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New CMS amended review process

Did you know that CMS has a new amended review process?  Both parties can benefit from this option.

For example, what if the original MSA did not include a newly recommended and expensive procedure, or didn’t consider an admitted body part?  

Or perhaps an expensive procedure, such as a spinal cord stimulator, was done prior to settlement, and no longer needs to be part of the MSA.

CMS will permit a one-time request for re-review when the following criteria are met:

  • CMS has issued a conditional approval/approved amount.
  • The case has not yet settled as of the date of the request for re-review.
  • Projected care has changed so much that the submitter’s new proposed amount would result in a 10% or $10,000 change (whichever is greater) in CMS’ previously approved amount.
    • In order to justify that the projected care would result in a 10% or $10,000 change (whichever is greater), the submitter must return CMS’ Recommendation Sheet that was included in CMS’ conditional approval letter and identify the following:
      • Line items that were included in the approved amount, but are for care that has already been provided to the beneficiary.
      • References to records indicating that the care has already been provided must be identified and easily located in the updated proposal.
      • Line items for care that is no longer required with references to where replacement treatment can be found in the updated proposal.
      • If additional care is required that was not otherwise included in CMS’ conditional approved amount, line items must be added.
  • Additional documentation must be submitted:
    • A new cover letter
    • All medical documentation related to the settling injury(s)/body part(s) since the previous submission date
    • The most recent six months of pharmacy records
    • A new consent to release information
    • A new summary of expected future care.
    • In the event that treatment has changed due to a state-specific requirement, a life-care plan showing replacement treatment for denied treatments will be required if medical records do not indicate a change
  • Requests for changes to treatment plans will not be accepted without supporting medical documentation.

Other things to note:

  • The approval of a new generic version of a medication by the Food and Drug Administration does not constitute a reason to request an amended review for supposed changes in projected pricing.
  • CMS will deny the request for re-review if submitters fail to provide the above-referenced justifications with the request for re-review. Submitters will not be permitted to supplement the request for re-review, nor will they be developed.
  • When a re-review request is reviewed and approved by CMS, the new approved amount will take effect on the date of settlement, regardless of whether the amount increased or decreased.

We have the expertise to review your MSA and case files and determine whether or not an amended MSA review would be advantageous to your settlement goals.

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement? Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

Conditional Payment in Dual PI/WC Claims

If a claim involves both a personal injury (PI) and a workers’ compensation (WC) claim, is it possible to have conditional payments under each?  

YES!   This is important to note, because a conditional payment search through CMS under the workers’ compensation claim will elicit conditional payments which were paid by Original Medicare under the WC claim number, and there could be other conditional payments paid under the personal injury claim, a Part C (Medicare Advantage Plan) and/or a Part D (Prescription Drug Plan).  

Personal injury attorneys may not be aware that there could be separate conditional payments under varying Medicare plans from the PI claim that should be addressed prior to settlement.

On the workers’ compensation side of things, the WC carriers are typically involved in the conditional payment searches since they are considered the Responsible Reporting Entity (RRE) to CMS.  

However, Part C and Part D plans have their own conditional payment recovery process, and therefore, it behooves attorneys for the injured worker to make sure the carrier has run a complete conditional payment search to cover all applicable plans, which may change during the life of a worker’s compensation claim.

Both the WC and PI sides should investigate whether or not conditional payments apply, and determine how those will be approached at settlement.  Settlement documents for each claim should address how Medicare’s interests will be considered and protected, and if applicable, state how conditional payments will be handled.  

Further complicating a dual claim is that the WC MSA may include specifically denied items that the PI side alleged as related in their Life Care Plan/ future medical assessment.  

Therefore, it is important that the settlement documentation in a workers’ compensation claim accurately state the diagnoses being settled and the amount of settlement money that is allocated for future medical related to those diagnoses.

We specialize in helping you identify and accurately value future medical for admitted injuries, while understanding the exposure value of items and services that may be denied or excluded from an MSA in order to leverage that information to optimize settlement negotiations.

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement? Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

What to do with a Stale MSA?

When a proposed WCMSA amount has been closed due to inactivity for one year or more from the original date of submission, a full-file resubmission to CMS will be required.

However, not all is lost!  A stale MSA can be a great starting point for a future medical exposure evaluation.  Additional claims or formally denied care can be assessed for inclusion in an updated MSA, or used for leverage to optimize settlement negotiations.

