00 p.m.-9:00 p.m.

(3Hr CME, Podiatrists Free, $30-$70 Specials, Download Registration for Details)

 

 

Sep. 24, 2004, Friday
9 a.m.-5 p.m.

 

Oct. 08, 2004, Friday

9 a.m.-5 p.m.

 

Nov. 12, 2004, Friday

9 a.m.-5 p.m.

 

Nov. 18, 2004,Thu.

King of Prussia ~ PA

(Registration Form, PDF)

 

Dec. 17, 2004, Friday

9 a.m.-5 p.m.

 

 

Jan. 14, 2003, Tuesday, 9 a.m.-5 p.m.
Feb. 21, 2003, Friday, 9 a.m.-5 p.m.

March 21, 2003, Friday, 9 a.m.-5 p.m.

April 12-13, Sat-Sun, Canton, Ohio

May 16, 2003, Friday, 9 a.m.-5 p.m.

June 13, 2003, Friday, 9 a.m.-5 p.m.

July 18, 2003, Friday, 9 a.m.-5 p.m.

Sept. 19, 2003, Friday, 9 a.m.-5 p.m.

Oct. 11, 2003, Saturday, 9 a.m.-5 p.m. Langhorne, PA

Oct. 17, 2003, Friday, 9 a.m.-5 p.m.

Nov. 04, 2003, Thursday, 9 a.m.-4 p.m.
Akron,  Ohio

Nov. 14, 2003, Friday, 9 a.m.-5 p.m.

Dec. 12, 2003, Friday, 9 a.m.-5 p.m.

 

April 20, 2002, Saturday, 9 a.m.-5 p.m.             

May 17, 2002, Friday,  9 a.m.-5 p.m.

June 21, 2002, Friday, 9 a.m.-5 p.m.

July 26, 2002, Friday, 9 A.m.-5 P.m.

Sept. 27, 2002, Friday, 9 a.m.-5 p.m.
Oct. 25, 2002, Friday, 9 a.m.-5 p.m.
Nov. 22, 2002, Friday, 9 a.m.-5 p.m.
Dec. 13, 2002, Friday, 9 a.m.-5 p.m.

 

 

 

 

CME -911 (for Illinois)

 

Solve Your Managed Care Headaches

and Get 8, 16, or *32 CME Credits

Before Your License Renewal Deadline: 07/31/2005

8/day HRS CME Approved through National University of Health Sciences

*32 CME by Special Arrangement only (8/day)

**for CME Credits, Tuitions: $50 Additional/day

225 ILCS 60/20      Medical Practice Act of 1987.

Administrative Rules Section 1285.110  Continuing Medical Education (CME)

With New OIG Compliance Recommendations

Medicare Documentation for the Demonstration Project

 

bullet Our ERISA-Medicare seminar will teach you exactly what to do when you are denied.
bullet Our ERISA-Medicare seminar will teach you the rules of the game so that you can unlock your clinic’s full potential.
bullet Our ERISA-Medicare seminar will bring light back into your practice, because you will no longer be a helpless managed care victim.

 

Friday July 22, 2005  9 AM-5 PM

Oak Brook, Illinois

 

or

We Can Come to Your Office at Your Convenience

for Any Group of Ten or More

 

 

 

 

 

DOJ: Criminal Resource Manual 2432 Coercive or Fraudulent Interference with ERISA Rights -- 29 U.S.C. 1141

2432 Coercive or Fraudulent Interference with ERISA Rights -- 29 U.S.C. 1141

Title 29 U.S.C. § 1141 states:

 

"It shall be unlawful for any person through the use of fraud, force, violence, or threat of the use of force or violence, to restrain, coerce, intimidate, or attempt to restrain, coerce, or intimidate any participant or beneficiary for the purpose of interfering with or preventing the exercise of any right to which he is or may become entitled under the plan, this title, section 3001, or the Welfare and Pension Plans Disclosure Act. Any person who willfully violates this section shall be fined $10,000 or imprisoned for not more than one year, or both. The amount of fine is governed by 18 U.S.C. § 3571. The U.S. Sentencing Guidelines address 29 U.S.C. § 1141 under the guidelines for "Fraud and Deceit" (U.S.S.G. § 2F1.1) or for "Extortion by Force or Threat of Injury or Serious Damage (U.S.S.G. § 2B3.2)......"

