This blog is about my College experiences, struggles and accomplishments. It's simply my inner thoughts, feelings and opinions. It's reality, it's truth, it's honesty. My goal is keep it simple and funny. This is not a formal literature paper, it's my journal. I personally dislike reading. For this reason, I tend to put myself in a reader's position when I write. I have to warn you I'm not a writer! You have sacrificed your time to read my blog and so with honor, I welcome you to my life.
Sunday, September 8, 2013
Life at Blue Cross (BCBSMA)
Stephanie on the other hand has a twin who went to Stonehill. I swear Blue Cross is being taken over by Stonehill College. It's also a huge family business. Everyone and their Grand parents, Cousins, Aunts, Uncles, Moms and Dads work there. But you know what they say, it's not about what you know, it's about who you know. Going back to Steph, she is one of the smartest people I've ever worked for. Every question lead to another question. My mind was blown away every time I had a conversation with Steph, no exaggeration. She is an expert at what she does. She is also one of the toughest people I've ever worked with. Like I said to her in my thank you letter, I haven't been that challenged by anyone in my life and I meant it. My high school Wrestling coach transformed me into a decent Wrestler in a very short period time and is known for being one f the toughest coaches in the state; but he has nothing on Steph. She had high expectations and meant business. Although she was so tough on me, and I wish I had a more low key leader sometimes, I couldn't have asked for a better supervisor. She has been mentored by great leaders like Steve Moorehead and all she wanted to do was pass that down to me. And that is an honor. I can only get better from here. I'm not going to say much about how much she thought me, read my journals and you will see exactly what I mean.
Week 1: June 3-7, 2013
I learned the difference between HMO and PPO. A member under HMO has a PCP within the health plan’s network. A member has to be referred by a provider. HMO service is managed care and is overall cheaper than PPO. As a PPO member, you have a network of doctors to choose from. Because it is not managed care, it could get a little expensive for the member. As a result, the contracting is in the process of creating a more efficient system. The name of the project is the PPO Reform. I am also becoming a little more familiar with the PCP Attribution. Members are attributed to a specific provider monthly or annually base on claim history. I learned that a claim is written after member’s visit to a provider. Within the Networking team are the analysis team who does more of the prep and creating of the contract and the negotiators who actually do the negotiating with providers. In my opinion, the main objective of networking contracting is to find efficient ways of improving the quality of healthcare. Because of my back ground experience in data entry and inquiry cards at Stonehill’s admission, I was able to adopt to Treo Analysis a lot easier. Seems complicated at first but all it took was playing around and familiarizing myself with it. The hour and a half-ish explanation on what Treo is, what is does and why we use it definitely made it easier. As of the excel portion, I did have a very basic background knowledge so pulling the data wasn’t much of a problem. The calculations I am currently working my way around. Much like the Treo Analysis, it seems complicated but I know I will overcome it eventually.