There are also situations where an MSA was approved by CMS years earlier, but the case has still not settled. In this circumstance, we assess the claims and assist you in determining an effective course of action to posture the case for settlement.  For example, additional MSAs can be submitted if necessary for new claims that have been added, or if criteria are met, an amended review can be requested if Medicare treatment needs have changed.  

We can help you determine if it will be more effective to assess the exposure value of emerging items without taking additional procedural actions.

As with all our MSA reviews, we will also provide allocations for items not covered by Medicare and identify additional areas of carrier exposure to be considered for settlement.

Let us be a resource for you in deciding the most effective and efficient path to take when dealing with stale MSAs!

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement? Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

What’s trending in the MSA world these days?

CMS Guideline Updates:

  • CMS allows a one-time amended review when the allocation amount will change 10% or 10k, whichever is greater and other criteria are met (See our prior eblast and blog on Amended Reviews.)
  • Zero MSAs are no longer reviewed by CMS, and if you settle out on a zero MSA, keep the CMS criteria in mind and document appropriate language in your settlement docs (see our prior eblast and blog on Zero MSAs.)

New Trends by Carriers and CMS:

  • A new CMS trend is to include psychiatric care over LE in cases with diagnoses of PTSD or when the injured worker is on psychiatric medications.
  • A review of CMS “counter-higher” MSAs is showing a trend to also include Botox on a longer-term basis when indications for Medicare coverage are met.
  • If the injured worker has a diagnosis such as CRPS or another diagnosis that is typically not curable, even if it may go into remission, CMS often requires that care be calculated over LE, even if the primary treating physician limits care to a few years.
  • Under most circumstances, CMS will not consider IME, AME, or QME opinions regarding future care.  CMS gives primary treating physician (PTP) recommendations deference when allocating future medical.   However, the PTP recommendations must be consistent with the prior treatment history, and if not, are being carried out over longer periods by CMS if the PTP recommendations are inconsistent with the treatment records.  For example, a CRPS patient has been treated consistently for the most recent 2 years with pain management, orthopedic follow-ups, and regular medications.  At MMI, the PTP says future care is needed only for 1 year.  CMS has been sending “counter-higher” notices allocating treatment for more than 1 year, and often over LE, depending on the diagnosis covered in the MSA.
  • Trial medications, “take as needed” prescriptions, samples of medications, and weaning of medications can be problematic in an MSA if prescribed right before MMI, as CMS may choose to include these over LE.
  • Treatment plans that include admitted body parts in the same report as those not admitted under the claim (often seen in Kaiser and VA records), muddy the MSA waters and can affect future Medicare benefits.

As a result of the above trends, attorneys for injured workers should be prepared for more proactive “triage” endeavors by the carrier and MSA vendors prior to MMI or if an MSA is being done.  Carriers are taking a more aggressive and proactive approach when approaching treating physicians to clarify/exclude medications, surgeries, Botox, and other long-term care.  Sometimes it behooves the injured worker to also take a proactive approach regarding certain items. For example, they may agree that a certain trial medication is not working, and may choose to take a proactive approach by having a PTP provide clear documentation to remove an expensive medication from an MSA to facilitate settlement.  Or, if Botox is working, it may be important to make sure there is good medical documentation for continued injections.

Want to learn more? MSS can help attorneys for injured workers understand the implications of a “triage endeavor” and get an adequate assessment of future care needs based on CMS guidelines, along with additional carrier exposure to use as leverage for settlement negotiations.  

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement? Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

New CMS Reporting

Say goodbye to the $24,999.00 Settlement to Avoid CMS Involvement!

For years, parties sought to forgo Medicare involvement in settlements by closing out cases involving a Medicare beneficiary for just under the $25,000.00 review threshold.  

Reporting of workers’ compensation full and final settlements is now required for past or current Medicare beneficiaries, even in cases that do not involve CMS review or approval, including:

  • Settlements where the parties obtain a workers’ compensation MSA (WCMSA), indemnified MSA, evidenced-based MSA, or otherwise allocate money for future care but have not submitted to CMS for approval
  • Settlements where the parties provide a zero-dollar MSA
  • Settlements involving a WCMSA where the total settlement value does not meet applicable Medicare review thresholds for CMS submission
  • Settlements involving CMS approved WCMSAs

Therefore, it is now more important than ever to have an accurate assessment of future medical care costs, even on smaller cases!  It is essential to understand the reasoning for the determination of future medical value described in settlement documents.  Even with a zero-dollar future medical allocation, the parties should understand the verbiage and documentation for the zero allocation that will be reported to Medicare.  

