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ERISAclaim.com Press Release

 

FOR IMMEDIATE RELEASE:

 

The New TPA ERISA Appeals Department Training Program Announced for Self-Insured Health Plan’s Denial and Appeal Management To Compliantly Contain Administrative Costs 02-11-2010, Hanover Park, IL

For The First Time In U.S. Health Care History, ERISAclaim.com Announced The Nation’s First TPA ERISA Appeal Management Department Program To Provide TPA’s and Self-Insured Health Plans With A Turn-Key Set-Up Training For The In-House ERISA Appeals Management Department To Process ERISA Appeals Compliantly to Contain Administrative Costs and Avoid Unnecessary Litigations, In Wake Of The New Pending Obama Health Reform Laws Mandating ERISA Compliance for All Group Health Plans Within Six Months of The Enactment

Hanover Park, IL (PRWEB) Feb. 11, 2010 – ERISAclaim.com announced nation’s first ERISA Appeals Management Department Training Program to provide more than 6 million ERISA plans with comprehensive and systematic problem-oriented ERISA Compliant Appeal Program to combat more than 20% of the annual administrative costs for more than 150 – 170 million working Americans and their families with employment based health Insurance. More than 55% of people with employment based health insurance are covered from Self-Insured plans. Private sectors paid more than 50% of the $2.5 trillion U.S. healthcare expenditures.

 

ERISAclaim.com’s TPA ERISA Appeals Management Training Program is a turn-key emergency resuscitation service for all self-insured health plans and TPA’s to set up an ERISA fully compliant Appeals Processing Department, with on-site training of in-house Certified ERISA Claim Specialists, without any traveling for plan or TPA staff, enhanced with short and long term live support from ERISAclaim.com for all ERISA claims denials and appeals process. The ERISA Appeals Department Setup process can be started in weeks and completed in about 30 days, at a price of even one of correctly managed denied claims.

 

ERISA, Employee Retirement and Income Security Act of 1974, is a federal law, enacted by Congress in 1974. ERISA Denial and Appeals are statutory and regulatory for denied ERISA claims for 80-90% of non-Medicare and Medicaid claims for about 150 - 170 million Americans, governing both self-insured and fully-insured health plans, said Dr. Jin Zhou, the President of ERISAclaim.com, a national leading expert in ERISA Appeals.

 

ERISA is the only federal law for 35 years, governing claim processing, denial and appeals for employment based health claims, according to a unanimous U.S. Supreme Court in Aetna v. Davila. All state laws and managed care contracts are completely pre-empted by federal law ERISA if impermissibly connected ERISA plans. For more than 6 million ERISA plans, self-insured large employer health plans, such as GM with $5.6 billion health expenses, paid out most of the healthcare costs despite of managed care industry practice. More than 90% of ERISA plans are lack of ERISA compliance, with resulted double digit increase in premiums and sky-rocketing healthcare costs after the decades of failure for managed care model to contain the costs. With pending Obama Health Reform mandating ERISA compliance within six months and anti-trust exemption repeal after the enactment, ERISA compliance for all ERISA group health plans is inevitable and mandatory.

 

“It doesn’t take a plan administrator or TPA to ask Albert Einstein if an ERISA plan should do ERISA appeals compliance and problem-oriented management, when ERISA appeals are mandatory under the federal laws for 35 years and every EOB of denied claims has informed every patient and provider of their ERISA Miranda’s Right to appeal at bottom or back page of the EOB’s”, according to Dr. Zhou.

 

“If ERISA Appeal is statutory and regulatory, it is a mandate for any one who wanted to cut a plan wastes and costs by an ERISA plan, according to U.S. Supreme Court in Aetna v. Davila in 2004. No one needs to ask around if an ERISA plan should do ERISA as a personal choice when ERISA is a federal law mandate”, as explained by Dr. Zhou.

 

Dr. Zhou also reiterated that ERISA claim regulation is only 7-page long in the Federal Register, for 35 years, while contained on every denial notice for ERISA appeals, more than 90% TPA’s or plan administrators have no clue, for 35 years, on how to process ERISA appeals in accordance with ERISA claim regulations in an industry of $2.5 trillion healthcare costs annually.

 

In recent Obama Healthcare Reform legislation, both House and Senate Bills have adopted ERISA claim regulation, in its entirety, the 35 year old ERISA law and the “established process”, for about 150 - 170 million Americans with employment based health insurance, as the new mandate for all group health plans for proposed new universal health care for additional 30 million uninsured Americans. Regardless of any passing of Healthcare Reform Bills, every existing ERISA plan must take immediate actions in established ERISA appeals process for 35 years to process ERISA appeals from providers and patients, as advised by Dr. Zhou.

 

Only when all ERISA plans and providers as well as patients are doing ERISA compliance in health care claim administration and processing, health care costs will be truly under control, as concluded by Dr. Jin Zhou.