 

"For example, Section 1141 would reach the use of deception directed at misleading a welfare plan beneficiary as to the amount of health benefits owed to the beneficiary under the terms of the plan or at misleading a pension plan participant as to the amount of retirement benefits to which he would become entitled under the plan upon his retirement."

 

ERISA in the United States Code

ERISA 510 29 USC 1140 Interference with protected rights.
ERISA 511 29 USC 1141 Coercive interference.

 

Who Can Be a Medical Reviewer under ERISA?
(Copyright © 2004 by Jin Zhou,  ERISAclaim.com)


U.S. SUPREME COURT
Docket for 03-83
 

ORAL ARGUMENT TRANSCRIPTS (page 46 0f 49)

  02-1845. Aetna Health Inc. v. Davila 03/23/04

"QUESTION: Mr. Estrada, you can address what you would like but there are three points that have come up during the Respondent's presentation that I'd be interested with a response to.

 

Number one, is it true that the people who make the decisions for your client must be medical doctors in Texas?

 

MR. ESTRADA: Well it is true by virtue of DOL regulations which provide that no claim may be turned down without input from a medical professional in the relevant area"

New Federal Claim Regulation (Final Rule)

  1. "Plans must consult with appropriate health care professionals in deciding appealed claims involving medical judgment." [70268-70269, CFR § 2560.503-1(h)(3)(iii)]

  2. "The term `health care professional' means a physician or other health care professional licensed, accredited, or certified to perform specified health services consistent with State law." [page 70271 CFR § 2560.503-1(m)(7)]  

 

bullet

"medical doctors in Texas" = MD licensed to practice medicine in Texas for a Texas ERISA case;

bullet

"a medical professional in the relevant area" = relevant area of state laws in license jurisdiction, scope of practice and relevant local standard of care;

bullet

"licensed" = licensed by the State Government/licensing board;

bullet

"to perform" = to practice medicine or health care services in the State;

bullet

"specified health services" = medical procedures or services being reviewed or denied, instead of file review or insurance coverage reviews services;

bullet

"consistent with State law" = consistent with State laws where  the health care professional is legally licensed to practice medicine or health care services with respect to state jurisdictions,  scope of license and state local medical standard of care.

 

"The term `health care professional' means, in layman term,  a physician or other health care professional who is at least licensed in your state (and more, board certified too) to practice the specified/specific health services being reviewed or denied of your claims, consistent with your state law jurisdiction, scope of practice and local medical standard of care. Someone who is not licensed to practice the same health care services specified/denied in your claims is not qualified as an "appropriate health care professionals" as defined under ERISA § 2560.503-1(m)(7).

 

Someone who is not licensed in your state to practice "specified health services" but who is merely registered under state or other means (URAC, IME, SSD or Peer Reviews) to do Utilization Reviews (UR) is not qualified as an "appropriate health care professionals" as defined under ERISA § 2560.503-1(m)(7).

 

    U.S. Supreme Court visited ERISAclaim.com in regard to ERISA § 2560.503-1(h) at 11:57:03 AM on Friday, November 21, 2003 for this No. one point. Click here for more coverage of Supreme Court Visiting at ERISAClaim.com.

 

 

 

 

Fraud Health Care Cards

"New Strike Force"

Medical Fraud Every Day?

Appeal or Re-Bill After Denial?

You Must APPEAL

No Re-Billing!!!

Claim Appeal or Sentencing Appeal?

Your Choice

Maximal Reimbursement
through ERISA Appeal &

Fraud Prevention and Compliance

 

MAINE UROLOGIST SENTENCED FOR HEALTHCARE FRAUD (United States Department of Justice) October 6, 2004

 

Aetna:  Leading the Fight Against Health Care Fraud [PDF] View as HTML

"Thanks to this highly collaborative relationship, we know how to identify fraud because we know what to look for.

 

Medical Fraud

  1. Unusual provider billing practices.

  2. Discrepancy between the submitted diagnosis and the treatment.

  3. Diagnoses or treatments that are outside the practitioner’s scope of practice.

  4. Claims that are resubmitted with coding changes to gain benefits.

  5. Alterations on claim submissions.

  6. Pressure for quick claim payment."

Payments Go Under a Microscope (washingtonpost.com) January 12, 2004

"MAMSI and CareFirst recoup overpayments to doctors by making deductions from future reimbursements. Doctors can appeal insurers' decisions. But, in the end, they usually pay up, doctors and insurers agree."