Get peace of mind and accurate information by using Medical Settlement Specialists. We have assisted Applicant attorneys understand future medical exposure for over 25 years.  With our expertise in Life Care Planning, Future Medical Cost Projections, and Medicare Compliance, we provide a cost-effective and simple analysis for zero MSA and smaller settlement cases.

For cases requiring a more thorough analysis and workup, we will provide an accurate assessment of future medical costs along with additional information regarding carrier exposure to optimize your leverage during settlement negotiations. 

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement? Contact us for more information!

Questions about MSAs,  future medical cost projections/life care plans or posturing your cases for future medical settlement? Click here for more information.

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

Set Client Expectations!

Did you know?  A Medical Settlement Specialists Future Medical Exposure Evaluation is more than just a cost projection. It is a powerful tool that can assist you and your clients in a number of ways. 
 
Our reports are often used on smaller cases to set a reasonable foundation for settlement negotiations and client expectation management.
 
Check out this recent example…
 
FACTS:
 
Straightforward lumbar injury case, status post fusion.  Applicant at MMI, doing well, and back to work. No dispute regarding compensability, indemnity, or denied medical care.  Very limited future medical care was recommended by physician. The Applicant insisted they wouldn’t settle for less than $500k on the future medical side because their friend had similar issues and got more than that.
 
Carrier offered 70k for future medical. 
MSS valued future medical exposure at $115,000.00.
 
RESULT: 
 
Our client was able to educate the Applicant as to the reasonable value of the future medical claim with information supported by the medical record.   The Applicant’s expectations were reset.  Our client was able to confidently make a reasonable and supportable demand that resulted in an additional 15k at settlement!
 
A fantastic use of our report and a fantastic outcome for our client and the Applicant!

Click here for more information.

Schedule time to discuss how MSS can assist you this settlement season.

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

Did you know?

Medical Settlement Specialists works on cases of all size and complexity regardless of Medicare involvement.  Our analysis provides valuable information regarding the type of future medical care needed, costs of associated exposure and leverage points for settlement. 
 
We look forward to working with you!

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement?    Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

Proper understanding and valuation of Future Medical Care

Proper understanding and valuation of Future Medical Care is critical to the success of your settlement and for protecting Medicare’s interests when applicable.

Medical Settlement Specialists provides strategic Future Medical Exposure Evaluations. Using our services allows you to save time, easily assess case value, determine carrier exposure, and develop reasonable settlement strategies.

Our reports give you a cost-effective and easy to understand itemization of future medical needs and associate carrier exposure that is specific to the workers’ compensation industry.

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement?    Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

A Medical Settlement Specialists Evaluation will:

  • Identify and value future medical care requirements, including that which may be disputed or need further workup
  • Identify Medicare and non-Medicare covered medical expenses and provide proper allocations
  • Assist you in documenting that the interests of your client and Medicare have been considered on cases where an MSA will not be submitted
  • Offer medical evidence to support your position, based on state and Medicare guidelines
  • Enhance your understanding of the medical strengths and weaknesses of your case
  • Assist you in understanding the difference between the Applicant/Defense cost projections
  • Save you and your staff time

Do you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement?    Contact us for more information!

Our step-by-step process to get MSS working for you couldn’t be EASIER:

  • Use our client portal at medicalsettlementspecialists.com to 
    complete a case intake form and upload documents.
  • On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
  • Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!

What do we deliver?

What do we deliver?Strategic Future Medical Valuations on cases of all sizes for use during case planning and settlement negotiations regardless of Medicare involvementValuations supported by Medicare and/or state guidelines Support during settlement proceedings/mediation Bulk settlement capability (multiple cases with same carrier/defense – “Settlement Days”)Alliances with other consultants to offer a wide range of settlement options for structuring and custodial account managementPeace of mind – our services provide information that contributes to your ability to know the medical facts of your case, educate your clients accordingly, and document the responsibility and care exercised in assessing the medical value of the claimDo you have questions about MSAs, how to value future medical care or posturing your cases for future medical settlement?    Contact us for more information!
Our step-by-step process to get MSS working for you couldn’t be EASIER:
Use our client portal at medicalsettlementspecialists.com to complete a case intake form and upload documents.
On our intake form, tell us your settlement goals (for example, understand the medical exposure, help educate your client regarding their potential risks/benefits of settlement,  review an MSA for accuracy, identify non-Medicare covered items, review contested body parts that may be related, etc.)
Once you receive your draft report, schedule time to learn the best ways to utilize this powerful TOOL we have built for you!