 

ERISAclaim.com’s TPA ERISA Appeals Department program starts at $50,000 for up to 5 ERISA Claim Specialists Certification training and 30-day live phone and Webinar supports. Each additional ERISA Claim Specialist costs additional $8,500. An additional six-month support starts at $50,000 and one-year support at $100,000 for ERISA Appeals Department with trained ERISA Claim Specialists.

 

ERISAclaim.com also provides ERISA Claim Specialist Certification Training Classes for non-institutional providers in major U.S. cities.

 

In the past 10 years in USA, ERISAclaim.com has been the only ERISA Specialized Company offering the most practical and comprehensive ERISA education, consulting and publishing services for healthcare providers in administrative ERISA appeals for real problem oriented denials under the most mysterious 35-year-old federal law, ERISA. Dr. Jin Zhou, the president of ERISAclaim.com has been referred to as “the Godfather of ERISA Claims” for providers in the healthcare industry.

 

ERISAclaim.com is dedicated to helping ERISA plans with compliant ERISA appeals to get paid legally, for what the working class Americans and their families are legally entitled to under federal law ERISA and health plan provisions, to eliminate billions of dollars in uncompensated care costs for ERISA plans and prevent working American family from bankruptcies as a result of unpaid medical bills, and to minimize revenue cycle outsourcing dilemmas for ERISA plans already in financial respiratory failures.

 

For more information, please visit http://www.erisaclaim.com/Appeal_Department.htm, or contact Dr. Jin Zhou, president of ERISAclaim.com, at 630-808-7237.

 

###

 

Contract:

Jin Zhou, President

ERISAclaim.com

Tel: 630-808-7237 (Mobile)

Tel: 630-736-2974 (Office)

Fax: 630-736-1439

E-mail: ERISAclaim@aol.com

website: http://www.ERISAclaim.com

 

Related Links:

 

ERISAclaim.com: 50% Savings - Healthcare Crisis Turnaround for Employers, Insurers & TPA's

 

ERISAclaim.com - A $1.0 Trillion Nuclear Solution to U.S. Health-care Crisis & $44 Trillion Budget Deficits

 

American Benefits Council: News Room - Supreme Court Ruling on Health Care Claims Raises Important Policy Issues: American Benefits Council. June 21, 2004

"Sadly and predictably trial attorneys and their allies are already calling on Congress to unravel today’s decision by the Supreme Court, but they should first ask why the two physicians in these cases did not act swiftly to help make sure their patients got the care they were seeking. In neither case did the patient or their physician seek a further review of the health plan’s initial coverage decision, despite being specifically informed of their right to such a review under federal law." Klein said."

 

"These review procedures are available under ERISA to help patients get the care they deserve, quickly and without having to resort to costly and lengthy legal procedures. Clearly, a speedy and factual review aided by the expertise of the physicians involved with these two cases could have avoided the need for the courts to be involved at all," Klein said."

 

# # #

The American Benefits Council is the national trade association for companies concerned about federal legislation and regulations affecting all aspects of the employee benefits system. The Council's members represent the entire spectrum of the private employee benefits community and either sponsor directly or administer retirement and health plans covering more than 100 million Americans."

http://www.americanbenefitscouncil.org/issues/health/mischealth.htm

 

Lexology - Notes on the National Summit on Health Care Fraud

Reed Smith LLP, USA

 

February 1 2010

"Last week, in my capacity as president of the American Health Lawyers Association, I attended the first National Summit on Health Care Fraud, a joint undertaking by the U.S. Department of Health and Human Services and the U.S. Department of Justice. The conference brought together private sector leaders, law enforcement personnel, and health care experts as part of the Obama Administration’s coordinated effort to fight health care fraud. This was the first national gathering on health care fraud between law enforcement and the private and public sectors."  

STOP Medicare Fraud - U.S. Department of Health & Human Services and U.S. Department of Justice (http://www.stopmedicarefraud.gov)

"National Summit on Health Care Fraud

U.S. Department of Health and Human Services Secretary Kathleen Sebelius and Attorney General Eric Holder convened a “National Summit on Health Care Fraud” on Thursday January 28, to bring together leaders from the public and private sectors to identify and discuss innovative ways to eliminate fraud, waste and abuse in the U.S. health care system. The National Summit is the latest initiative of the Health Care Fraud Prevention & Enforcement Action Team (HEAT)."

