Tuesday, October 31, 2023

How to influence your medical practice's health insurance renewal

Let’s talk about something that deserves proactive attention: your practice’s health insurance renewal. It’s an area where your leadership could make a difference.

Your health insurance premiums increase annually. The following example shows how compounding works against you. At the end of five years, an employer with fifty employees who keeps their renewals at 6.5% rather than 14.5% saves $395,055 over five years. Compounding works for you in the stock market but against you in the health insurance market.


Courtesy of Lucien W. Roberts, III, MHA, FACMPE


Here is my basic premise: where your employees get their healthcare care impacts YOUR income. Where you get your healthcare impacts THEIR income. This truth is neither understood nor appreciated by many, so let's go there.
  1. Next year's health insurance renewals are driven by this year's health insurance claims. If the claims paid out by the insurance company are MORE than the premiums paid by your practice, the insurance company loses money. It raises premiums for next year to make up for this year's loss. The take-home message is that saving money on this year's health spend keeps next year's renewal premiums lower.
  2. Every paid claim goes into a bucket that is balanced against the premiums. While it may not seem to matter if you get your MRI at $$$$ facility or $$ facility, it does. And if 20 of your employees get their care for $$$$ rather than $$, everyone's premiums go up next year unnecessarily. Every dollar spent unwisely is a dollar not saved wisely. All of you – partners, APPs, employees - have skin in this game and a duty to each other to not waste 'our' premium dollars.
  3. Less expensive does NOT mean less good.My freestanding infusion center, Infusion Solutions, may be the least expensive option in town, yet I will put my Infusion Solutions team up against anyone, any day. We take great pride in giving better care for less.It saves patients money, and it saves their employers money via lower premium increases. Value shopping should be an integral part of where we spend our healthcare dollars if we want to keep premiums in check.
  4. Let’s dispel a myth about high deductibles. When YOU meet your annual deductible, it means that YOU aren't going to be paying any more out of pocket THIS YEAR. But every dollar spent above and beyond the deductible is going into the bucket that determines next year's premiums. You and your employees WILL pay more next year. It is still critical for you and your employees to price shop once the deductible has been met.

Some of the worst times during my career were when I knew the insurance renewal increase was going to be greater than the annual raises I was giving my folks. My employees' income would go down despite the raise. It was before I really grasped that I had the power to bend the curve by spending my healthcare dollars more wisely and by educating and encouraging my co-workers to do the same. I know better now.

You, as a leader, can bend this cost curve.Be open with your staff.Help them understand these dynamics – the practice’s fiscal health and their fiscal health are intertwined.Share your personal efforts to choose your healthcare wisely.Finally, repeat this message several times during the year. The last point is critical, as ongoing vigilance is needed to create good healthcare spending habits.


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Monday, October 30, 2023

How tp conduct a time and motion study of your medical practice

Develop an on-time philosophy


You know the adage: Timeliness is next to godliness. (It's cleanliness that's next to godliness, but timeliness is vital, too!) Patients' most common complaint about the healthcare experience is "waiting for the doctor." Spending excessive time in the reception area accounts for more patient dissatisfaction than any other aspect of medical care. In one recent survey, nearly one in four patients (24%) claimed to have waited 30 minutes or longer. This statistic will only worsen with so many more women entering the marketplace.

To gain an accurate picture of what is happening regarding the schedule in your practice, I suggest conducting a "time and motion" study. For a period of 3 to 5 days, place a sheet on each patient's record or superbill and log in the following:
  • time of her appointment
  • time she arrived
  • time she left the office
  • how much time she spent with her physician

You will be amazed to discover that patients are waiting 1 or 2 hours or longer to see the physician, and that the physician is spending only 5 minutes with the patient. Ask any patient on a survey if she feels she is getting bang for their buck, and they will answer, "No!"

By conducting a time and motion study, you will discover that there are predictable periods when backlogs occur. Often, these delays result from "working a patient in" to the schedule. Unscheduled patients who call to report a medical emergency are often told to come in without an appointment. Still, they inevitably displace patients already scheduled and delay the visit of those with scheduled appointments. This problem affects almost every doctor.

One way to avoid this scenario is to create "sacred" time slots. These are 15-minute intervals at the end of the morning or afternoon in which unscheduled patients can be seen without affecting the schedule. Instead of telling the patient to "just come in," the receptionist tells them to report at a specific time. These time slots must be filled with something other than routine appointments. They can only be filled after 9 a.m. each day. This leaves two or three places open for patients who must be seen immediately.

Few physicians can change healthcare policy. But all of us can be more sensitive to our patients' time and try to see them as soon as possible, eliminating one of the patients' most common complaints: the long wait to see their doctor.

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Friday, October 27, 2023

Primary care physicians and orthopedics: a new virtual solution to comanage your patients

Another day in the primary care office: Loads of patients to see, paperwork to get done, and you are so happy you are only 30 minutes behind. Your next patient with obesity, hypertension, and diabetes is doing pretty well. A1C within normal limits, glucoses OK, and he is even losing some weight. You’ve had a great visit and are happy with the excellent care you and your team are providing. But as you are just about to leave the room, your patient says, “Doc, my shoulder has been hurting for the last three months. What should I do?”

