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New Federal Health Claims & Appeals Laws & Regulations

for 193 Million Americans

Effective 09-23-2010

©2010, Jin Zhou, ERISAclaim.com

Photo of President Gerald R. Ford signing Employee Retirement Income Security Act of 1974

President Obama Signing Health Bill on 03/23/2010

President Gerald R. Ford Signing ERISA on 09/02/1974

New Webinars, Seminars & Certification Classes Announced for New Federal Health Claim Appeals Regulations on July 22, 2010 from HHS, DOL & IRS, Effective On Sept. 23, 2010 for 193 Million Americans

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(Links to DOL) ©2010, Jin Zhou, ERISAclaim.com

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Employee Retirement Income Security Act — ERISA

Webinars, Seminars & Certification Classes for New Federal Health Claim Appeals Regulations

 

ERISAclaim.com - Free Webinars - New Federal Claims & Appeals Regulations, Effective Sept. 23, 2010, for 193 Million Americans

 

ERISAclaim.com: Seminars - 2010 Two-day Basic ERISA Appeal Seminars - Denials and Overpayment Appeals

 

ERISAclaim.com - 2010 PPACA & ERISA Claim Specialist Certification Programs in Chicago, Illinois

 

ERISAclaim.com:  Create An Appeal Department for Your Hospital or Practice (In-house, onsite ERISA Claim Specialist Certification Programs)

 

ERISAclaim.com Press Release

 

FOR IMMEDIATE RELEASE:

 

ERISAclaim.com Announced the Nation's First Certification Program for the ERISA Claim Appeal Specialist for Healthcare Providers and Managed-Care Payers

 

Committed to Compliant Education for Medical Claim Dispute Resolution

For the first time in U.S. healthcare history, ERISAclaim.com is offering the nation's first eight-day Certification Program for ERISA Claim Appeal Specialist, starting from January 14-15, 2010, in Chicago Illinois, for healthcare providers, managed-care third-party payers (TPA), benefits administrators and healthcare attorneys as well as the state regulators. This ERISA Certification Program is a comprehensive, systematic and advanced problem-oriented interactive learning process, designed to learn and master the most important federal law, ERISA, which governs and regulates more than 90% of non-Medicare commercial claims and more than 60% of healthcare claim denial reasons for the past 35 years.
 

Hanover Park, IL (PRWEB) October 13, 2009 -- For the first time in U.S. healthcare history, ERISAclaim.com is offering the nation's first eight-day certification program for ERISA Claim Appeal Specialist, starting from January 14-15, 2010, in Chicago Illinois, for healthcare providers, managed-care third-party payers (TPA), benefits administrators and healthcare attorneys as well as the state regulators.

 

ERISA, Employee Retirement Income Security Act of 1974, is a federal law that governs and regulates healthcare claims for estimated more than 170 million Americans who obtained health insurance or benefits from employment in private sector, for both self-insured and fully-insured (through purchase of insurance) health plans. ERISA law completely (100%) preempts, supersedes and invalidates any and all state laws and private managed-care contracts for PPOs and HMOs in any and all dispute over denial of benefits from an ERISA plan. ERISA regulates and governs healthcare claims which include the paid ERISA healthcare claims in more than 50% of $2.4 trillion, 16.6% of GDP, of the national health expenditure in 2008, and also include the denied healthcare claims, legitimately or wrongly for appealable claims, in more than 50% of $5 trillion in the aggregated denied healthcare claims in 2008. More than 60-70% of healthcare claim denials from insurance companies and managed-care third-party payers by employer-sponsored plans are due to ERISA regulated plan or policy coverage, limitations and exclusions rather than traditional billing, coding, medical necessity and managed care contracting or participation dispute. Although in the past 35 years the notices for ERISA rights to appeal were written on almost every EOB (Explanation of Benefits) in the daily practice in doctors' offices and hospitals, the healthcare providers, managed-care third-party payers, and even legal professionals as well as the state regulators rarely understood how to conduct, manage or regulate ERISA claim appeals for ERISA claim denials and disputes.