 

bullet Agenda
bullet Read Event Blog
bullet Press Release
bullet Archived Webcast of Morning Session
bullet Archived Webcast of Evening Session
(You will need realplayer to view the webcasts. Realplayer is available for a free download at
http://www.real.com/realplayer?rppr=fed.)
bullet Remarks of Secretary Sebelius
bullet Remarks of Attorney General Holder
bullet Remarks of Deputy Secretary Corr
bullet Remarks of Acting Deputy Attorney General Grindler
bullet Turning Up the HEAT on Health Care Fraud
bullet President’s Budget Make Fraud Fighting a Top Priority

 

Related Press Release links:

 

The New 2010 Obama Healthcare Reimbursement Law Webinars Announced As ERISA Appeals Procedures Now Mandatory for All Group Health Plans and Healthcare Providers  01-04-2010, Hanover Park, IL

 

Free Overpayment Webinar Announced For Self-insured Health Plans To Get Immediate Relief from New $1 Trillion Overpayment Recoupment Embezzlement Market 11-23-2009, Hanover Park, IL

 

New Healthcare Overpayment Recoupment Embezzlement Recovery Service Announced In Wake Of Launch of New Federal Task Force To Combat Healthcare Fraud Crisis 11-19-2009, Hanover Park, IL

 

The New Healthcare Reform Bill Passed by The Congress Prompted The New Claim Specialist Certification Class from ERISAclaim.com 11-9-2009, Hanover Park, IL

 

ERISAclaim.com Announced The Nation's First Embezzlement Recovery Services for Large ERISA Health Plans from the $6 Trillion Healthcare Denial Management Market 10-23-2009, Hanover Park, IL

 

ERISAclaim.com Announced Free ERISA Webinar for Healthcare Overpayment Dispute and Claim Denials in Response to Increasing High Demand from the $6 Trillion Healthcare Denial Management Market  10-19-2009, Hanover Park, IL

 

ERISAclaim.com Announced the Expansion of Its ERISA Litigation Support For the Healthcare Claims In Response to Increasing High Demand from the $6 Trillion Healthcare Denial Management Market. 10-19-2009, Hanover Park, IL

 

ERISAclaim.com Announced 2010 ERISA Seminars for Healthcare Overpayment and Claim Denial Appeals for the $6 Trillion Healthcare Denial Management Market. 10-14-2009, Hanover Park, IL

 

ERISAclaim.com Announced the Nation's First Certification Program for the ERISA Claim Appeal Specialist for Healthcare Providers and Managed-Care Payers, 10-13-2009, Hanover Park, IL

 

 

 

 

Interactive Side-By-Side Health Reform Comparison Tool of Major Proposals (Kaiser Family Foundation)

Excerpt: "The Foundation has updated its health reform resources to reflect provisions of the Affordable Health Care for America Act (HR 3962) as passed on Saturday by the U.S. House of Representatives."

Information updated 03/26/2010

bullet

Summary of Final Health Care Reform Law (.pdf)

Download a printable comparison of the new health reform law (the Patient Protection and Affordable Care Act), the House-passed Health Care and Education Reconciliation Act of 2010, and last year's House-passed bill (.pdf)
Download a printable version of the three Congressional authorizing committee proposals (.pdf)
Download a printable side-by-side comparison of all proposals and topics (.pdf)

 
 

 

ERISA & Claim Denials

Aetna Video Shows ERISA Patients Mistreated

 

"According to the video, when faced with claims for identical medical problems, Aetna separates the claims where no damages are available - those subject to the federal Employee Retirement Income Security Act, or ERISA - from non-ERISA claims, where consumers can sue.1 2"

 

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."

 

Department of Labor

 
"A group health plan is an employee welfare benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides medical care for participants or their dependents directly or through insurance, reimbursement, or otherwise.

Most private sector health plans are covered by the

 Employee Retirement Income Security Act (ERISA). Among other things, ERISA provides protections for participants and beneficiaries in employee benefit plans (participant rights), including providing access to plan information. Also, those individuals who manage plans (and other fiduciaries) must meet certain standards of conduct under the fiduciary responsibilities specified in the law."

 

 

$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.

 

 

 

 

Agree to terms and conditions

"Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply."

 

CIGNA - Coverage Positions/Criteria
"The terms of a participant's particular benefit plan document [Group Service Agreement (GSA), Evidence of Coverage, Certificate of Coverage, Summary Plan Description (SPD) or similar plan document] may differ significantly from the standard benefit plans upon which these Coverage Positions are based. If these Coverage Positions are inconsistent with the terms of the member's specific benefit plan, then the terms of the member's specific benefit plan always control."

 

UnitedHealthcare Medical Policies

"By clicking "I agree," you agree to be bound by the terms and conditions expressed below, in addition to our Site Use Agreement.

UnitedHealthcare medical policies have been made available to you as a general reference resource. When reading these policies you agree that:

Our Medical Policy is not your patient's Benefit Plan.

Your patient's medical benefits are governed and determined by a benefit document, either a Certificate of Coverage or a Summary Plan Description. You should not rely on the information contained in this Web site section to determine your patient's medical benefits.
 

  1. Federal and state mandates and the patient’s benefit document take precedence over these policies.

  2. The patient’s benefit document lists the specific services that have coverage limits or exclusions.


Our Medical Policy does not address every situation and individuals should always consult their physician before making any decisions on medical care."

 

 

 

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

        Selected links:

Sec. 1002.
Definitions

Sec. 1003.
Coverage

Sec. 1022.
Summary plan description

Sec. 1027.

Retention of records
Sec. 1104.
Fiduciary duties

Sec.1106.

Prohibited transactions

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.

 

 

   
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