The CARES Act: How It Helps Your Practice

The CARES Act(1) has many provisions that can help your practice during such trying times. It can be difficult to interpret, and also difficult to determine what steps to take to ensure you receive the benefits available to your practice. An update(2) from MGMA (Medical Group Management Association) can help you make sense of your options. Some highlights include:

  • The Act makes funds available to reimburse (through grants and other mechanisms) eligible healthcare suppliers (i.e., physicians) and providers (i.e., hospitals) for healthcare-related expenses or lost revenues caused by COVID-19
  • You are eligible for an automatic payment if you received Medicare fee-for-service (FFS) reimbursements in 2019
  • The payment amount is based on your share of total Medicare FFS reimbursements received in 2019

Conditions(3) do apply, of which you agree to when you confirm payment receipt. You must also sign an attestation within 30 days of receiving the funds. Some conditions include, but are not limited to, the following:

  • Providers may not “balance bill” patients for expenses related to COVID-19 treatment
  • Provide proof that practice performs diagnoses, testing, and/or care for individuals with possible or actual cases of COVID-19
  • Practice is not currently excluded from participation in Medicare, Medicaid, and other federal health care programs
  • Provider does not currently have Medicare billing privileges revoked
  • Payment will only be used to prevent, prepare for, and respond to coronavirus expenses
  • Submit reports as determined necessary to ensure compliance with conditions that are imposed on the receipt of funds
  • Maintain appropriate records and cost documentation relating to expenditure of funds

This list is not meant to be inclusive of all the terms and conditions relating to the provider relief fund. Please refer to the HHS.gov site for a full list of terms and conditions.

Contact us today. We can review your professional liability policy to ensure your coverage aligns with current mandates and guidelines.

Footnotes

Life Savers Need Saving Too

One of CARE’s trusted industry partners, SE Healthcare, has created a solution to help providers manage additional stress caused by the COVID-19 crisis. The Burnout Rescue Pack(1) contains seven short, impactful videos and seven audio files from burnout expert Dr. Dike Drummond. Providers receive immediate, actionable guidance to reduce anxiety levels and manage the challenges present in today’s health care environment.

The Burnout Rescue Pack features insights to help physicians:

  • Manage and lower stress levels
  • Prevent and address symptoms of burnout in themselves and their colleagues
  • Maximize downtime
  • Bonus feature: Earn up to 3.0 CME credits 

The Burnout Rescue Pack is a subset of training videos from the only comprehensive burnout program on the market: The Physician Burnout Prevention program. The Burnout Rescue Pack content was selected specifically to address the additional stress being placed upon physicians during the current pandemic crisis. The only cost associated with this package is a one-time fee of $49 per provider.

Included with the pack is a video thank-you message(2) to physicians from Dr. Drummond. Working in the healthcare industry is hectic, even on an average day, but the pandemic crisis is generating front-line PTSD episodes at an alarming rate(3). Even downtime, no matter how brief, should be planned with great care. Rest and respite are critical to rejuvenation, and enable health care professionals to return to the front line recharged.

Contact us today to learn more about the Burnout Rescue pack. We can also connect you with other physician wellness tools that are available to CARE members.

Footnotes

From Triage to Trial

Healthcare professionals working the front lines are faced with difficult decisions every day. Compound that with the COVID-19 pandemic, working around the clock, and worrying about their own health and safety. Basic triage decisions have evolved into heartbreaking shifts, with hardly any respite for those facing the onslaught day after day.

As is the norm in our litigious culture, what will follow is a wave of potential malpractice suits(1), some due to the triage decisioning process, and others because healthcare facilities lack basic supplies, such as face masks and ventilators. While it seems unthinkable to accuse a medical professional of making the wrong decision when they are putting themselves at great personal risk to treat so many others, it will happen.

The key to triaging patients during a global pandemic is consistency. It is paramount to determine – and stick with – clear, concise, specific policies that do not discriminate based on subjective criteria. A healthcare professional cannot simply decide if a patient is too old or too sick (based on other comorbid conditions) every time they triage a new patient. The clearer the guidance, the more objective employees can be. Follow up these decisions with proper documentation to ensure that guidelines were followed, and the documentation can serve as the collective memory, even once this pandemic has past.

There’s also the question of how to determine what a pandemic triage policy should be, when (hopefully), each of us will only go through something so impactful once in our lifetimes. For example, the next outbreak might not require such a large demand for ventilators, so how do we determine (and who decides) what is normal or expected?

In terms of prevention, healthcare facilities can support their personnel by addressing the anxiety and confidence dips that are normal during a global health crisis. Health care workers cannot calm and reassure the public when they aren’t being reassured themselves. The concerns of health care professionals can be summed up in five categories: hear me, protect me, prepare me, support me, and care for me(2).  

There is no clear way to end an article about an ever-evolving situation. So much is unknown and uncertain. The most important thing we as professionals in the healthcare industry can do right now is protect ourselves. And each other.