PPO Attribution & Reform: PPO Attribution relates to members while PPO Reform has to do with providers and the payment process. PPO members are attributed to a provider Organization aka a provider’s network or group once a year. This attribution process is done from patient’s claim history; recent physician visit, physician visited most frequently, etc. Patient data must be disclosed to assign PCP to facilitate & coordinate care. Members have the right to change their PCP after attribution. A physician can not decline or reject a member’s data. The official term is “cherry picking”. Cherry picking is a big no no in the healthcare industry. There are laws that protect members from being victims of cherry picking. Providers can declare a closed panel, but can not accept other patients after declaring a closed panel. A letter is sent to a member I think ever time their information or medical file is shared with a new provider or Provider Organization (PO). A provider is ineligible for attribution if he/she is deceased or retired. The question that’s up in the air right now is; Do “we” the team has to notify a member every time they attributed?” There are 3 options:
Every work day here in the Contracting department is a learning experience. There hasn’t been a day where I haven’t learned anything new, especially during conference meetings. Monday’s PCP Attribution meeting went great as usual, mostly because I’m starting to understand the language and the overall objectives of the project. The main focus of the meeting was the PCP Attribution letter update. The letter is broken down into several parts to avoid confusion or frustration for members. The first paragraph summarizes the purpose of the letter which is; to assign members to a PCP to help ensure member access high quality healthcare. The letter then provides members a link for further information on Chapter 224 Acts. The second part of the letter talks about the member’s coverage (PPO). The information established that there will be no major changes to the plan. The third part elaborated on the Primary Care Physician while the last section stresses the sharing of member’s information. The key point in the sharing of information is that only CERTAIN information will be shared. Meaning relevant information (doctor & hospital visits, medical conditions, prescriptions), not member’s medical history. The letter is estimated to go out in December 2013, but before then, Accounts, Brokers and Physicians will have to be notified. The process of notifying Accounts, Brokers & Physicians will take place in November. Members will be notified four weeks before the letters go out. One of the major reasons Physicians are notified before the mailing of letters is to prevent phone calls from random members stating they have been attributed to a Physician who may not have their data. Members can of course opt out of the attribution or switch physicians. The deadline to opt out of attribution hasn’t been established. The only major change that was brought up was regarding the language in the first paragraph about the law (CH 224). “Mass law requires that we assign…..” It was brought up that we (contracting team and other departments involved with PCP Attribution) have to be mindful of the language because the intention for the Attribution is for the PPO Reform and not Chapter 224. Relevant changes are currently being made.
In my understanding, the Case Agreement Contract is an agreement between Blue Cross and Providers for out-of-network services. Members are no longer charged for balance bill because majority of members can not afford it. Blue Cross Networking Contracting team then negotiates with the Providers to lower the charge. Sometimes they come to an agreement and in some cases they don’t and Blue Cross has to pay the full amount. I was given access to the hard documents and excel spreadsheet. In the file is the contract along with the dates it was complicated, the contract leader’s name, the provider signature, and the Contract Director and VP’s signature. The excel file has more specific details on the contract and it is of course well organized. It includes Provider’s name, date of service, patient’s name, charges and more. My job was to determine if the contracts were available or not. I was to type “Yes” or “No” under the contract column. The next step of the project is to track down each missing contract, create a new spread sheet to filter out those that are missing and eventually scan each document and save it to the appropriate folder.
As of today Friday the 19th, I’ve been associated with Blue Cross for about a month, two weeks and two days; realistically only about five weeks because of the week and a half I had taken off for Peer Mentor commitments. Looking at the calendar, I have exactly five weeks left. It feels like yesterday when I had my orientation. Although I’m only half way into the internship, I’m thinking about the possibilities of returning in the winter after my abroad experience. My goal for the next half on the internship is to go the extra mile, and establish the relation that’s required to become a returning intern. Network Contracting is my first internship and I am fortunate that it is within a company I’ve always dreamed about working for and a department I can see myself working with in the near future. Not many students get to find a dream job on the first try. One of my major goals during my internship search was to get an experience in a healthcare environment. Unfortunately none of the internships I intentionally applied for had the combination of providers and patients. I could have gotten that experience in a hospital setting but I didn’t apply to hospitals because of lack of experiences. Now here I am with network contracting, a department that works with providers and members. I could not have asked for a better opportunity.
The term roaster was also through around a couple times. It was brought up that a member roaster will not be shared with a provider unless it is in the contract? It was also said that no roaster will be provider unless a member take the letter into the physician’s office and say I’ve been attributed. Here are the two options in this case: We can confirm if there is a match up or if the information is accurate
What I learned:
Member Services Tour
Week 7 (29-2)
What I learned
Overall Thoughts:
The Marketing presentation was by far my favorite of the College Development presentation. These presentations are meant to give us, the interns a better understanding of the company and the other departments that are available. The presentation covered all aspect of the company. From the company’s mission at a higher level, to the Marketing Department’s guiding principles, the Brand, customers, its financial status and job opportunities.
What I learned
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