Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Monday, June 25, 2012

One More Source of Healthcare Expenditures–Hiring “Experts” to Help Hospitals and Providers Document and Code As The System Complexities Grow for Reimbursement Leaving the Clinical Side Behind With Priority At Times With Patient Care

In reading this article, this is what is happening now as folks are calling in the “consultants” who they have to pay to teach the doctors,image nurses and others on staff how to document so claims are paid correctly and promptly.  Who pays for this, the hospitals, so one more expense coming on board for many hospitals that are already financially strapped.  This is kind of a catch 22 item as if they don’t invest they run the gambit of lower compensation and on the other hand they also look to make sure the hospital is not over charging. You wonder sometimes when you read about all these “fines” that hospitals pay for billing errors, is the hospitals no coding right or is it the software and lack of education rolled in there?  Sure there are the obvious cases but each case is it’s own.   You can even buy a shirt that says don’t bother me, I’m coding. 

Some insurance companies, like United Healthcare also created their own clearinghouse subsidiary to audit the bills before they are sent on.  Most providers today do use some type of clearinghouse to check their work for accuracy and with a clearinghouse subsidiary it’s a bigger piece of the pie for overall corporate revenues as this subsidiary servers to generate revenue by subscriptions whereby the hospitals pay for this service, so they could end up with 2 legs of the process here with medical billing with clearinghouse services subsidiaries that check for accuracy before it hits their claims processing.  United has so many subsidiaries anyway though and have recently hired former Minnesota Assistant Attorney General as general counsel as well as hiring the former HHS executive created most of the provisions of the healthcare law.



OptumInsight (A Wholly Owned Subsidiary of United HealthCare Optum Division) Creates Medical Clearinghouse Integrated With Epic Practice Management Software-Subsidiary Watch

US Health Insurance Regulator Leaving to Take a Job at UnitedHealth Care As Vice President of the Optum Division – Moving to the “For Profit Side” With Business Intelligence Algorithm Dollars To Review

 


Meanwhile back at the ranch, HHS Secretary Sebelius is counting on algorithms only while the powerful folks formerly imagein government leave and move over to the “for profit” side and they will have an advantage for sure at United as these folks bring with them knowledge as to how the government operates or doesn’t operate on the other side.  This kind of reminds me of the PBS 4 part documentary to where they spoke with former brokers who made a lot of money and they all admitted they were given the tasks to “find loopholes” so they could make even more money.  Watch this PBS 4 part video series on Wall Street


HHS Secretary Sebelius Still Looking for Tech Breakthroughs To Save the Day

So the long and short of this is more training of doctors and nurses with additional expenditures to create faster claim processing for the hospitals while the bottom line of insurers’ subsidiaries continues to grow.  No wonder medical records are taking on a new reputation as they are now being created for the benefits of compensation rather than clinical care. 

There was an article on the web this week that more doctors are using electronic medical records and liking it less, and this kind of tells the story why as now we have yet one more layer of expertise to use and pay for to make all of this happen, and the payers benefit, not so much the patients for the most part.  BD 



When it comes to patients getting an error-free medical bill, the name of the game for doctors and hospitals is documentation.

That's because if the care isn't recorded and well-documented while it's being provided, insurance companies and federal payers will ask for more information later. Payment for services slows down, and chances for mistakes skyrocket.

That can mean checking that seemingly obvious details are recorded. For instance, each time a nurse starts an IV, she must write it down because there is a charge for the equipment used, Bauschka explained.

That chart -- whether it is electronic or paper -- is also key for the coders, who translate the care documented on the chart into billable codes, said Kathy DeVault, director of professional practice at the national industry organization American Health Information Management Association.

Many health systems and doctors' offices struggle with documentation because of a lack of staff training, DeVault said, adding that "what seems very simple from the outside looking in, is very complex."

http://www.cleveland.com/healthfit/index.ssf/2012/06/many_providers_turn_paperwork.html

Accretive Health Fails to Adequately Respond to Congress And Loses Contract with Second Hospital–A Total of Nine Notebooks Were Stolen or Missing

This keeps getting uglier and when you look at it, it was the business intelligence algorithms that drove all of this as that is the way to profit and make money.  Now there’s nothing wrong with that if you are ethically doing business, but as you read in the news, we are all of sudden finding a entire slew of folks who are not, surprised?  You shouldn’t be as this has been going on a long time but as folks getter smarter about the methodologies that have been used for a number of years, it’s all coming out.  Sure someone can like their business algorithms but if ethics are compromised in the act then what do we have?  Maybe I should ask someone on Wall Street about that while I’m at it.   What started all of this..a stolen notebook that shows their lack of ethics and HIPAA violations. 

Accretive Health Debt Collector Employee Has Laptop Stolen With Non Encrypted Patient Data from 2 Hospitals And Had Access to All the Data Via Revenue Cycling - Patient Information Was Shared With Wall Street Investors – Algorithms For Profit Again?


I wrote a post about 2 years ago on this blog in jest but I think it’s true now that “data addiction and abuse is the up and coming next 12 step program on the horizon”.   We need somewhere to rehab the folks that have this issue and look at the big Oncologist in the OC who did it for years with fraud, he said he couldn’t help himself and he was addicted.  Accretive though goes beyond addiction though and this is all about some marginal pay for performance incentives too.  Nobody is going to collect in fashions they have unless someone is waiving a dollar under their nose.  Maple Grove hospital has now cut them off as well. 

We also have some new information herenot oneimage but nine notebooks were stolen so nine times the potential exposure possibly, depending on what they were carrying around.  The Vice President of the company left a non encrypted laptop with around 24k patients' information on the computer, gee and we wonder why executives are kind of useless today, but you could almost be he preaches to employees NOT to do this:)  This was also Chapter 28 of my Attack of the Killer Algorithm series. 

Accretive Medical Collections and Analytics Cited by Minnesota by Attorney General For Collecting from Patients At Bedside and Worse–Employees on Pay for Performance Too? Killer Algorithms Chapter 28

It looks like they are somewhat ignoring Congress too.  BD



In a letter sent to Accretive Chief Executive Mary Tolan, U.S. Rep. Henry Waxman and U.S. Rep. Diana DeGette said a public statement that the company had provided the U.S. House's Committee on Energy and Commerce was "not an appropriate response" to a request for internal documents.