Footnotes

You’re a Specialist? You Need Specialized Coverage.

While a general practitioner is usually comfortable with basic medical liability coverage, specialty providers have specific needs and circumstances that merit special consideration. If you are a specialist, consider seeking malpractice coverage from a company that knows the specifics of your industry.

CARE Professional Liability Association, LLC offers the following types of specialty coverage:

  • Dental
  • Chiropractic
  • Pain Management
  • Medical Directorship
  • Bariatric Surgery

A CARE policy offers solid, affordable coverage to physicians from coast to coast. Our goals are to offer the lowest premium possible and tailored flexibility to meet a specialty practice’s needs. Some features of a CARE policy include:

  • Claims-made coverage
  • Limits available that meet or exceed state requirements
  • Death, disability, and retirement (DD&R) available
  • Coverage for multi-specialty groups
  • Ancillary personnel can be covered on a shared limit basis (subject to certain restrictions)
  • Special pricing for part-time, low-volume visits, low reads, deliveries, and surgery
  • Multiple deductible options available
  • Policy can be tailored to meet the specialty physician’s needs
  • Proactive risk management program included with policy
  • Installment financing available

According to a 2019 Medscape survey, approximately 59% of physicians who responded said they have been named in a malpractice suit(1). Given that statistic, providers need to carefully consider their liability coverage options. A robust policy is a substantial investment, but it can also save your practice from bankruptcy should you ever be involved in a malpractice claim. Policy costs vary greatly, depending on the type of medical professionals covered in the policy(2). This is one reason why you should partner with a risk retention group that understands the nuances of specialty practices. It’s an art and a science balancing coverage and cost, and experienced underwriters can develop a policy that provides you with the best solution.

Contact us today. Our underwriters understand the challenges of specialty practices. Put our years of experience to work for you.

Footnotes

Preparing Your Practice for Telemedicine Care

The COVID-19 pandemic has healthcare providers evolving their practices daily as protocols for diagnosing and treating the virus change so quickly. Telemedicine has become an effective means of triaging patients while limiting exposure for both patients and office staff.

The AMA(1) has issued a guide to quickly establishing a telemedicine offering at your practice. Some suggestions include:

  • Establish an implementation team
  • Review malpractice insurance policy
  • Evaluate payment guidelines   
  • Select third-party vendor to provide services
  • Ensure HIPAA compliance
  • Train clinicians, care team members, and schedulers
  • Set up telehealth space at your location
  • Determine documentation protocols
  • Ensure you receive advanced consent from patients for telemedicine interactions
  • Conduct proactive patient outreach to spread awareness of telemedicine offering

The Department of Health and Human Services(2) has issued guidance to health care providers who are new to providing telemedicine options to their patients. They have confirmed that covered health care providers will not be subject to penalties for violations of the HIPAA Privacy, Security, and Breach Notification Rules that occur during the good faith provision of telehealth during the COVID-19 nationwide public health emergency. This notification does not affect the application of the HIPAA Rules to other areas of health care outside of telehealth during the emergency.

CMS (Center for Medicare & Medicaid Services)(3) has issued guidelines for Medicare and Medicaid patients. For private insurers, several healthcare companies have announced that they will make telehealth more widely available. Some are offering telehealth services for free for a certain period of time.

Contact us today. We can review your professional liability policy to ensure your coverage aligns with current telemedicine mandates and guidelines.

Please Note: Any communications relating to the impact of coronavirus/COVID-19 on insurance policies or healthcare protocols are not legal opinions, warranties, or guarantees, and should not be relied upon as such. We do not render legal advice or make coverage decisions regarding COVID-19 claims. Given the ongoing and constantly evolving pandemic situation, this communication does not necessarily reflect the latest information regarding recently enacted, pending, or proposed legislation or mandates that could override, alter, or affect existing insurance coverage. Please consult with an attorney for specific legal advice in this regard.

Footnotes

Important CDC Resources During the Pandemic

The CDC urges healthcare facilities and provider practices to assess their protocols to help prevent the spread of COVID-19. The CDC has provided the following resources to aid healthcare providers in these efforts:

Also be sure to keep the CDC Emergency Operations Center number readily available for emergency or urgent patient care assistance (not intended for use by general public): 770-488-7100. It is staffed 24 hours a day, seven days a week.

Contact us today. We can review your professional liability policy to ensure your coverage aligns with current mandates and guidelines.

Please Note: Any communications relating to the impact of coronavirus/COVID-19 on insurance policies or healthcare protocols are not legal opinions, warranties, or guarantees, and should not be relied upon as such. We do not render legal advice or make coverage decisions regarding COVID-19 claims. Given the ongoing and constantly evolving pandemic situation, this communication does not necessarily reflect the latest information regarding recently enacted, pending, or proposed legislation or mandates that could override, alter, or affect existing insurance coverage. Please consult with an attorney for specific legal advice in this regard.