 

The current Obama healthcare reform, regardless which version will prevail, will increase ERISA coverage from current 74% of civilian workers covered with health insurance under ERISA (as of March 2009) to 100% covered civilian workers, to cover, as early as next year, estimated more than 230 million civilian workers and their families. And the new Obama Department Of Labor (DOL) has sworn in to change federal ERISA enforcement from Bush's symbolic, "no teeth", ERISA voluntary compliance assistance to strike-force, "New Sheriff", ERISA enforcement on ERISA claim regulation, for healthcare claims from employer-sponsored and new federal mandated health plans for more than 230 million Americans.

 

There have been urgent and popular regulatory needs and market demands for ERISA claim compliance education and training in this $6 trillion healthcare denial management market.

 

ERISAclaim.com is offering the nation's first systematic, comprehensive and advanced eight-day ERISA Certification Program for ERISA Claim Appeals Specialist, starting from January 14, 2010, in light of increasing managed-care claim denials and new explosive litigations under ERISA and RICO in an era of skyrocketing healthcare costs in the midst of unprecedented economic recession. ERISAclaim.com is making U.S. healthcare history by teaching and training in this most important Federal law for healthcare providers, managed-care third-party payers (TPA), benefits administrators, healthcare attorneys and the state regulators, in accordance with U.S. Supreme Court rulings in Aetna v. Davila and ERISA claim regulation.

 

ERISAclaim.com  is currently the only company in the country that provides comprehensive, systematic and advanced ERISA healthcare claim education, consulting and publishing primarily for the healthcare providers and industry consultants.

 

"If ‘ERISA Miranda's Rights’ to appeal for every claim denial is on every denial notice daily in doctors' offices and hospitals for 35 years, and  according to U.S. Supreme Court, ERISA is the only correct way to go for denied claims with ERISA plans, regardless of HMO or PPO, and for cost of more than $1.2 trillion in paid ERISA claims each year, and with more than least $3 - 4 trillion in denied ERISA claims, why can't we do what Congress intended, Supreme Court instructed and each daily denial notice explained, "ERISA Miranda's Rights" to appeal?", said Dr. Jin Zhou, the president of ERISAclaim.com.

 

To resolve daily medical claim dispute and healthcare crisis, Dr. Jin Zhou suggested that the compliant ERISA benefits administration and ERISA appeals by all parties are the best ways to reduce or eliminate unnecessary healthcare wastes, costly and lengthy litigations. The healthcare claim dispute is similar to the traffic accidents. With voluntary traffic law compliance by the drivers and with meaningful enforcement by our government, we can expect to live in a reasonable safe environment. Without traffic law compliance by all drivers, we will be living in a very dangerous environment. By the same token, without ERISA claim appeal compliance by all parties and meaningful enforcement from the federal government, we cannot expect claim honesty, efficiency and fairness in healthcare delivery system.

 

ERISAclaim.com, located in northwestern suburb of Chicago, Illinois, is an online publisher, consultant and educator for ERISA claim education, training and consulting as well as claims recovery for ERISA healthcare claims. It also provides ERISA litigation support, research assistance and fraud and abuse prevention as well as PPO auditing defense consulting. In addition to ERISA, ERISAclaim.com also provides consulting and education for Medicare Claim Appeals Specialist, for Medicare RAC overpayment appeals, fraud and abuse prevention.

 

Dr. Jin Zhou, the president of ERISAclaim.com, developed the nation's first ERISA education and practical appeal system for healthcare providers 10 years ago, He has gained most comprehensive and unique practical experience in training and consulting in ERISA claims for healthcare providers for more than 10 years. Dr. Jin Zhou was sometimes referred to as the "Godfather of ERISA Claims" for healthcare providers by some industry experts.

 

For more information or to arrange an interview, please visit http://www.erisaclaim.com/Press_Release.htm or contact Dr. Jin Zhou, president of ERISAclaim.com, at 630-808-7237 or ERISAclaim@aol.com.

 

###

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 Press Release links:

 

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

 

 

 

 

 

 

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."

 

 

   
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