The congressmen also said Accretive had ignored repeated efforts to reschedule a May 4 meeting between the two sides that the company had earlier canceled.

http://in.reuters.com/article/2012/06/21/idINL3E8HL5FL20120621

Sunday, June 24, 2012

HMOs in Israel Score a Judicial Win Over Formulas Used For Funding–State Has 6 Months To Create New Methodologies to Measure and Project Medical Costs–HMOs Anticipate Greater Funding To Arise

Sometimes it’s interesting to take a look at what’s happening in other countries relative to the rising cost of healthcare and when you read this it’s apparent that this is not only an US problem.  Granted Israel is a much smaller country but the problem are the same, money or lack of.  Just a couple months ago, doctors who work for the state received an order that they needed to punch a time clock.  How would that work in the US…I don’t think it would accomplish much here. 


Israel Judge Issues Court Order For Doctors To Punch A Time Clock


To go a little further here, the country also realizes that allowing private care and selling supplementary insurance contributed to the problem.  The country has 4 HMOs and all are required to join one of the four and there’s always the option to pay for private care.  Some of the same doctors working in the government facilities have referred patients to their private practice or those of other doctors.  The government pays $59% of the cost for the imagecitizens, the lowest compensation percentage for a country with socialized medicine.  If you read further, the doctors are threatened with losing 20% of their pay checks.  The government pays $59% of the cost for the citizens, the lowest compensation percentage for a country with socialized medicine.

Officials In Israel Blame Themselves for Allowing Private Care and the Selling Supplementary Insurance For Degrading Their Public Healthcare System

In addition medical students and state doctors have ongoing protests and strikes to draw attention.  It sounds as if the HMOs could stand to see an influx of funding.  Technology is great but we still need the over all doctor-patient relationship. 
Medical Students and Doctors Protest in Israel Demanding Improvements in the Healthcare System

Two of the largest HMOs filed their complaints 9 years ago questioning the lack of hospitalization not being included. The court will not be creating a formula, but rather told the state and the HMOs to settle it.  Does this sound a bit similar to what we have in the US?  I think so and the cost of healthcare is a global concern for all economies.  BD


 

The High Court of Justice handed down a major decision on health care funding Thursday. It took the state to task for inadequate government funding of the country's health maintenance organizations due to the formula through which it funds hospital stays by the HMOs' patients.

"The right of the citizens of the State of Israel to health [care], as shaped and enshrined in the state health insurance law, is slowly being emptied of content in light of the systematic erosion of the health maintenance organizations' budgets," Justice Salim Joubran stated, ruling on a petition filed by the Clalit and Maccabi HMOs.

The HMOs were challenging the mix of components the government has been using to calculate the cost of medical care. They said it did not accurately reflect the cost of hospitalization and, in the process, was eating away at their budgets.

Justice Joubran, who was joined in the ruling by Supreme Court President Asher Grunis and Justice Hanan Melcer, gave the state six months to come to an agreement on a new method of measuring medical costs. In the process, the state is expected to provide the HMOs with hundreds of millions of shekels in additional funding each year. If adjustments were to apply retroactively, the sums would be in the billions of shekels.

http://www.haaretz.com/business/hmos-to-receive-huge-cash-injection-after-high-court-rules-against-state-1.443423

Attack of the Killer Algorithms–Digest & Links for All Chapters–How Math and Crafty Formulas Today Running on Servers 24/7 Make Life Impacting Decisions About You–Updated 6-24-2012

If you have not caught up with this yet, I started this series by accident as an awareness outreach, I know just like everyone else has out there, but having been a former software writer, hopefully some of this will explain in layman’s terms how some of this works behind the scenes it may offer some answers.  It’s not going to make you happy but it will open your eyes as to how the world of technology functions today with decision making and perhaps give you an idea of where it’s headed too.

I like technology and how it makes me smarter and more observant but as with everything today, there’s the dark side of how formulas and math are used for profit with some very intelligent and crafty programmers and developers out there and we get fooled.  Everything in here is all public knowledge so there was no digging for any exclusive interviews and so forth, just stuff you can find on the web as well and I’m just connecting some “big dots” to where you may not see this otherwise. 

This blog can be a source of discomfort at times as along with years ago in learning about math, code and formulas, it transitioned me into something very scary indeed, a female that uses logic <grin>. 

So if you have wondered why the Medical Quack is different, there you have it and I have to laugh at myself too as I never intended to become logical and think back quite bit of the days before logic entered the picture and those are some fine memories too.  So there you have it, what’s wrong with this blog…<grin> a female using logic.  I have also been pondering this question since August of 2009….this is a “one duck” think tank <grin>.

 
“Department of Algorithms – Do We Need One of These to Regulate Upcoming Laws?

So without further chat, here’

  

s

  

the Attacks as I see them as it’s all in the math and formulas…Nothing will happen until new code runs through those servers and I feel this is truly the backbone of what started the “Occupy” movement, frustration and nowhere to go for answers as we have leaders in denial that don’t have a clue of how all of this works.   Today I am adding 5 more chapters since the last update. BD


Occupying Wall Street–It’s All About the “Attack of the Killer Algorithms”–The Unfair and Marketing Exploit of Ethics Using Math–This Could be a Subject for Michael Moore to Explore and Document In a Movie

 
“Killer Algorithms: Part 2” Disturbing News for Consumers With Credit Scoring Adding New Data Analytics–Some of the Same Methodologies Used by Insurers With Flawed/Potential Erroneous Data–One More Reason to Continue Occupying Wall Street


 
“Attack of the Killer Algorithms” Part 3–Vatican Doesn’t Like It Either–Occupy Wall Street Belongs in New York As They Don’t Do Code or Algorithms in Washington–Only Find time To Talk Abortions


 
Attack of the Killer Algorithms-Occupy Wall Street Part 4 Health Insurance Style - One More App For Folks Who Are Tired of Flawed Algorithms That Require A Ton of Work and Research Time To Create “Perfect” Data Files for Insurers And Others Analytics Processes

 
“Occupy Algorithms”–”The Attack of the Killer Algorithms Part 5” - Nothing Will Improve Until Audits and Actions Takes Place To Correct Formulas Built for Profit Only by Corporations And We Battle Back With Math