You want to help your patient. You would love to ask some questions about their shoulder pain, do a physical examination, and then give your patient some advice. That is what primary care physicians do and that is what your patients want.

But you are already 30 minutes behind, you have five more patients in the waiting room, and your medical assistant knocks on the door to tell you that one of your patients from yesterday was just admitted to the hospital and the hospitalist is on the phone.

So, what do you do?


A reality and dilemma


You don’t have much time or many options to deal with this seemingly minor orthopedic issue. Maybe you send the patient to physical therapy. But patients who go to therapy without a specific diagnosis don’t do as well as those who are referred with a diagnosis. Maybe you order an MRI scan, but you know that MRIs are expensive and are so sensitive that they have lots of false positives or findings with little clinical significance. Or perhaps you just give him a referral to an orthopedic surgeon, knowing that it may take weeks to get an appointment.

This is both a reality and a dilemma that primary care physicians face every day.

As an orthopedic surgeon and site director for the University of Connecticut Family Medicine Program for the past 30 years, I have taught many physicians the basic knowledge and management of musculoskeletal (MSK) disease. And I understand, from first-hand communication, the challenges that our primary care physicians face every day. MSK conditions are a common indication for primary care encounters. One in three Americans experience an MSK issue each year – and approximately 10% to 20% of the population presents for an MSK complaint annually. Primary care physicians are in short supply and need support in managing these orthopedic patients.


A way to help


Primary care physicians need help. Online, collaborative virtual orthopedic solutions can be the answer. Virtual MSK companies leverage smart technology and the human touch to effectively manage and triage low- and medium-acuity orthopedic problems. A symptom assessment tool duplicates the doctor-patient interaction by asking relevant questions and using proprietary technology driven by artificial intelligence to generate a differential list of possible conditions. The patient can then read about their condition and access user-friendly self-help programs. For many people, this alone answers their most pressing questions – “What do I have and what do I need to do?” Patients can also immediately talk to a certified athletic trainer (ATC) who will further assess their condition using motion-tracking technology, provide some general advice, and recommend a customized video-based rehabilitation program created by a doctor of physical therapy. ATCs function as their personal care navigator along their entire journey, avoiding troublesome care gaps during recovery. Patients can also set up a telehealth visit with a primary care sports medicine physician or orthopedic surgeon. Imaging studies, braces, and nonopioid medications can be ordered through the platform. If necessary, referrals can be made to brick-and-mortar physical therapy or orthopedic offices.


On the right path


Now let’s revisit that same patient who complained of shoulder pain at the end of their appointment. How would the patient journey look if the primary care physician had access to a virtual orthopedic solution and could refer their patient to their virtual orthopedic provider?

Instead of waiting weeks for an orthopedic visit, the patient could immediately access the symptom checker and have a realistic idea of what their problem might be. The symptom checker’s algorithms were written by orthopedic specialists – in a preliminary study, even without a physical exam or radiographic imaging, the tool was 75% accurate. Rather than risk getting lost in the system, the primary care physician is assured that their patient can immediately talk with a certified athletic trainer to follow them on the road to recovery. Lastly, instead of waiting for weeks, the patient can have a virtual visit with an orthopedic specialist within 24 hours. Imaging studies can be ordered and reviewed with the patient. Within a very short period of time, the patient has an understanding of their condition, receives a customized management plan and, if necessary, can be appropriately triaged.


In short, they are put on the right path from the start.


The primary care physician is always in charge and remains the care team captain – but they now have help in comanaging their patients with orthopedic complaints. The patient benefits from immediate access to high-value orthopedic care, but also knows that their primary care physician is still involved in their care.


A crucial partnership


As payment reform takes hold, advanced primary care organizations will soon pivot to models where they assume total cost of care for a population of patients. As they do, they will no doubt discover that MSK is routinely one of the three most expensive categories of care (along with cardiometabolic disease and cancer care). Partnering with a virtual MSK solution then becomes even more crucial.

Why? First, primary care physicians need to use their time and resources more prudently to optimally manage their patients with severe and costly chronic medical conditions. Second, in fully capitated payment models, primary care physicians must prevent their patients with low and medium acuity orthopedic issues from accessing care in the most expensive venues – emergency rooms and urgent care centers. Third, they need to avoid ordering unnecessary MRI scans and endless physical therapy visits without a diagnosis. And finally, they certainly don’t need to refer patients to orthopedic surgeons or neurosurgeons for minor MSK or spine complaints. It is well-known that a substantial volume of surgery being performed in the United States every year is both unnecessary and potentially harmful.


Effective for health and cost


Given the right tools and a virtual orthopedic partner, much of this unnecessary orthopedic spend can be reduced. In a pilot program with a large employer in Connecticut, Upswing Health’s virtual orthopedic solution reduced the overall utilization of MSK services by 38%, saving this employer almost $1,100 per engaged member.

What primary care physicians and their patients truly need is a virtual orthopedic partner for immediate access to care and to comanage their orthopedic problems. In this relationship, patients are assured that they are on the best pathway to recovery – from the start.


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