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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 - Health Reform for Out-Of-Network Providers: Receiving Insurance Checks Directly? – CD Books & Seminars on Why & How

 

ERISAclaim.com Press Release

 

FOR IMMEDIATE RELEASE:

 

Court Watch: UnitedHealthcare Sued In ERISA Class Action Over Its Overpayment Recoupment Practice

 

© Jin Zhou, President, ERISAcalim.com

08/06/2010

 

Hanover Park, IL (ERISAclaim.com) August 06, 2010 - UNITED HEALTHCARE was sued in ERISA class action counterclaims on July 21, 2010 in United States District Court, Southern District of New York, for the alleged ERISA violations in its overpayment practice by patients and providers.

 

This is the third provider ERISA class action lawsuit against Insurers since Aetna was sued in last July and 21 BCBS Entities in last Sept in federal courts over payer’s overpayment recoupment practice, after a federal court ruled in Chicago on BCBS case allowing provider’s ERISA class action claim to proceed, said Dr. Zhou.

 

This is a seemingly very common but surprisingly twisted case in today’s healthcare market, according to Dr. Jin Zhou, President of ERISAclaim.com. When United Healthcare denied a surgical claim, a patient sued the United Healthcare in a small claim court in New York. United healthcare quickly moved the case to the federal district court, asserting ERISA pre-emption. Instead of simply defending the cases, the United filed an overpayment claim for the already paid money against the patient's providers as well. The saga starts to unfold from here. The patient and providers filed a class action counterclaim under ERISA on behalf of all similarly situated against the United, among other claims, alleging ERISA violations and seeking for injunctive and declaratory relief.

 

This overpayment lawsuit and counter-lawsuits case is titled: 

Gwendolyn Cunningham v. United Healthcare Insurance Company of New York;

United Healthcare Insurance Company Of New York v. Dr. Darrick Antell And Lenox Hill Ambulatory Surgery, P.C. F/K/A 850 Park Surgical;

Dr. Darrick Antell and Lenox Hill Ambulatory Surgery, P.C. F/K/A 850 Park Surgical, On Behalf Of Themselves And Others Similarly Situated v. Unitedhealth Group, Inc.; United Healthcare Services, Inc.; United Healthcare Insurance Company; and United Healthcare Insurance Company Of New York;

Case No. 10-CV-3194 (RJS) & Case No. 10-CV-3195 (RJS), Filed 07/21/10, in United States District Court, Southern District of New York.

 

For a copy of the case complaint:

http://www.erisaclaim.com/UHC_Overpayment_ERISA_Class_Action.pdf

 

The Counterclaim Plaintiffs alleged:

 

Count I: Claim For Benefits Under Group Plans Governed By ERISA;

Count Ii: Equitable Relief;

Count Iii: Claim For OBS Facility Fee Benefits Under Group Plans Governed By ERISA;

Count Iv: Failure To Provide Full & Fair Review As Required By ERISA

 

The Counterclaim Plaintiffs demand judgment in their favor against United Healthcare as follows:

 

A.   Certifying the Classes and appointing Dr. Antell and/or the Antell OBS Facility Class representative for each Class.

B.     Declaring that United Healthcare breached the terms of its Health Plans by its Denial of Benefits and its recoupment efforts and awarding injunctive and declaratory relief to prevent United Healthcare’s continuing actions detailed herein that are unauthorized under its Health Plans;

C.    Declaring that United Healthcare failed to provide a ―full and fair review to the Counterclaim Plaintiffs and the other members of the Classes under 29 U.S.C. § 1133, and awarding injunctive, declaratory and other equitable relief to Counterclaim Plaintiffs and the other member of the Classes to ensure compliance with ERISA and its regulations;

D.    Declaring that United Healthcare violated its disclosure and related obligations under ERISA and federal common law, including under 29 U.S.C. § 1022, for which Counterclaim Plaintiffs and the other members of the Classes are entitled to injunctive, declaratory and other equitable relief;

E.     Enjoining United Healthcare from continuing to pursue its recoupment efforts as detailed herein, and ordering it to pay restitution in the form of a return of any sums previously paid by providers in response to such efforts;;

F.     Declaring that United Healthcare breached the terms of its Health Plans by its denial of benefits for OBS Facility fees and ordering its payment of benefits for such fees;

G.    Awarding Counterclaim Plaintiffs disbursements and expenses of this action, including reasonable attorneys’ fees, in amounts to be determined by the Court and other appropriate relief;

H.    Awarding interest from the date of benefit denials for the Counterclaim Plaintiffs and the other members of the Classes for all unpaid OBS Facility Fees and from the date of recoupment for all previously paid benefits that had been returned to United Healthcare due to its improper repayment demands; and

I.       Granting such other and further relief as is just and proper.

 

In light of new federal appeals regulations going to effect on Sept. 23, 2010 for all new group health plans and existing employer sponsored health plans governed by ERISA for 35 years, it is very important for all providers to closely watch these cases and court rulings, as overpayment recoupment practice as a form of retrospective adverse benefit determination and national healthcare anti-fraud campaign are intertwined and enforced with multi-billion dollar stakes, as observed by Dr. Zhou, who advocated for ERISA administrative appeals and judicial reviews for all denied claims, in compliance with federal appeals regulations and state external review laws.

 

For more information on how to appeal overpayment denials under new federal appeals regulations, please contact Dr. Jin Zhou at ERISAclaim.com: email: ERISAclaim@aol.com; phone: 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 - Health Reform for Out-Of-Network Providers: Receiving Insurance Checks Directly? – CD Books & Seminars on Why

 

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)."

 

 

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

 
 

 

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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