 
Attack of the Killer Algorithms Part 6–Discrimination With Consumer Credit-Same As Health Insurance Wanting Consumers to Reconstruct Records From Many Years Past As Middle Class Turns Into Data Chasers-Days of Taking Risks to Get Ahead Will Be Limited For Most…Occupy Algorithms


 
Flawed Data–Mined by Corporations Online Provides Background Checks Riddled With Errors–Attack of the Killer Algorithms Part 7


 
Consumers Lose More Privacy With New CoreLogic Credit Reporting–”Score” Marketed For Insurers and Employers To Gain Information-California Prohibits Potential Employers – From Using As Jan 1 - Killer Algorithms Part 8


 

Freddie Mac Found to be Betting Against Home Owners Being Able to Refinance - “Attack of the Killer Algorithms” On Consumers Part Nine–Home Mortgage Style


 

Komen Reverses Decision With Planned Parenthood–Hard Lesson on How Business Analytics Are Misunderstood And/Or Abused–Attack of the Killer Algorithms Chapter 10


 

Gamification–You Have Won and Now We Know All About You - It Didn’t Cost One Cent-Insurance Companies Have Games To Find Out More About You Too– “Attack of Killer Algorithms” Chapter 11


 

Colonoscopies–The Bait and Switch on Screenings–If Polyps Are Found You Get A Bill-Some Other Screenings Too–Killer Algorithms Part 12–Medical Billing Codes Style

 

Attack of the Killer Algorithms Part 13–Bank of America Style - Flawed Data With Credit Scoring Agencies–Dead Man Banking And Currently A Consumer Under Attack


 
Insurers to Provide User Friendly Summaries of What’s Covered–Good Luck As Constant Revisions Will Be Required as Business Intelligence Algorithms For Profit Change–Attack of the Killer Algorithms Chapter 14

 

Story of Duke University - The Sad Case of Flawed Data Published in Medical Journals That Was Declared Inaccurate 60 Minutes –Attack of the Killer Algorithms Chapter 15


 

Medicare Low Safety Rankings At Harvard Teaching Hospitals Disputed and Flawed–Attack of the Killer Algorithms Chapter 16


 

Start Licensing and Taxing the Data Sellers of the Internet Making Billions of Profit Dollars Mining “Free Taxpayer Data”–Attack of the Killer Algorithms Chapter 17 - “Occupy Algorithms”– Help Stop Inequality in the US 

 

Pharmacies File Suit Against Texas Human and Health Services Commission - Managed Care Contracts Begin Delegating Reimbursements Too Soon – Attack of the Killer Algorithms Chapter 18


 

AMA Announces Doctors And Patients Can Expect To See the UnitedHealthCare/Ingenix Class Action Settlement Checks In the Mail Soon - Out of Network Short Payments–Attack of the Killer Algorithms Chapter 19


 

Healthcare Blogger Gets Spammed by Hedge Fund Using Internet “Reputation Restore” With Some Really Bad Algos–Attack of the Killer Algorithms Chapter 20


 

Senator Introduces Bill to Prohibit Companies From Using Medical Debt With Assessing Consumer Credit Scores–Attack of the Killer Algorithms Chapter 21 With Flawed Data


 

IBM Watson Going to Work At Citigroup on Wall Street–Congress Didn’t See Big Data As A Tool (Hadoop Framework) When They Had Their Chance…For Consumers The Attack of the Killer Algorithms–Chapter 22


 

Independent Pharmacies Not Able to Compete with Big Chains and Fear Going Out of Business–They Don’t Have Same High Levels of Data To Sell to Profit- Attack of the Killer Algorithms Chapter 23


CVS/Caremark Sends Letters to Tufts Members Containing Personal Information Like Medical Conditions/Meds Info to Wrong Patients–Attack of the Killer Algorithms Chapter 24


Aetna States Letters Mailed to Thousands of California Customers Were A Mistake–Their Doctors Are Still In Network–”Rogue Algorithms and Flawed Data”–Attack of the Killer Algorithms Chapter 25



Medicare Agrees to Settle Hospital Reimbursement Dispute With 2,200 Hospitals in the US To Receive Approximately $3 Billion–Hospitals Paid Short–Killer Algorithms Chapter 26


 

UnitedHealthCare Sends Letter to Teenager Telling Her She Had Diabetes With No Parent or Doctor Involvement–Only Blood Test Was For Lyme Disease–Analytic Attack of the Killer Algorithms?–Reader Writes



 

Accretive Medical Collections and Analytics Cited by Minnesota by Attorney General For Collecting from Patients At Bedside and Worse–Employees on Pay for Performance Too? Killer Algorithms Chapter 28

 

San Diego Hospitals Having Issues With Anthem Blue Cross Refusing Claims for Psychiatric Emergency Services–Attack of the Killer Algorithms Chapter 29
 


Colbert Talks Accretive Care–Collections in the Hospital ER (Video) Attack of the Killer Algorithms Chapter 30!



Insurers Add 4th Tier to Prescription Pricing–Higher Costs for Patients–Attack of the Killer Algorithms Part 31 As That is What Calculates the Cost


image

Facebook IPO – The Ultimate “Attack of the Killer Algorithms” Chapter 32 - Nobody is Immune In the World of Complicated Computer Code and Formulas Today


Predictive Modeling–Business and Consumer Algorithmic Data Screening Parameters Used With Insurance Underwriting–Same Stuff Wall Street Does - Attack of Killer Algorithms Chapter 33



BATS Stock Exchange IPO Rogue Algos–Attack of the Killer Algorithms Chapter 34–See How Other Killer Algorithms Occur in Every Day Life With Healthcare & Credit



New York Subway Worker, Dubbed as a Hero Has Pension Reduced to $5.00 a Month–Retirement System Error–Attack of the Killer Algorithms Chapter 35




I think there’s a little bit of something in here for everyone and again I do this as an awareness and how we and our government moves forward with this reality, it remains to be seen if we can scoot around the big white elephant in the living room that nobody can see, touch or talk to <grin> but it roars.  Richard Cordray has his work cut out for him and that is an understatement.   