Employers Audit Workers' Health Claims (Wall Street Journal via SFGate.com)

Excerpt: "Looking to bring down soaring health-care costs anywhere they can, more employers are scouring their health plans for fraud, abuse and simple mistakes by employees or administrators.

.......The number of requests for such audits jumped 50 percent last year, Mr. Farley estimates."

Blue Cross and Blue Shield Association Announces New Strike Force to Protect American Consumers from Fraud and Fight Rising Costs (U.S. Newswire, 4/19/2004)

"DETROIT, April 19 /U.S. Newswire/ -- The Blue Cross and Blue Shield Association (BCBSA) today announced a new Anti-Fraud Strike Force comprised of top Blue Plan investigators that will work with the Federal Bureau of Investigation (FBI) and other national, state and local law enforcement agencies to fight major insurance fraud schemes that rob consumers of millions of dollars annually. BCBSA President and CEO Scott P. Serota announced the new initiative in a speech to the Detroit Economic Club."

 

Clinton Township Firm Convicted of Overbilling (Macomb Daily)

"The case is somewhat unusual in that a corporation was named as a criminal defendant in the case, but Kaiser said that is not unheard of since corporate law can make a firm liable for criminal wrongdoing, and its principal office holders in return are responsible for any judgments or punishments the courts impose.

David Griem, the defense attorney for Emergency Management who was also named the principal to enter a guilty plea on its behalf, also could not be reached for comment after the sentencing hearing. In court, however, he turned over a check to the Blue Cross insurance company officials in attendance and said the company would pay the $5,000 court costs on time as well."

 

U.S. Department of Justice Seal

Health Care Fraud Report

Fiscal Year 1998

Link to Site Map

USDOJ: Deputy Attorney General: Publications and Documents - - Health Care Fraud Report Fiscal Year 1998

 

"On June 4, 1998, in the District of Maryland, Levindale Geriatric Hospital paid $800,000 to resolve allegations it violated the FCA by recoding and resubmitting denied charges for room and board. After the claims for room and board were denied by the Medicare Part A program, Levindale recoded the claims as supplies, laboratory work and other services, and submitted the claims for payment. In addition to paying a substantial penalty under the FCA, Levindale entered into a compliance agreement with HHS-OIG"

 

 

The Root of U. S. Healthcare Crisis

Jin Zhou, ERISAclaim.com

The Hearing at Senate Committee on Finance on 3-3-04, [View Video "Health Insurance Challenges: Buyer Beware" 3-3-04
Hearing, Senate Committee on Finance
or Transcript (PDF) (KaiserNetwork.org)]  revealed the mechanism, nature and extent of ERISA failure and nonenforcement as the reasons for "Growth in Bogus Health Insurance Plans Targeting Desperate Small Business Owners", as being concluded as "No the results are not good. It’s a tragedy." by Ann Combs, assistant secretary of DOL. The mechanism, nature and extent of ERISA failure and nonenforcement as presented at the Hearing are universally true and applicable to all health care claim denials and delays in managed care environment from all employer sponsored health plans as the root of U. S. healthcare crisis.

 

This is a 911 call on "healthcare 9/11 disaster"!

THE 9/11 COMMISSION REPORT (pdf)

 

Breaking News

 

 

 

 

Press Releases

Department of Law
120 Broadway
New York, NY 10271
 
Department of Law
The State Capitol
Albany, NY 12224
 
 
For More Information:
(212) 416-8060
For Immediate Release 
March 30, 2004
New Report Shows HMOs Do Not Adequately Comply with State Law
 

ATTENTION RADIO NEWSROOMS:
AN AUDIO CUT IS AVAILABLE BY CONTACTING THE ATTORNEY GENERAL'S 24 HOUR TOLL-FREE NEWS LINE AT (877) 345-3466, CHOICE #1.

 
Press Release

Survey Report - (HTML Version | PDF Version)

 

Denials + Recoupment = Inflation + Fraud or Cost-Sharing?

Rx = Compliant Denial & Appeals!

Forbes.com: "Roughly one in seven Americans has no health insurance. That hurts HCA Inc. (nyse: HCA - news - people), the largest U.S. hospital chain, which last year wrote off $2.21 billion of revenue because patients couldn't pay their bills."

The American Hospital Association (AHA): "Hospitals today are faced with the challenge of managing their limited resources, while continuing to deliver the highest standard of care. According to health care experts, the cost of clinical denials to individual healthcare organizations averages $3.3 million annually. However, many hospitals do not have the resources or the expertise needed to avoid unpaid days at the end of admissions and lead the denial-appeals processes."

