An Early Bite with Dr. John Paul: “Are You on My Insurance?”

By Dr. John Paul, FDA Editor

What do you want your staff to say when a patient asks some variation of, “Why aren’t you on my insurance plan?” This is usually asked with the hidden threat or just basic confusion that they have to go where their insurance says.

“Mrs. Gruntbuns, if Dr. Paul were to be ‘on your insurance’ he will be required to sign a contract with your company that will dictate how he behaves when he sees you. Sometimes it may be just as simple as what to charge when, but it could mean he can’t provide a service that might be the most appropriate service for you. Because he believes no one should interfere in his relationship with you, he is unwilling to sign such a contract. That said, we will work with any insurance company that can provide your benefits in a timely manner without undue interference; we just aren’t ‘on your plan.’”

If you are a preferred provider for some plans but not all, you can use this same wording. Just note that you have reviewed the contract you will be required to sign and feel that unlike other plans you accept, this one will put unnecessary stress on your doctor-patient relationship.

Have a question you have a tough time answering? Send it to Dr. Paul at jpaul@bot.floridadental.org.

Case Studies: Health Care Data Breach Risks (video)

By The Doctors Company

The health care industry suffers more data breaches than any other business segment — a total of 51 percent of all breaches. This video presents an overview of the cybersecurity threats facing health care organizations and what they can do to mitigate their risk.

Claim Scenario: Hired and Non-owned Auto

By Heidi Stearn, The Hartford, Outpatient Healthcare Program Director

Dr. Smith has a patient coming in for her dentures at 11 a.m. It already is 10:30 and the dental lab still has not dropped them off at the office. Dr. Smith does not want to reschedule the patient, so he asks his receptionist to go to the lab to pick them up in her car, which usually occurs a few times a week. As soon as the receptionist pulls out of the driveway, she rear ends another car. After calling the police, the receptionist realizes the other driver has no insurance and she knows the other driver is going to be looking for her to cover the damage and medical bills. Without thinking, the receptionist indicates that she was just leaving the dental office to pick up the dentures and feels awful about the accident.

A few months pass, and Dr. Smith receives a letter in the mail from an attorney indicating he is responsible for the damages his employee caused, given she was in the scope of work. Dr. Smith quickly calls his insurance agent and learns that he has hired/non-owned coverage and he won’t have to pay anything out of pocket, given this accident occurred in the scope of employment. If he did not have this coverage, his practice could be held liable for the damages that his employee caused. Make sure your office insurance policy has hired and non-owned auto liability insurance!

Heidi Stern is responsible for working with FDA Services on the insurance program. Call FDA Services at 800.877.7597 today for more information.

You Shop. Amazon Gives to the FDA Foundation.

By Heather Gioia, FDA Foundation, Director of Foundation Affairs

amazon-smile
The holidays are approaching, and many people will take advantage of “Cyber Monday” shopping offers. You can help the Florida Dental Association (FDA) Foundation raise much-needed funding by using AmazonSmile for your online purchases. AmazonSmile is the same Amazon you know — same products, same prices, same service. So, what’s the difference? The shopping experience is identical to Amazon.com — the only difference is the added benefit to support a charitable organization from almost one million eligible organizations. AmazonSmile will donate 0.5 percent of the price of eligible purchases to a charitable organization selected by customers.

That’s where you come in! When you first visit AmazonSmile, and are prompted to select a charitable organization, please select the FDA Foundation. When you shop at AmazonSmile, 0.5 percent of the purchase price will be donated to the FDA Foundation! There are no additional fees, and AmazonSmile offers the same great options and pricing as on traditional Amazon — plus you will help provide funds to the FDA Foundation!

Thank you and happy shopping!

Please take a moment to bookmark this link so all of your eligible shopping on Amazon will benefit the FDA Foundation: http://smile.amazon.com/ch/59-2019148.