Also because it belongs here and is on the same topic, when you have time listen in here and see how someone with greater intelligence than myself will help explain how this process works too with marketing, media and flawed data as simple math is no longer 100% credible for proving accuracy.  This is a great lecture given at Google’s offices in New York.  It’s hard to tell the difference sometimes between the good stuff and the algorithms created solely for profit as again their crafters are very good and collaborate with media to ensure we have a full diet every day.  BD 

Context is Everything–More About the Dark Arts of Mathematical Deception–Professor Siefe Lecture Given at Google’s New York Office–Big Healthcare Focus



There’s also something here for thought, de-valuate some of these profiteering algorithms so we can balance tangibles and intangibles and not have an economy so out of balance and that promotes the continuation of generating more inequality as that’s the kicker behind the scenes at the root of all of this. 



“Devaluate the Algorithm” And “Tax the Data Sellers”–A Cure for Both Healthcare and an Economy Based Heavily on Intangibles–We’ve Lost Our Balance



NYU Siefe talks at Google

Wednesday, June 20, 2012

Blue Shield Policyholders File Class Action Lawsuit Alleging the Company Is Gaming the System By Pushing Older & Sicker Consumers Into Lower Benefit and Higher Deductible Policies–“Death Spiral”

I learned by reading this article what a “Death Spiral” is and didn’t realize that it was an “industry term”.  I think there could be some other insurers that could be included in this practice maybe from what I read in imagethe news with older policies being cancelled and new ones written.  Some may accomplish this via marketing efforts and the old policy rates go out of reach as far as being able to afford so consumers are kind of forced to make a decision at that point.  Those with pre-existing conditions sometimes can’t switch to a policy that is comparable or better and thus are trapped to take what they can afford and have to abandon their original policies as they can’t afford the premiums any longer.

Some consumers end up being uninsured the article states.  The lawsuit was filed by the the Consumer Watchdog group in San Francisco.  The lawsuit represents policies under both HMO and PPO types of plans.  Last year a similar suit with Blue Cross was settled.  BD



The lawsuit seeks to stop Blue Shield from shoving its policyholders into what is known as a "Death Spiral"–the industry term for what happens when a health insurer "closes" certain insurance policies to new customers, and later raises rates to those remaining in the closed policy until those enrollees can no longer afford coverage. Since consumers with preexisting conditions cannot switch to a comparable or better policy, consumers trapped in the closed policies must either accept greatly inferior coverage or face bigger and bigger premium increases.


"Blue Shield closed my family's policy and then threatened us with a 23% premium increase. We had no choice but to switch to the only bare bones policy Blue Shield offered us. When Blue Shield canceled the original rate increase, the company refused to let us transfer back into our old, higher benefit policy. Then, Blue Shield raised the rate of our bare bones policy by 14.8%!" said Robert Martin of Gilroy, California, one of the Blue Shield customers representing other consumers in the class-action lawsuit. "It's just plain unfair. Blue Shield is pushing families like mine with pre-existing health conditions out of their health plans – either into higher deductible coverage or into the ranks of the uninsured."

http://insurancenewsnet.com/article.aspx?id=346046&type=lifehealth

Lawsuit Against Accretive Healthcare Grows as More Patients are Coming Forward to Speak Out

 

 

The list is getting longer with patients coming forward speaking about the company’s collection efforts, one on a morphine drip was approached to pay and another was told to pay up $1500.00 or they would not get the surgery needed to remove a tumor on their lung.  In case you missed it the link below has more information about the lawsuit and again all this was uncovered due to a stolen lap top where confidential information about patients was being shared with companies on Wall Street looking to invest.  BD


 


Accretive Medical Collections and Analytics Cited by Minnesota by Attorney General For Collecting from Patients At Bedside and Worse–Employees on Pay for Performance Too? Killer Algorithms Chapter 28


The amended complaint includes more than two dozen additional patients who feared they would not get proper medical treatment if they did not pay their bill on the spot.

Terry Mackel, one of these patients, spoke about a $363 hospital bill he owed.

Mackel arrived at Fairview Hospital in Burnsville with a kidney stone and was put on a morphine drip when an Accretive Health Bill collector stepped into his room.

In a similar situation,

Amy Morris went to Southdale Hospital after being diagnosed with lung cancer.

Before surgery to try and remove the tumor, Morris was told she needed to pay the estimated $1,500 bill.

"They came out and said you have to pay this or you won't get the surgery," Morris said.

Both Mackel and Morris joined a lawsuit filed by the Attorney General's office six months ago, along with dozens of others.




http://www.myfoxtwincities.com/story/18830924/more-people-speaking-out-over-accretive-health-care-complaints

HealthGrades Puts Out Top Hospital List–Time to Drop All the Hospital Ratings Sites As Nobody Cares, Many Don’t Have Time To Read and Too Much “Flawed Data”

Above in the title are 3 reasons to eliminate some clutter.  Back when this was novel and new, its had some impact, even back then though the data reported was not accurate either, so why have it.  I’m sure it’s getting better as time moves on but I glanced through the list and guess what, not one hospital in Massachusetts was listed?  What’s up with that.  It might have something to do with the hospitals in that state contesting how Health Grades came up with their numbers, and they are right to question. 

If you read here often enough then you saw my experience with finding my former doctor on there who had been dead for 8 years and will still listed as being alive and well, so after life for doctors on the web seems to exist.  We might see better marketing of these reports now though as they merged with a marketing company.  The AMA even got interested in that one and we had a chat and interview on their processes.  Doctors were listed on staff at hospitals they had never foot in and there were other dead doctors in there too.  Here’s the original story I did a couple years ago.

HealthGrades And Other MD Rating and Referral Sites List “Dead Doctors” on Their MD Information Pages And Even Include the Insurance Plans the “Dead Doctors” Honor


These folks didn’t do to hot either at Avvo and there were others. 

Avvo Physician Rating Service Can’t Get Accurate Information Listed on Doctors - One OC Oncologist Sitting in Jail for Fraud


On some related issues here with flawed data here’s a couple links worth reading about and it will further substantiate the rise of flawed data both on the web and in healthcare.