Payments Go Under a Microscope (washingtonpost.com) "MAMSI and CareFirst recoup overpayments to doctors by making deductions from future reimbursements. Doctors can appeal insurers' decisions. But, in the end, they usually pay up, doctors and insurers agree."
Hospital Pricing and the Uninsured, Glenn Melnick, Ph.D., "Price Gouging"
(Subcommittee on Health
Hearing on the Uninsured, Tuesday, March 09, 2004)
U.S. FILES COMPLAINT AGAINST NATIONAL ACCOUNTING FIRM UNDER FALSE CLAIMS ACT (DOJ Press Release"January 5, 2004 - PHILADELPHIA – United States Attorney Patrick L. Meehan announced today the filing of the Government's complaint against national accounting firm Ernst & Young. According to the complaint, nine hospitals paid Ernst & Young for billing advice – advice which later caused the submission of false claims to the Medicare program."

Employers Audit Workers' Health Claims (Wall Street Journal via SFGate.com) & (MLive.com, MI)

Excerpt: "Looking to bring down soaring health-care costs anywhere they can, more employers are scouring their health plans for fraud, abuse and simple mistakes by employees or administrators.

.......The number of requests for such audits jumped 50 percent last year, Mr. Farley estimates."

USATODAY.com - Hospitals Sock Uninsured with Much Bigger Bills

GM to Report $60B in Future Health-Care Obligations

 

 

ERISA Failure Syndrome

U.S. Healthcare Crisis Trilogy

(Copyright © 2004 by Jin Zhou,  ERISAclaim.com)

 

ERISA
Medical Killing
ERISA
Medical Inflation
ERISA
Insurance Robbery
"Health Insurance Challenges: Buyer Beware" 3-3-04
Hearing, Senate Committee on Finance

Read Making a Killing

?

 

?

Bar graph showing trends in hospital charges and revenues in California from 1995-2002

?

 

?

GAO-04-312

?
 

?

American Job ExportING!

Mass layoffs up in January 2004

Weirton Steel cancels 10,000

GM: $67.5 billion in 2003

One Nation under Debt: U..S. economy threatened by aging of America

 

Healthcare Disaster at Fault Verdict Index:

U.S. Government 30%

U.S. Employers & Insurers 30%

Healthcare Providers 30%

Consumers 10%

(ERISA Failure + Managed-Care) Destroyed US Healthcare
(ERISA Failure + Managed-Care + HSA) Invite US Federal Budget Deficit & Social Security Disasters = 100X 9/11 Attacks

 

GAO: Current and Emerging Fiscal and Retirement Security Challenges, American Benefits Council/MetLife Conference, Washington, DC, on January 14, 2005

  1. Rising Health care Costs Have Many Implications (Direct)

  2. Rising Healthcare Costs Have Many Implications (Indirect)

 

Rx-1  $$$$$$$$$ERISA"Health Insurance Challenges: Buyer Beware" 3-3-04
Hearing, Senate Committee on Finance
$$$$$$$$$$  Rx-2

 

 

The Most Powerful & only Seminar in the U.S.
Focused on Health Care
ERISA Claim Denials & Appeals

 

Seminar Schedules in ILNC, PA, VA, OH, Teleconference

 

Call (630)-736-2974    FAX to (630) 736-1439

Only One Payment from Your Denied Claims
May Pay off the Seminar or Book Itself!
Why Not Take Actions to Save 40% of Your Business & Headaches?

 

Should You Wait?

    In a letter from Republican Congressional leader, John Boehner, to the Secretary of Labor and insurance/benefits industry, he states that "specifically, we are concerned about provisions in the final rule that go even further than the patients' rights bills passed by the Congress", and he urged DOL to revise and  delay the entire claims regulation.

 

Why ERISA Seminars for Health-care Providers???

 

  1. Health-care claim denial problems have fundamentally threatened health-care providers business survival;

  2. Up to 1/3 health-care claims was completely denied, rest of them partially and significantly denied.  Up to $500 billion were denied health-care claims in 2000.

  3. $1.55 trillion were spent in national health-care in 2002, 14.9% of GDP, out of which $207.2 billion were out-of-pocket payments, rest of them are health-care claims through third party reimbursement claims.

