Appeals and grievances in healthcare constitute a vital aspect of an insurer’s responsibility, ensuring patients receive the care they need and deserve. The effective, timely and equitable redressal of appeals not only elevates member and provider satisfaction but also contributes to long-term member retention. For Medicare Advantage plans, prioritizing the appeals and grievances process is paramount as it directly impacts their Star Ratings, which, in turn, determines reimbursements, bonus payments and, ultimately, their top-line revenues. Moreover, the process is subject to stringent regulations and close monitoring by the Centers for Medicare & Medicaid Services (CMS), with non-compliance leading to monetary penalties imposed on health plans.
According to a recent CMS report, a substantial 18 percent of in-network claims face denial, and providers are intensifying efforts to challenge these denials, foreshadowing a future increase in the volume of appeals that health plans must manage. For health plans, a high overturn rate at secondary / tertiary levels, particularly at Independent Review Entities (IREs) or Administrative Law Judges, draws regulatory scrutiny toward systemic and administrative issues.
While the significance of an effective and efficient grievances and appeals process cannot be overstated, it is equally important to acknowledge the challenges that healthcare payers confront today. This blog delves into some of these challenges and proposes viable solutions.
Business Challenges & Solutions
- Unified desktop to address disintegrated systems: Resolving appeals necessitates extracting and processing data from diverse, disconnected and legacy systems, posing difficulties and consuming valuable time for agents. To overcome this, the unified desktop solution consolidates all essential information into a single interface, significantly enhancing agent productivity.
- OCR for paper-based appeals intake: The appeals intake process is predominantly manual, with appeals received through fax, snail mail, e-mail and calls. Implementing Optical Character Recognition (OCR) alleviates manual efforts involved in keying in appeal forms.
- Intelligent automation to streamline manually intensive processes: The appeals process involves many activities, including intake, triage, launch and resolution. Robotic interventions during launch, resolution and closure activities can significantly boost operational efficiency. Additionally, automated routing of appeals based on skills and priority further enhances efficiencies.
- AI interventions to improve process effectiveness: Artificial Intelligence (AI) interventions to predict appeals resolution, anticipate change in appeals volume and alert appeals agents on similar appeals in the queue and guided workflow to recommend next-best actions will improve efficiency and process effectiveness.
- Customized workflow for the appeals process: Given the various roles involved in the appeals process, including intake and triage, launch and preparation, clinical decision-making, final resolution and correspondence, numerous handoffs become inevitable. This is particularly true for clinical appeals where cases are not adequately prepped (clinical return). A customized workflow effectively tracks appeals throughout their life cycle and reduces the number of handoffs involved.
- Operational tracking and monitoring: Efficient tracking and monitoring are imperative, especially when stringent Service-level Agreements (SLAs) govern the launch and closure of appeals, encompassing different appeal types (provider / member, expedited / regular, pre / post-service and clinical / administrative). Appeals reporting tools that provide real-time visibility into appeals inventory are essential for meeting these demands.
- Automated reporting for regulatory compliance: Regulatory compliance in terms of timely resolution and reporting becomes challenging because of scattered information, lack of auditability and difficulty in policy enforcement. Customized workflow with auditing features and out-of-box regulatory report creation helps address these challenges.
- Pre-configured templates & RPA for faster correspondence cycle time: To reduce delays in appeals closure caused by untimely processing of correspondence letters, pre-configured letter templates and robotic interventions for generating rule-based correspondence letters are crucial.
- Appeals analytics for actionable insights: By identifying gaps in upstream processes like claims, benefits and provider contracts, appeal analytics provides actionable insights to help reduce appeal rates.
Key Benefits
Adopting a comprehensive transformation approach yields breakthrough savings for health plans. Some of the direct benefits include:
Conclusion
In conclusion, a structured and efficient appeals and grievances process is a cornerstone of any successful health plan. Health plans can markedly enhance member satisfaction, ensure unwavering regulatory compliance, optimize operational efficiency and mitigate risks by recognizing the paramount importance of appeals, proactively addressing associated challenges and implementing suitable solutions. Prioritizing continuous improvement and embracing technological advancements are pivotal in achieving optimal outcomes, bolstering reputation and delivering high-quality patient-centered care.
To learn how WNS can help you transform the medical Appeals and Grievances process, talk to our experts.