Social Security Master Death Index Data Flawed–Over 31,000 Living Found in the Index

City of Buffalo Has Paid Over $2 Million to Provide Health Insurance for Hundreds of Dead People-Some as Many as 4 Years


So let’s just hang these up as they are dated and don’t do much anymore and with marketing spins today it’s hard to see sometimes what is real and what is  not.  There was another rating group, Leapfrog which was out there and I saw some discussion on the web about how those listed had to “pay” I believe to use their ratings if they were one of the “best”?  Again more reason to just scratch these and focus on something else with more value as times have changed quickly and these rating “algorithms” don’t seem to be doing real well with evaluating “human” efforts.  This reporting borders dangerously on what I call the Attacks of the Killer Algorithms, again as marketing spins and numbers get flawed.  BD   




DENVER, CO – HealthGrades, a provider of consumer healthcare information, named America’s best 50 and 100 hospitals for 2012 in a report issued today.

These hospitals demonstrated superior and sustained clinical quality, ranking them in the top five percent of all hospitals in the nation, according to a press release issued by the company.

As our nation seeks to elevate the quality of care at all hospitals, these elite facilities provide a roadmap for success," said Arshad Rahim, MD, HealthGrades director of accelerated clinical excellence, in a written statement. "Consumers increasingly are demanding greater transparency and quality when selecting healthcare providers. These hospitals are delivering. We commend them for their dedication to excellence in patient care."

http://www.healthcarefinancenews.com/news/healthgrades-names-americas-top-hospitals?page=0,0&topic=19

Sunday, June 17, 2012

New York Subway Worker, Dubbed as a Hero Has Pension Reduced to $5.00 a Month–Retirement System Error–Attack of the Killer Algorithms Chapter 35

Here we go again with checking the books and making a decision, but is this the right thing to do ethically?  People on pensions use this money to imagepay rent, bills, etc.  As I have mentioned before on a few occasions, the middle class and I should add retirees are just becoming “data chasers”.  Was it his fault this mistake was made? No, but this “bad” consumer at the mercy of a retirement “algorithmic error” is going to pay the price…how analytics looks at us humans at times as we have very few folks that ethically know how to work with “flawed data” and this is a classic case.  Punish that “bad” consumer who on a couple occasions risked his life doing his job! 

This was not just a short term error, it has gone on for 22 years and with more sophisticated Business Intelligence systems in use everywhere, errors are being caught and again it was not due to any of the information entered by the retiree, it’s the system finding errors within and incriminating the retiree, which all of this is not his fault and is purely one more example of the “Attack of the Killer Algorithms.  His case is not alone as we see businesses and others doing the same thing and where’ the ethics here?  When numbers and profit enter the picture folks who lack balance and accountability for “their” errors make the consumers the “bad guy”. 

For this very reason I started this series called “The Attack of the Killer Algorithms” to bring this to light and make consumers aware of how servers that run 24/7 make life impacting decisions about them and this certainly fits the bill.  The link below has several other chapters with examples of how this occurs.  This important enough that it has a “static” place on the Medical Quack, along with some videos that also help explain how and why this occurs. 

Attack of the Killer Algorithms–Digest & Links for All 30 Chapters–How Math and Crafty Formulas Today Running on Servers 24/7 Make Life Impacting Decisions About You–Updated 5-03-2012


I’m pretty active here with social networking and use it to try to educate as best I can and NYU Professor Siefe and I have had this conversation too on how we don’t have enough people educated in the US on “how to intelligently work with flawed data”.  He has tweeted about his own issues with trying to get information from HHS for a scientific article he wants to produce and you can see it all with the links on Twitter, all public. 

No more is this evident as with the Senate Banking Committee and the testimony of JP Morgan Dimon and Jon Stewart just absolutely nailed it in a humorous way. If you have not see it, watch this video as Dimon says “I don’t know” and yet if you watch the PBS documentary about derivatives, JP Morgan invented them, but again “I don’t know”.  This video definitely is about the most absurd “frick and frack” routine that has been published on the web.  I also added my own commentary on the post I made earlier as well at the post.  The bets were on and due to lack of algorithmic knowledge with formulas, this retiree is the the “bad guy”. 

“The Person the Hardest on Jamie Dimon Was Jamie Dimon” Testifying Before Congress This Week at the Senate Banking Committee Jon Stewart Video






So the witch-hunt goes on here with bad math and again those who are not qualified ethically or otherwise to deal with “flawed data” and they walk along and just destroy lives as in this example.  “Algorithm says”…where’s the ethics and intelligence with all of this today?  In the link I provided above you can see many examples of how consumers are hurt. 

So where do we go from here I ask?  Do we keep destroying lives as we don’t have enough “accountable” and “intelligent” individuals that know how to ethically work with “flawed data”?  I have an answer to part of this to generate money and that is to tax “the data sellers” who make billions and this is part of business every day and with such a huge focus on intangibles is a big reason we can’t overcome the lack of manufacturing in the US as companies can hire a few geeks and with very little overhead start mining and selling data and thus once more the “greed” to sell formulas takes over with little regard for human ethics and turns consumers into “bad guys”.

If you think about this as a whole, what do you think started the entire “Occupy” movement..you have it right here with the roots and even some of the protesters themselves may not understand it, but they know something is burning on the kitchen stove and the algorithms without a balance of ethics is what is behind all of this and goes to further grow inequality. 

Start Licensing and Taxing the Data Sellers of the Internet Making Billions of Profit Dollars Mining “Free Taxpayer Data”–Attack of the Killer Algorithms Chapter 17 - “Occupy Algorithms”– Help Stop Inequality in the US

 
If companies are smart enough to create “algorithms” for profit with “desired” results, they should also be held accountable for their accuracy and we don’t’ have much of this as lawmakers and others, including bank executives sit in denial or kind of play dumb and it gets reported in the news as yet one more OMG story, but nobody digs to the bottom to find the “cause”.   Maybe I was ahead of myself here, but back in August of 2009 I asked the question, “do we need a department of algorithms” when the Madoff case was discovered.  He even figured out how to “fake” algorithms” he never had and created his Ponzi scheme based on the naïve nature on which lawmakers react today and look at the people who were  hurt there. 

“Department of Algorithms – Do We Need One of These to Regulate Upcoming Laws?