  4. ERISA regulates about 80% of health-care claims and is never understood by health-care providers;

  5. Traditional Assignment of Benefits Form used in hospitals and physician's offices does not provide any rights for physicians to dispute with insurance companies over claim denials except for only receiving undisputed and paid claims, according to new government guidance for new claims procedure, Q-B2;

  6. New Federal Claim Procedure, to be effective January 2002, has provided health-care providers with best and maximal protections against improper denials of medical necessity, usual customary and reasonable, policy exclusion, PPO discount and pre-existing conditions, Q-C16, Q-C17, Q-D9 & Q-D10;

  7. Only with proper understanding of what constitutes a sufficient designation of authorized representative, as required by new regulation, to ensure you to obtain ERISA rights guaranteed by federal law and to enjoy maximal protection to protect your business survival and prosperity.

U.S. House of Representative Seal

February 5, 2003, H. R. 957 (pdf)
February 5, 2003, H. R. 956 (pdf)

Norwood Introduces The Patient Protection
& ERISA Clarification Acts

 

For Patients' Rights, a Quiet Fadeaway
(Washington Post)

The Most Powerful & only Seminar in the U.S.
Focused on Health Care
ERISA Claim Denials & Appeals

Seminar Schedules in IL, VA, NC, Teleconference

Where:

 

Vision MRI & CT Of Oak Brook

 2425 W. 22nd Street, Suite #105

Oak Brook, Illinois  60523

 (click it for Map & direction)

 

For Fax Registration
Click here to Download PDF/Fax verion of Registration Form

For Online Registration or Order
Click here to enter our secured online registration page
Please Specify the Date of Your Seminar on Registration Form

 

Seminar Schedules in ILNC, PA, VA, OH, Teleconference

 

We now offer post-seminar teleconference for staff training at $190/hour.

    Due to the recent demand from the ERISA plans and TPA's, we're pleased to announce that we also provide educational and consulting services to the ERISA plans, TPA's and managed care organizations on New Federal Claim/ERISA Regulations and Compliance, however we do not provide any services involving actual claim dispute or legal advice for any legal matter or disputes.

 

Only One Payment from Your Denied Claims
May Pay off the Seminar or Book Itself!
Why Not Take Actions to Save 40% of Your Business & Headaches?

     

A New Diagnosis & Solution:
EFS-- ERISA FAILURE SYNDROME--Fatality: 31 YOA
 

ERISA Failure, Noncompliance and Nonenforcement of ERISA SPD and Claims Procedure Rules, Is the Damaged or Missing Foam on U.S. Healthcare Wings!

HMO Crisis Is Really An ERISA Crisis!

HMO & PPO Managed Care Contracting to 
Disregard & Substitute
ERISA SPD & Claims Procedure
Is The Primary & Inevitable Cause of Medical Inflation

Costly Managed Care & Medical Malpractice Lawsuits
American Job Export!

 

ERISA Failure Damages Are Greater Than
9/11 and Pearl Harbor Tragedies Combined

U.S. Health-care Crisis & ERISA Criminal Enforcement

 

(ERISA Failure + Managed-Care) Destroyed US Healthcare
(ERISA Failure + Managed-Care + HSA) Invite US Federal Budget Deficit & Social Security Disasters = 100X 9/11 Attacks

 

Only practical solution is to cut the skyrocketing healthcare care costs and increase the healthcare coverage and benefits at the same time without having to go to Congress to reinvent another new "Mars Project" or "Universal Uninsured Bill of Right"- "John Q. ERISA Enforcement".

 

Return to cms.hhs.gov Home  
Return to cms.hhs.gov Home
Column 1/Column 2 Correct Coding Edits
(formerly Comprehensive/Component Edits)

 

Mutually Exclusive Edits

NCCI Policy Manual for Part B Medicare Carriers
Medicare Claims Processing Manual (Sec. 20.9)
NCCI Questions and Answers
NCCI Edits Program Transmittals
Comprehensive Error Rate Testing (CERT) Program IMPROPER MEDICARE FEE-FOR-SERVICE PAYMENTS REPORT (Short Version) (PDF 671 KB)
AMNews: Oct. 20, 2003. HHS inspectors' action plan reveals hot buttons for fraud ... American Medical News AMNews: Dec. 8, 2003. Primary care troubled by coding errors ... American Medical News
White Paper: Health Care Fraud-- a Serious and Costly Reality for All Americans (PDF) (National Health Care Anti-Fraud Association - www.nhcaa.org)

"Aetna and CIGNA Settlement Secrets"
"Talking Points"

 

FALLICK v NATIONWIDE MUTL INS

Usual, Customary and Reasonable Charges

 

United States Department of Health and Human Services: Leading America to Better Health, Safety and Well-Being
 

2004.02.19: Text of Letter From Tommy G. Thompson Secretary of Health and Human Services To Richard J. Davidson, President, American Hospital Association.  

