HEALTH CARE SELF INSURANCE 2013
How to determine if your company should become self-insured? Add up the premiums your company paid to insurance companies for the past 5 years. Subtract what the insurance companies paid out in losses for the past 5 years. If the insurance company collected more premiums dollars than they paid out, your company is a candidate for becoming self-insured. Regardless of the new laws that may pass, we have better answers to the health care crisis .
THIRD PARTY ADMINISTRATORS
ICC takes your investment seriously in handling Third Party Claims.
Call ICC For your Third Party needs. 1 (316) 683-0170
Insurance Claims Consultants, a multi divisional company, provides third party administration services for self-insured companies. ICCs technological approach provides the worlds most efficient optimization technology for claims processing. Our solutions are designed for a range of claims including medical health claim benefits, life, property, casualty, workers compensation, professional liability, and others. ICC solutions help uncover hidden service delivery capacity, reduce costs, and improve services.
Within any organization the effective use of resources are paramount to the development of profits and continued growth. With the ever increasing application of the Third Party Administration the ability of an organization to separately function, independent of an insurance company has proven to be a successful alternative. Consider using a TPA
ICCs purpose is to provide an innovative solution to third party administration services. Within any organization the effective use of resources are paramount to the development of profits and continued growth. With the ever-increasing application of the Third Party Administration the ability of an organization to separately function, independent of an insurance company, has proven to be a successful alternative. The advantages of using an external Third Party Administrator are:
(a). The cost of a third party administrator is less overhead expense than paying an insurance company. (b) Immediate access to highly trained highly efficient professional people. People that are experienced -eliminating the costly introduction and training curve that is inherent to the introduction of an internal department. (c) People that are motivated to perform at peak proficiency, immediately and continually. (d) People that are not "ON THE CLOCK" and are paid for only what they produce - eliminating costly down time. (e) Expenses directly related to productivity and chargeable directly to specific problems, costs, or incidents.
There is a simple choice when keeping cost to a minimum: Consider the technological approach with ICC, THE experts in Administrative Claims.
ICC has taken on a more conservative business philosophy.
ICC believes the more you educate employees about workers' compensation claims and injuries the less attorney involvement. Some states have passed laws to simplify workers' compensation on scheduled type injuries. This has had some effect in reducing moral and morale hazards, resulting in lowering workers' compensation premiums for some employers. However, this has not gained the confidence of the injured worker.
ICC has helped companies save millions of dollars by providing a simplified claims program so that the injured employee would understand the workers' compensation claims process and to create a better relationship between the injured worker and the employer.
ICC 's programs are designed to educate the injured worker, which would again eliminate the moral and morale hazards - reducing undue legal and medical costs to the employer.
ICC was founded on the philosophy that after working for major insurance companies that the employee did not understand the workers' compensation process. This lack of knowledge promoted attorney involvement, thus creating higher settlement costs which a greater portion went to legal fees and medical providers rather than the injured worker. Under our administrative program the injured worker is able to settle his/her claim quicker and place more money in his/her pocket, rather than in legal and medical fees. This results in a direct savings to the self insured.
ICC handles all areas of your administrative needs, not just workers compensation. We provide services in medical billing, medical audits, casualty & property claims, risk management, safety inspection, business interruption as well as health/medical benefits under the ERISA Act. These benefits are paid for health related sickness, injuries, illness, and accidents that are separate from workers' compensation injuries.
Our subrogation department has been very successful in the subrogation of costs paid out in workers' compensation claims and health benefits paid to the injured worker when a third party is responsible for the injuries.
Under the Federal ERISA Act state laws regarding subrogation rights are preempted by the ERISA Act, allowing the self insured to recover 100% of their subrogation claims.
With the ICC program this initiate a savings for your company.
The services that ICC provides are comprehensive and affordable for the self insured.
When injuries occur, ICC is at the accident site to perform a thorough investigation of an injury, whether it is in the work force or outside the work force - involving and automobile accident.
As your administrator, ICC pays for claim related to the injury or sickness and only what the claim is worth NO MORE NO LESS.
with ICC your company knows what they are paying for and why
1) Accident Reconstruction
We provide a comprehensive detailed reconstruction of the accident. This includes introductions, summaries, conclusions, exhibits, photos, medical review, medical illustration of injuries, medical records and notes, physicians notes, police reports, photos of the damage, recorded statements, interviews, and scaled drawings.
2) Injury Reconstruction
In our Injury Reconstructions we prepare a comprehensive and detailed report. This report will include introductions, summaries, conclusions, exhibits, appropriate photos of where the injury took place, medical review, medical illustration of the injuries, illustrations of the medical procedures, recorded statements, interviews, and scaled drawing.
3) Medical Review
Our Medical Reviews are professionally prepared and presented. Our Medical Reviews take the complicated language of the medical profession and make it understandable for insurance companies, courts, arbitrators, mediators and employees. We incorporate medical illustrations and photos of the injury and of the medical procedures. These medical reports explain in detail what happened to cause the injury, what the injury consisted of, what is currently happening with the injury, the medical procedures for the injury, and the future problems with the injury. We also delve into the considerations of pre-existing conditions, aggravation of pre-existing conditions, and activation of pre-existing conditions.
4) Subrogation and Arbitration
ICC provides services in Subrogation and prepare arbitration arguments to be heard by inter-arbitration insurance panels.
5) Subrogation under ERISA
ICC provides services to Self-Insurers under the ERISA act who are entitled to subrogate their loss against a third party tort feasor.
6) Expert Testimony and Expert Witness
When you use our services, we will provide you the option of using our Expert Testimony and our Expert Witnesses.
ICC provides a Loss Control and Safety program that is designed to reduce the frequency and severity of accidents in the work force. Our programs go beyond OSHA and ADA requirements in that our programs are designed to save the company money by reducing injuries in the work force.
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legal notice* Insurance Claims Consultants® is our company's registered trade name and is not permitted to be used by any other company. An ® following our name indicates the trademark name has been registered in the US.