The developer who worked for Goldman Sachs was recently released from his sentence a smart judge through it out and I myself questioned the bulls run he received with his court case.  I’m not saying he was innocent or guilty but the dog and pony show done by Goldman played on the lack of education with high tech data today and again, luckily a judge finally came to terms with this and saw it for what it was and over turned the conviction.  You can’t get a jury of peers today with some of the very complicated algorithms we have working today just about. 

Goldman Sachs Programmer Who Went to Jail for Stealing Code Has His Conviction Overturned–You Can’t Get A Jury of Peers Off the Street for Crimes With High Tech Algos

Here’s one of my original posts on the topic before he was tried in court. 

Goldman Stolen Code – Has Algorithmic Fraud Become A Business Model in HealthCare Too?
Are We Ever Going to Get Some Algorithm Centric Laws Passed for Healthcare!


So let’s continue to attack the naïve consumer for all the “bad algos” that were written by businesses and banks?  Not hardly an ethical answer by any means and algorithmic greed” still exists and is on the rise and moves forward with a lot of “flawed data”.  Write some algos to fix this and protect the consumers that were bit, they can do that if they want and it might cost a little money but it certainly beats this story on how stupid and unethical this all is and again it will continue to contribute to inequality in the US until we come to terms with it.   

High Frequency Electronic Trading Methodologies And Algorithms Work Their Way Into Healthcare With Human Bodies Losing Liquidity With the “Data Game”

As a short side note, I kind of wonder how Bloomberg is doing with his “coding” lessons as he said he was going to line up and learn.  That’s really a good thing as he will become compassionate and understanding too on how all of this transpires…hope we hear more about his efforts too:)  BD




In a 19-year career as a subway worker, Perry Kinard was almost killed twice. In 1978, a bandit stabbed him in the lung while he was mopping stairs in a Manhattan station. In 1990, he was shot in the chest and head by a crazed drunk in a Queens station.

But New York has repaid Kinard’s sacrifices with a slap.

The city’s biggest pension system — claiming it overpaid him for 22 years — has slashed his monthly allowance from $1,414 to $5.

In March, the New York City Employee Retirement System (NYCERS) notified Kinard that his disability pension should have been “offset” by the $150 a week in workers’-compensation payments he has received. Instead of $1,414, he deserved only $762 a month, NYCERS said.

On June 1, NYCERS informed Kinard it had overpaid him $163,422 since he retired because it didn’t deduct the workers’ comp. It cut his pension to $5 a month until 2030 to repay the money.

But John Murphy, a former executive director of NYCERS, said the current administrators may be in error. He has already helped a transit cop, retired 28 years, whose pension was wrongly slashed 75 percent because he received workers’- comp payments for a different injury. The pension was reinstated.

http://www.nypost.com/p/news/local/pound_of_flesh_HBIrKwyCY3oTkpxuMxMEgM?utm_source=SFnewyorkpost&utm_medium=SFnewyorkpost

Friday, June 15, 2012

US Health Insurance Regulator Leaving to Take a Job at UnitedHealth Care As Vice President of the Optum Division – Moving to the “For Profit Side” With Business Intelligence Algorithm Dollars To Review

Here’s yet one more government employee who’s more than likely getting a substantial increase in working for the insurance industry.  imageAs the the article states here he was the one responsible for enacting the US insurance regulations created by the healthcare overhaul.  Now I am guessing that he is on the other side of the fence and being he has the first hand knowledge of all that was written in to law, perhaps a priority here could be to find the “loop holes” in the law when working on the private side.  This is is nothing new as that’s what happens usually when one moves to the other side.  About a year ago the Health Insurance Exchange Chief left HHS and Mr. Larsen was the spokesperson making the announcement. 

Health Insurance Exchange Chief at HHS Announces He Will Be Leaving–Who Wants That Job, Really…



If you happened to watch the PBS documentary about Wall Street, that’s what their folks were told to do, “find the loop holes” and granted it’s not as easy in healthcare but again it’s what occurs when a change as such is made.  He’s going over it appears to the Optum side, the old “Ingenix” area to where formulas and algorithms are king and create a lot of profit for the company.  To make a bit of a stark comparison I posted the video with Jamie Dimon from Jon Stewart yesterday and it’s worth a watch as we are talking “regulation” in both areas and Dimon had no clue and the folks in the Senate looked like a “peanut” gallery of sorts with their comments.


“The Person the Hardest on Jamie Dimon Was Jamie Dimon” Testifying Before Congress This Week at the Senate Banking Committee Jon Stewart Video

 


United is not in this category as they have been doing analytics for profit even before it became stylish to do so. Remember the Cuomo case on the short pays on out of network charges that went on for 15 years…again a long time.  BD 


AMA Announces Doctors And Patients Can Expect To See the UnitedHealthCare/Ingenix Class Action Settlement Checks In the Mail Soon - Out of Network Short Payments–Attack of the Killer Algorithms Chapter 19


In comparison it looks like regulation on the government side is losing the man at the top but hopefully there are some in the ranks with some algorithmic and formula knowledge to follow him as he takes all that knowledge and experience from his work at the government with him. It’s all about the math and formulas when it comes to profits.  BD 

UnitedHealthCare 1st Quarter of 2012 Yields over $1 Billion in Net Profits–25% of the Nation Still Remains Uninsured





Steve Larsen, the government administrator directing enactment of U.S. insurance regulations created by the 2010 health-care overhaul, said he is leaving to take a job with UnitedHealth Group Inc. (UNH) (UNH)

Larsen will resign as head of the Center for Consumer Information and Insurance Oversight in July to become an executive vice president at UnitedHealth’s Optum unit, he said in an e-mail.

Larsen worked for Amerigroup Corp. (AGP) (AGP), a Virginia Beach, Virginia-based insurer specializing in Medicaid plans, before joining the Department of Health and Human Services (30581MF) in 2010 and had served as Maryland’s insurance commissioner.

He will be replaced temporarily by Mike Hash, an adviser to Health and Human Services Secretary Kathleen Sebelius while Tavenner searches for a permanent replacement, she said.