HHS FAQ "Questions On Charges For The Uninsured" (PDF)

HHS FAQ's "regarding offering discounts to the uninsured" (PDF)

 

OIG "HOSPITAL DISCOUNTS OFFERED TO PATIENTS WHO CANNOT AFFORD TO PAY THEIR HOSPITAL BILLS"

 

Aetna:  Leading the Fight Against Health Care Fraud [PDF] View as HTML

"Thanks to this highly collaborative relationship, we know how to identify fraud because we know what to look for.

 

Medical Fraud

  1. Unusual provider billing practices.

  2. Discrepancy between the submitted diagnosis and the treatment.

  3. Diagnoses or treatments that are outside the practitioner’s scope of practice.

  4. Claims that are resubmitted with coding changes to gain benefits.

  5. Alterations on claim submissions.

  6. Pressure for quick claim payment."

Effective Corporate Compliance Programs for Health Care Organizations (pdf) (Ernst & Young)

"An executive summary to our 52-page overview of the government's efforts to detect and punish health care fraud and abuse, with guidelines on how organizations can develop an effective corporate compliance program. (Adobe Acrobat - 708K)

Strengthening Ethical Cultures: The Emerging Role of Compliance Programs and Officers in Managed Care Organizations (Ernst & Young)

 

 

 

     

    ERISAclaim.com provides unique and unprecedented seminars on health-care ERISA claims denials and appeals resolution services for healthcare providers, physicians, clinics and hospitals. We concentrate on educating and assisting healthcare providers to become more aware of the most mystifying federal law, ERISA for past 28 years, and new federal ERISA regulations for claims procedures, to be effective January 2002. Our goal is to help you become more effective at prevailing on improperly denied health care ERISA claims after traditional and conventional appeal procedures have failed. We will demystify the complicated federal law, ERISA, which governs most of about 80% of health-care claims. Health-care providers need a practical and meaningful way to protect their rights as well as their patient's rights as originally intended by Congress in 1974 with Employee Retirement Income Security Act (ERISA).

 

Associations for Physicians, Hospitals, Health-care Providers

We are willing to work with any associations with your co-sponsorship and significant discount for tuitions and reference books. You may e-mail or telephone for more details.

The Most Powerful & only Seminar, Book & Website in the U.S.
Focused on Health Care
ERISA Claim Denials & Appeals

 

 

Department of Labor

 

 

AMNews through  AMA

Health plans subject to new federal appeals rules
Much-postponed regulations offer patients and doctors fairer and faster review, plus new rights, Dept. of Labor says.

 

 

Statutes (United States Code) 
ERISA - Title 29, Chapter 18. 

        Selected links:

Sec. 1002.
Definitions

Sec. 1003.
Coverage

Sec. 1022.
Summary plan description
Sec. 1104.
Fiduciary duties

Sec. 1140.
Interference with protected rights

Sec. 1141.
Coercive interference

part 7
group health plan requirements

 

 

Code of Federal Regulations

Codified in Title 29 of the Code of Federal Regulations:

Regulations

        Selected links:

2520.102-3 Contents of summary plan description.
2560.503-1 

Claims procedure.

 

 

 

ERISA Laws/Rules

ERISA in the United States Code: Cross-reference table, table of contents

 

ERISA in US CODE

 

ERISA & Health Claim
What Is ERISA and How Does It Affect Patient Rights?

 

"ERISA was enacted in 1974 to protect the pension and welfare benefits that employers provide their workers. It currently covers about 2.5 million health plans and 125 million workers, retirees, and dependents."

 

 

 

 

New HIPAA Privacy and ERISA Claims Review Rules: 10 Reasons To Comply (Brown Rudnick Berlack Israels L.L.P.)
 

Group Health Plan Compliance with ERISA and HIPAA: Navigating the Legal and Administrative Maze (PDF) (Brown Rudnick Berlack Israels L.L.P.)

72 pages. A 'Question and Answer Resource Guide."

 

 

Report of the ERISA Advisory Council's Working Group on Fiduciary Education and Training (U.S. Department of Labor, Employee Benefits Security Administration)

Excerpt: "We strongly urge anyone interested in the issue of fiduciary education to read through the transcripts of our work group's hearings ..."

