Types of Insurance Plans In the Insurance Plan edit window, there is a Plan Type selection at the lower left. The options for plan types are as follows: Category Percentage This can also be used for PPO plans if you do
not wish to track writeoffs. It can be a simpler approach than
the PPO Percentage type discussed below. Set the Insurance Plan
fee schedule to be the fee schedule for the PPO. The fee for each
procedure will then be the PPO fee instead of the standard office
fee. One disadvantage of doing it this way is that the patients
will not be able to see the standard office fees, and they may not
be aware that a discount is being given. In order for standard
office fees to show on the insurance claim, check the box for "claims
show UCR fee..." It is always recommende to bill insurance compa nies
with the UCR fees for the practice. Advanced usage 'allowed': An allowed Fee Schedule can be used to get more accurate estimates. If you know the UCR fees for a plan but you are not contractually obligated to follow them, then you can use the allowed fee schedule in addition to the regular fee schedule for the plan. Set up a new 'allowed' fee schedule with the UCR fees for that insurance plan. In the Insurance Plan edit window, set the main Fee Schedule to your standard fee schedule and set the Carrier Allowed Amounts to your newly created fee schedule. All fees will then show as your standard fees, but when calculating estimates, the allowed amount will be used in the ClaimProcs window. Percentages will be based on the allowed fee schedule. If the published fee schedule is showing exact amounts that will be paid, then set percentages for all categories to 100%. When using an allowed fee schedule, the patient will still be responsible for any extra amount that your office charges above the published fees. This process can be automated using the Blue Book feature. Advanced usage 'co-pay': Not typically used for this type of insurance plan. PPO Percentage The standard fee for a PPO plan is pulled from the fee schedule for the provider assigned to the patient. If the standard fee for the provider is lower than the PPO fee, then the PPO fee will be used. When using a PPO plan type, you don't have to worry about checking the box for "claims show UCR fee..." because they will already be showing your UCR fee. See Reports Setup for information on the Default to using Proc Date for PPO writeoffs option. This is important if you are using a Lock Date in Security. Advanced usage "allowed": Not used for this type of insurance plan. Setting an allowed fee schedule will have no effect, because the PPO mechanism is already internally making use of allowed fees. Advanced usage "co-pay": If you also have a copay amount that the patient is to pay for each procedure, then you may set up a co-pay fee schedule. In this case you will generally set all the percentages to 100% so that everything above the co-pay amount will be calculated as the insurance portion. Percentage calculations will still be performed on the remaining amounts if they are not set to 100%. If you only have the insurance co-pay fee schedule available rather than the patient co-pay amounts, then you will have to subtract to obtain each fee in the co-pay fee schedule. There is an option in Family Module Setup to let you select how blank co-pay entries are handled. They can either be handled as if they were zeros, or the patient can be responsible for the remainder when a blank co-pay amount is encountered. Medicaid Per-visit patient co-pays are covered on the Benefit Info page. If you wish to track your Medicaid writeoffs, then set up the insplan as a PPO type. The Medicaid type described here does not generate trackable writeoffs. Advanced usage "allowed": Not used for this type of insurance plan. Advanced usage "co-pay": If you also have copay amounts that the patient is to pay for some procedures, then you may set up a co-pay fee schedule. This copay fee schedule can have just a few fees on it, with the rest blank. If you only have the insurance co-pay fee schedule available rather than the patient co-pay amounts, then you will have to subtract to obtain each fee in the co-pay fee schedule. Capitation In the rare case that you need to bill insurance, select the procedure from the Account module and then click the Ins Claim button. Before sending the claim, change the fee billed to the amount that the carrier is required to pay. Change the estimate to the same amount, then send the claim. Because the claim is for a capitation insurance plan, the amount expected from insurance will not be applied to the patient balance. This section is very technical: When the claim comes back, do not enter the payment within the claim. You could enter a note describing the payment if you wish. The payment itself will be recorded in the dummy patient for the carrier as explained below. To enter the monthly payments as they come in from the carrier, create a dummy patient with the same name as the carrier. Apply all payments to that patient as patient checks. That way, they will show on your deposit slips. Functionality will later be added for better handling of capitation payments. The utilization report can be run at the end of each month from the Main Menu under Reports, showing a list of all procedures performed for capitation along with the UCR fee and the patient co-pay. Advanced usage "co-pay": If you have a copay amount that the patient is to pay for each procedure, then you may set up an copay fee schedule. This copay fee schedule can have just a few fees on it, with the rest blank. The copay amount would be used in the ClaimProc window. Other Situations HMOs with supplemental payments and copays (very common in Texas) If you have entered this as Capitation with a Copay fee schedule, you can fix it by following these steps: 1. Go to Lists>Procedure Codes and click the 'Fee Scheds' Button. Add a 'Normal' type fee schedule with a similar but not identical name to the existing 'Copay' tyep fee schedule. 2. Put the fees = to the Copay fee+ supplemental fee for each procedure into the new 'Normal' Fee schedule. Make sure to enter 0 for all fees where there is no supplemental fee nor a copay. 3. Open each corresponding plan, switch fee schedule to the new 'Normal' Fee schedule, change plan type to PPO % from capitation. 4. Set benefits to 100% for all benefit categories. PPOs with fee schedules that change after first year
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