Larsen’s position made him one of the country’s most powerful regulators of the health insurance industry, said Joel Michaels, a partner at McDermott Will & Emery in Washington who represents insurance companies.

http://www.businessweek.com/news/2012-06-15/u-dot-s-dot-health-insurance-regulator-to-leave-oversight-job

Thursday, June 14, 2012

WellPoint Completes Migration to Microsoft Office 365 In the Cloud With 65,000 Mailboxes

In addition you can also visit the Microsoft In Health Blog to read more to include a interview as to how and what influenced WellPoint imageto choose Office 365.  In addition this makes more room for using Share Point for collaboration efforts as well as having video and other capabilities that are built into Office 365.  If you ever had to monitor and take care of Exchange on a client/server operation, then you will appreciate cloud services for sure. 

With 65,000 mailboxes you can bet the IT folks were happy to have  this come along.  I don’t know how many of the opt in services are included but having connectivity with social networks is also a huge help and this could give more time to the IT folks to work on their “risk” business intelligence items which are always at hand with insurance companies. 

In addition Blue Cross has a bit of money tied up with their own BI ventures which you can read about at the link below as the parent company moved to San Francisco to start yet one more incubator.  BD
   
Blue Cross Venture - Blue Health Intelligence Proving to Be Very Costly And Received Another 9 Billion From Undisclosed Source–Subsidiary Watch


Press Release:

REDMOND, Wash., and INDIANAPOLIS, Ind. — June 14, 2012 — WellPoint Inc. and Microsoft Corp. today announced WellPoint’s completed migration to the cloud that includes its internal imageproductivity platform and more than 65,000 email boxes. WellPoint collaborated with Microsoft to deploy Microsoft Office 365, which allows associates to collaborate in a virtual environment, share desktop screen views, host virtual meetings, instant message and streamline communications. This yearlong process included a multiphase migration to the cloud environment. Office 365 allows the more than 37,000 WellPoint associates to communicate via chat, video and audio.

WellPoint’s affiliated health plans serve nearly 34 million members, more than 62 million people through subsidiaries, and are continuously working to improve the customer experience. The collaboration with Microsoft is expected to provide the support needed to help give customers the best service in the industry. When associates can communicate in a collaborative, efficient manner, customers receive prompt, efficient service.

WellPoint is working toward more coordinated care management delivery for customers, which includes access to the latest medical evidence and accurate and complete member information contained within a security-enhanced cloud environment. This technology serves as the foundation for WellPoint’s internal communications, with WellPoint’s goal to eventually offer the same collaborative communications to affiliated health plan providers and customers.

“We are leveraging the cloud and Office 365 to achieve new levels of collaboration internally,” said Andrew J. Lang, senior vice president and chief information officer, WellPoint Inc. “Our next step is to enhance our collaborative communication capabilities to our affiliated health plan members and our health care plan provider partners by enabling solutions that help in improving the coordination of care.”

“In today’s hypercompetitive marketplace, health plans must focus their limited resources where they matter most — empowering people and teams to deliver exceptional customer experiences, be more productive, and respond quickly to change and opportunities,” said Dennis Schmuland, chief health strategy officer, U.S. Health and Life Sciences, Microsoft. “For WellPoint and other health benefit organizations, an always up-to-date cloud service such as Office 365 offers the agility to respond quickly to change and opportunities, and by substantially reducing IT operating costs, it frees resources for more strategic uses.”

About WellPoint Inc.

At WellPoint (NYSE: WLP), we believe there is an important connection between our members’ health and well-being—and the value we bring our customers and shareholders. So each day we work to improve the health of our members and their communities. And, we can make a real difference since we have nearly 34 million people in our branded health plans, and more than 62 million people served through our subsidiaries. As an independent licensee of the Blue Cross and Blue Shield Association, WellPoint serves members as the Blue Cross licensee for California; the Blue Cross and Blue Shield licensee for Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri (excluding 30 counties in the Kansas City area), Nevada, New Hampshire, New York (as the Blue Cross Blue Shield licensee in 10 New York City metropolitan and surrounding counties and as the Blue Cross or Blue Cross Blue Shield licensee in selected upstate counties only), Ohio, Virginia (excluding the Northern Virginia suburbs of Washington, D.C.), and Wisconsin. In a majority of these service areas, WellPoint’s plans do business as Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Blue Cross and Blue Shield of Georgia and Empire Blue Cross Blue Shield, or Empire Blue Cross (in the New York service areas). WellPoint also serves customers throughout the country as UniCare and in certain California, Arizona and Nevada markets through our CareMore subsidiary. Additional information about WellPoint is available at www.wellpoint.com

About Microsoft in Health

Microsoft is committed to improving health around the world through software innovation. For over 16 years, Microsoft has been providing a broad portfolio of technologies and collaborating with partners worldwide to deliver solutions that address the challenges of healthcare providers, public health and social services, payers, life sciences organizations and consumers. Today, Microsoft invests in technology innovation and works with health organizations, communities and over 20,000 partners around the world to make a real impact on the quality of healthcare.

About Microsoft

Founded in 1975, Microsoft (Nasdaq “MSFT”) is the worldwide leader in software, services and solutions that help people and businesses realize their full potential.

Note to editors: For more information, news and perspectives from Microsoft, please visit the Microsoft News Center at http://www.microsoft.com/news. Web links, telephone numbers and titles were correct at time of publication, but may have changed. For additional assistance, journalists and analysts may contact Microsoft’s Rapid Response Team or other appropriate contacts listed at http://www.microsoft.com/news/contactpr.mspx.

Wednesday, June 13, 2012

Predictive Modeling–Business and Consumer Algorithmic Data Screening Parameters Used With Insurance Underwriting–Same Stuff Wall Street Does - Attack of Killer Algorithms Chapter 33

Ok , if you read here often enough, I have been telling you this for the last 2 years and it’s all about risk assessment and the algorithms used to calculate scores.  I understand the need and use of a lot of this technology but on the other side it gets abused and we have tons of flawed data floating around out there and it’s getting worse every day. For what ever reason, data is flawed, be it someone lies, or data is not updated, or someone creates software with a bunch of algorithms to sell more software and yes that last one occurs more than you may think.  Even the author of this article states how “scary” the consumer data is, again as there’s flaws but too many naïve internet readers believe they see and those who create some of these formulas, even though they may not admit it, cash in and make money off the consumer’s backs.