 

 

 

State Prompt Pay Law Does NOT Work for Private Group Health Plans

Physicians Nationwide Are Confused!!!
 

Gilbert v. Alta Health & Life Insurance Co. (11th Cir. No. 01-10829,12/27/01).

 

""Because the insurance policy covered at least one other employee of Winfield Monument Company, besides Gilbert and his wife, there is no dispute that it constituted an ERISA plan."

 

American Benefits Council

Boehner Urges DOL to Delay New Claims Procedure Regulation for Group Health Plans (PDF)

"Specifically, we are concerned about provisions in the final rule that go even further

than the patients' rights bills passed by the Congress. For example, the Department's

final rule:..."

 

NAIC News Release

 

ERISA v State Laws

 

 

 

 
Working Families' Health Insurance Coverage, 1997-2001 (Center for Studying Health System Change)
 

"Of the 189 million nonelderly people in working families in 2001, 77.5 percent, or 146 million, had employer coverage,.."

 

Definitions of Health Insurance Plans and Other Terms (Federal Government’s Interdepartmental Committee)

 

 

 

AMA AMNews
Health plan on trial: Decisions bring responsibility
A New York lawsuit presents a major test of how health plans can be held accountable for their treatment decisions. -

 

$10,600 ERISA Claim

Recent Federal Court Ruling in a Case with $10,600 medical claim, insurance Co. refused to pay, provider made numerous demand for payment in almost one year, but no appeals filed, the court dismissed the lawsuit because provider failed to exhaust administrative remedy, as required under ERISA, by filing ERISAclaim appeals.  This situation is so popular in health-care community.

 

 

$37,350 ERISA Claim

Health-care provider alleged medical claims submitted to Aetna for reimbursement, Aetna asserted no receipt of medical claims, no written denials.  Health-care provider failed to present proof of claim submission, claim denial and ERISA claim appeals. This case was dismissed. ERISA health-care claims are handled in federal court, state law is generally not applicable.

 

 

 

 

Department of Labor

 

 

 

Peer Review

 

 

Independent Medical Review Experiences in California (California HealthCare Foundation)

 

Office for Civil Rights - HIPAA

OCR Guidance Explaining Significant Aspects of the Privacy Rule- December 4, 2002

 

HHS ISSUES NEW FREQUENTLY-ASKED QUESTIONS ON AUTHORIZATIONS UNDER HIPAA PRIVACY RULES, (FAQs) (Updated Sept. 24, 2003)

 

DOL Compliance Assistance for Health Plans

 

 

 

 

 

Federal Employees Health Benefits Program

 

FEHB HANDBOOK

 

 

Few California Residents, Providers Aware of Law on Independent Review of Health Plan Decisions (KaiserNetwork.org)

 

Independent Medical Review Experiences in California (California HealthCare Foundation)

Independent Medical Review, Phase I (369K)Download Now

Independent Medical Review, Phase II (832K)Download Now

 

Excerpt: "Many managed care patients and physicians in California are unaware of a state program that allows patients to appeal the decisions of their health plans, according to a report issued last week by the California HealthCare Foundation, the Los Angeles Times reports."

 

"The report recommended that the state DMHC develop a "how to" guide about the independent review program and distribute the guide in physician offices and employer human resource departments to increase participation. The report also recommended a campaign to explain the program to physicians and establish a system to ensure that health plans implement the decisions of the independent review board "in a timely manner," the Times reports."

 

 

2003 Segal Health Plan Cost Trend Survey: Preliminary Findings (PDF) (The Segal Company)

 

Tiered Hospital Plans (07/29/2003) (

 

Tiered Networks for Hospital and Physician Health Care Services (Employee Benefit Research Institute)

 

Retiree Health Care Benefits: Data Collection Issues (07/29/2003)

 

Facts from EBRI: Health Insurance and the Elderly (PDF) (Employee Benefit Research Institute)

 

Excerpt: "In 2001, 32.2 percent of the elderly had employment-based health insurance coverage in addition to Medicare, up from 28.7 percent in 1987." (page 2)

 

the Foundation for Health Coverage Education (The Foundation for Health Coverage Education)

 

US Department of Justice Seal

USDOJ

 Office of the Deputy Attorney General:

Publications and Documents

 

bullet The Health Care Fraud and Abuse Control Program FY 2002

 

bullet The Health Care Fraud and Abuse Control Program FY 2001

 

bullet The Health Care Fraud and Abuse Control Program FY 2000

 

bullet The Health Care Fraud and Abuse Control Program FY 1999

 

bullet The Health Care Fraud and Abuse Control Program FY 1998

 

bullet Health Care Fraud Report, Fiscal Year 1998

 

bullet Health Care Fraud Report, Fiscal Year 1997

 

USDOJ: DAG: Corporate Fraud Task Force

 

Federal Bureau of Investigation - Health Care Fraud Unit  

FBI: About the Health Care Fraud Unit

 

VideoVIDEO

 

Link to Site Map

 

Fighting Fraud & Abuse

 
bullet What is Medicare fraud?
bullet How do you recognize it? Fraud Tips
bullet How do you report it?
bullet Recent schemes and scams uncovered by Medicare (alerts)

 

Program Integrity Manual (PIM)

 

Examples of Fraudulent Activities

 pdf | word |

 

HHS-Office of Inspector General (OIG)

HHS-OIG-What's New

HHS-OIG-Fraud Prevention & Detection

HHS-OIG - Publications

 

United States of America v. Thomas Bruce Vest

 

Table of Contents - Health Care Fraud: Enforcement and Compliance - LawCatalog.com

 

PROSECUTING AND DEFENDING HEALTH CARE FRAUD CASES, WITH 2003 CUMULATIVE SUPPLEMENT (Author(s):  Michael K. Loucks and Carol C. Lam)

 

HEALTH CARE FRAUD AND ABUSE: PRACTICAL PERSPECTIVES, WITH 2003 SUPPLEMENT

 

 

Former uninsured patients alleged predatory collections

Chicagobusiness.com
 

Fraud Recovery and Prevention Efforts Net Over $7.5 Million

 

FAQ/Glossary, Member Services, Preferred Health Network, PHN Online,( CareFirst BlueChoice, Inc.)

DOL ERISA Talking Points

(BCBSCNY)

 

BCBS 2004 Edu Programs (pdf)

 

BCBS2003 Edu Programs (pdf)


Washington Post Examines Health Plans' Increased Scrutiny of Healthcare Providers' Claims (KaiserNetwork.org)

 

ABCNEWS.com : Huge Medical Insurance Scam Alleged

"Rarely does the FBI discuss an ongoing investigation. But the agency made an exception because this scam is so big. Insurance companies have already been hit with half a billion dollars in claims."

 

CNN.com -Transcripts:

A New Plan to Fight Terrorism? A look at Healthcare Fraud

 

Rent a Patient - Fraud Scheme

(BCBSAL)

 

KSAT.com - Health - 'Rent-A-Patient' Fraud Under Investigation

"UnitedHealth Group alone said it's told the FBI about 300 allegedly fraudulent Southern California centers."

 

State of Wisconsin - DOJ News Release

Lautenschlager Announces Public Alert on "Rent a Patient" Insurance Scams Victimizing Wisconsin Citizens and Businesses

 

Outpatient surgery centers probed for fraud (San Jose Mercury News, CA)

 

'Rent-A-Patient' Fraud Under Investigation
(NBC4.TV, CA)

 

New Boston podiatrists accused of insurance fraud (AP Wire | 03/11/2004)

 

TWO ACCUSED IN NEW BOSTON MEDICAL SCAM

(Tyler Morning Telegraph)

 

USDOJ: Deputy Attorney General: Publications and Documents - - Health Care Fraud Report Fiscal Year 1998

 

Payments Go Under a Microscope (washingtonpost.com)

 

CMS: Comprehensive Error Rate Testing (CERT) Program

 

(January 15 , 2004)

 

RECOVERY room
(MLive.com)

 

USATODAY.com - Hospitals sock uninsured with much bigger bills

 

A Booster Shot for Uninsured

"Illinois hospitals are hammering out a plan to provide free or discounted care to the uninsured"

 

Hospital group examines plan for free care (Chicagobusiness.com)

""Aggressive collection tactics with uninsured patients cost a non-profit hospital in Urbana its tax-exempt status last month. Illinois Attorney General Lisa Madigan is investigating hospitals’ dealings with the uninsured, and a Chicago alderman is talking about revoking tax breaks for hospitals that limit charity care."

 

Doctor 'scorecards' are proposed (The Wall Street Journal)

 

Bureau of Justice Statistics Medical Malpractice Trials and Verdicts in Large Counties, 2001  (Acrobat file) (Press release)

 

Seminar Schedules in ILNC, PA, VA, OH, Teleconference

 
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