Also as the article states, it’s already being used for screening and again if you have read here for the last 2 years, you know that in what I have blogged about.  I used to write code and have 25 years of sales and marketing in my background and am a strange hybrid, but you know what, I can relate the two and predict as when you know the mechanics and have spent enough years in selling, well it’s a good combination, that is if you want to know about what algorithms do and pretty much figure out what direction folks are going, not hard if you know sales, mechanics and read the news.   

Context is Everything–More About the Dark Arts of Mathematical Deception–Professor Siefe Lecture Given at Google’s New York Office–Big Healthcare Focus


The one example in here is perfect with seeing if a TV is left on all day…person would be seen with a potential to develop diabetes due to a sedentary lifestyle, but it’s not him/her, it’s the kids…<got to love some of the flawed analytics that’s building out there>.  Companies don’t update their licenses with states that mine this data so as a consumer if they don’t update, guess what, its takes you months, maybe a year to get errors off your record…all comes back to flawed data.  NYU professor Siefe, a mathematician agrees with me in the fact that we don’t have enough people out there who know how to work with “flawed data” and I might say we might not have enough either to work with non-flawed data either.  He wrote the book “Proofiness, the Dark Arts of Mathematical Deception” and yes folks it lives out there, more than what you think.  Again know how someone could write code to disguise and market, that’s where I’m coming from.  They do it.



So if you are buying life insurance, these folks want the “best in class” for goodness sakes so all the rest of us that don’t qualify are discarded by use of Killer Algorithms. 

They all want to predict your mortality and frankly some of us may not want to know that.  Check out this link below and watch this video.  “Previvor” if you get the disease, you get off the island and this is addressing predictive behaviors and sub clinical screenings.  Let’s face it, do you like this?  Granted there’s some very good use, but some are going overboard and we still have to function like humans.  This is where they are going with some of this and some folks have no clue on balance, especially when “desired” results have a tendency to trump accuracy, and the naïve public still buys in here, go figure.

“Previvor, If You Develop the Disease You Get Off the Island”–Subclinical Illnesses Leading to Overtreatment And Possibly Death–Ivan Oransky From Reuters Video



Previvor–Mortality and subclinical assessments


Now if you are still reading, let’s see how much money (billions) is made by corporations, banks, high frequency companies and more with all this data.  Ahem…Walgreens made just short of $800 million in selling data only in 2010 on their SEC report, does that tell you this is a money game and not always in your best interest.  I said we need to tax these billionaire companies and help out the consumer who’s getting screwed with flawed data where we are guilty and have to prove innocence on “flawed data”.  Why do you think companies don’t build and open new factories to product tangibles in the US when they can hire a few geeks to write some algorithms and mine data and make millions with hardly any employees, code does it all so let’s reduce the value of some of these algorithms and boost the value of “humans” for goodness sakes!! 

“Devaluate the Algorithm” And “Tax the Data Sellers”–A Cure for Both Healthcare and an Economy Based Heavily on Intangibles–We’ve Lost Our Balance


There’s absolutely a glaring example of what credit folks do with creating software to sell more software.  See this FICO example..mismatched data and yet they create all kinds of reports to substantiate selling their algorithms, how dumb can we be and suck all this up?  This is just like that example of the kids watching TV, flawed and just made up to make money off the middle class. 

FICO Analytics Press Release Marketing Credit Scoring Algorithms to Predict Medication Adherence–Update (Opinion)

Now it appears in Germany, their credit folks want to do something like this too so it is contagious. 



Schufa, Germany’s Largest Rating Firm Wants Access to Consumer Data from Social Networks


So where are the “predictive models” for the Facebook IPO I ask <grin>.  Their analytics came back to bite in the form of some “rogue algorithms”…and we know the rest of that story…Killer Algorithms attack once again.  CEO was less than knowledgeable and again just one more of those high paid figureheads today out there running around with little tech knowledge.  If I were a software engineer at Facebook, I would be pretty angry and not to mention inquisitive too as what happened with those algos as they write and test enough of their own.   

Facebook IPO – The Ultimate “Attack of the Killer Algorithms” Nobody is Immune In the World of Complicated Computer Code and Formulas Today

Back on track, not too long ago Accretive proved how important algorithms are to making money, remember that one where employees were collecting at the ER room and doing some very unethical collecting, all while on pay for performance for bring in the money?  So when you think about underwriting, these companies are doing the same thing, money, money and more money and ethics suffer so underwriting stands to get just bit more polluted as time moves forward and gee, what’s going to happen when very few can meet the parameters that are added to all the algorithms?  Will nobody quality?  No, they will just created new algorithms and play God with flawed data and formulas more than likely as nobody calls them on it sadly. 

Accretive Medical Collections and Analytics Cited by Minnesota by Attorney General For Collecting from Patients At Bedside and Worse–Employees on Pay for Performance Too? Killer Algorithms Chapter 28

In summary it looks like the underwriting business is taking the same algorithmic path that Wall Street did with our finances except this time we can see it all, that is if we “choose” to do something about unethical parameters with algorithms.   Maybe JP Morgan has a comment or two to add there? <grin>  BD



ANAHEIM, Calif. – “Predictive modeling” is coming to life underwriting, and while it may help reduce underwriting costs, the approach may be confusing to clients or even a touch scary, says a long time underwriter. Advisors will therefore need to be ready to educate on this.

Predictive modeling refers to systematic analysis of data, including historical information. In the life underwriting context, this data is about consumers.

Analysts use the information to create predictions, or models. Underwriters can apply the information to life insurance applicants in order to determine their risk classification for the insurance coverage they are seeking.


Advisors may be familiar with the approach in other, non-insurance contexts. For instance, predictive analytics have been used in credit risk scoring, medical research, consumer marketing and even meteorology, the underwriter said. “iTunes uses it through its Genius application to provide song recommendations; Netflix does the same for movies.”

Predictive models fall into different categories. Phelan considers one of them -- the consumer data model — as having “a little scary” side to it.

The consumer data model involves applying information obtained about an applicant from various databases and information resources. The data might show things such as the applicant’s online purchases, magazine prescriptions, TV watching behavior and leisure activities, the underwriter said.

http://insurancenewsnet.com/article.aspx?id=346043&type=lifehealth