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RESULTS OF MANAGED CARE
SURVEY
Summary of Results -
Conducted by Marin County CAMFT Clinical Members, 1997
Part I: Survey Highlights
I recently received the above referenced
results of a survey of Marin County clinicians regarding their experiences as
panelists or non-panelists for managed care companies. I hope you find it
useful, relevant and thought-provoking as the discussion of pros and cons of
managed care continues.
The questionnaire was designed to:
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Gather and evaluate information about
clinicians' experiences, attitudes and relationships with managed care
organizations,
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Compare clinicians' reports of
encounters with specific managed care companies
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Determine the overall impact of
managed care on the psychotherapists polled.
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The primary goal was to acquire and make
available information that would empower clinicians to make educated choices for
themselves regarding their involvement with managed care. Further, it would
enable them to better serve their clients, protect their clients' rights and
practice psychotherapy in a way that is ethically and financially viable.
Date survey was distributed to members:
Spring 1996
Participants: 252 licensed CAMFT members in Marin County, CA
Response: 78 therapists - 31%. Half (39) are currently or have been providers on
panels
Demographics:
Gender: Male (12.8%), Female (76.9%), no
answer (10.3%)
Age: 30-40 (11.5%). 40-50 (28.2%). 50-60
(50%). 60+ (9%)
no ans. (1.3%)
No of Years Licensed: 1-5 (26.9%), 5-10
(11.5%),
10-15 (26.9%), 15+ (33.3%), no ans (1.3%)
Weekly Client Hours: 0-5 (7.7%), 6-10
(12.8%), 11-15 (25.6%), 16-20 (28.2%), 20+ (25.6%)
Summary:The most frequent
respondent was female between the ages of 50 and 60, licensed over 15 years and
averaging 16 to 20 client hours per week.
Panel Inclusion: () = No.
of panels to which respondents belong:
39 - not panelists,
14 - (1) panel,
1 - (2) panels,
8 - (3) panels,
0-3 therapists - (4-26) panels.
Panel Referrals: Number
of panels from which respondents had received a referral in the past year:
52 had 0 referrals,
9 had 1 referral,
6 had 2 referrals,
4 had 3 referrals,
1 had 10
Reasons for refusing referrals:
6.2% - caseload full with private
practice clients
1.9% - panels were closed
5.7% - on panels, but received no referrals
14.1% - excessive paperwork required
12.8% - fees were too low
17.6% - wished not to be told how to practice therapy
4.0% - liability issues
14.1% - confidentiality issues
5.3% - other reasons
8.4% - no answer.
Satisfaction: one third
of respondents were pleased to receive referrals from managed care, one third
displeased and one third did not reply to the question.
Frequency of Reports:
companies requesting a report every six sessions was the most common response.
One third of respondents reported that they were required to submit a full
treatment plan after one or two visits. Two-thirds of the respondents spent more
time on paperwork for their managed care clients than they did for their private
clients.
Income Results: 67.95%
report no change in income as a result of working with managed care companies.
20.51% report that their income has decreased, and 11.54% report an increase.
Effects on Practice: Over
50% of the respondents have assumed part-time work to augment their private
practice income. Thirty-two percent with supplemental jobs are working outside
the field of mental health; 68% have found part-time employment within the
mental health field.
Managed Care Panel
Part II: Responses From Therapists on
Managed Care Panels
(Summary of Results Conducted by Marin County CAMFT Clinical Members, 1997)
Part I covered survey highlights including
demographics, panel inclusion, satisfaction regarding referrals, income results,
and overall effects on practices.
Part II summarizes replies by the 39 respondents who formerly had been or who
currently are on managed care panels. Section A of Part II summarizes
respondents' overall replies while Section B reviews clinicians' experience with
specific managed care companies.
Data was derived from answers to a series
of questions in which respondents were asked to write in the names of from one
to four specific managed care companies with which they had worked and to base
their replies on actual interactions with those companies. In all, 43 different
managed care companies were named, some of which have since merged or gone out
of business.
A. Overall Managed Care Experience
The figures were tallied as "% of
responses" or "% of cases" rather than as Ò% of respondents'
because respondents replied regarding experiences with one to four different
companies. The actual number of responses or cases varied from question to
question and these raw numbers have not been included.
1) Confidentiality
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In over 60% of cases, respondents
indicated concern about confidentiality.
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In half of these cases, clients also
expressed confidentiality concerns.
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Therapists had clients decline or
quit therapy in 24% of cases due to the added risk to privacy
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In 33% of cases, therapists
suspected that important information was withheld by clients fearing that
it would leak to employers or others and thus make the client more
vulnerable.
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In more than 75% of cases,
respondents had been challenged about presenting information on treatment
reports that could increase the likelihood of securing coverage.
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In 40% of cases, clients requested
that therapists exaggerate symptoms so authorization for further treatment
could be received.
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2) Review Process
Therapists reported confusion regarding
their prerogative to continue working with a client upon completion of the
authorized sessions, as well as whether therapists can set their own fee with
clients or must charge the same fee set by managed care companies. Of
therapists working for the same managed care company, some reported that they
can while others reported that they cannot continue to work with a client
after completion of the authorized sessions. Respondents further reported:
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In 32% of cases, reviewers were
inadequate due to not being clinicians themselves, being unfamiliar with
medications, being policy-driven versus case-sensitive.
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In 31% of instances, treatment was
denied or cut short because it was deemed "medically
unnecessary" by managed care companies.
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72% of responses indicated that the
criteria for "medical necessity" has not been clearly defined by
companies.
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In 20% of cases, the criteria for
"medical necessity" was not publicly available.
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In 33% of cases, treatment was
interrupted due to managed care companies' refusal to authorize more
sessions. Of that 33%, in one third of the cases the therapist believed
the clients' progress was damaged or undermined.
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In 33% of cases, the therapist felt
ethically obliged to continue treatment at low or no cost.
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No therapist, fortunately, reported
having been threatened with a suit for abandonment of a managed care
client.
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3) Reimbursement
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In nearly half of the cases,
therapists reported no problems with reimbursement.
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In 16% of cases, therapists
experienced denial of payment for sessions which occurred after
authorization had expired or while waiting for reauthorization.
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In 38% of cases, therapists reported
delay in payment due to a communication breakdown with the managed care
companies.
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B. Review of Specific Managed Care
Companies
The 39 therapists who were or have been on
panels represented 43 different managed care companies. For comparison purposes,
these companies were divided into two sets, 39 of which were represented by 3 or
fewer therapists, and 4 companies of which were represented by 4 or more
therapists. For purposes of this summary, 4 or more positive answers to the 6
questions asked on the subject of confidentiality was deemed
"significant".
Set 1: Summary of 39 managed care
companies represented by 3 or fewer therapists:
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Companies for which providers
expressed significant concern about confidentiality included Champus,
Concern, Greenspring, Hillcrest, Medco, Merit, MBC, NRC, Perschoice and
PSI.
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Companies which prohibited the
client from seeing the therapist privately after completion of covered
sessions were MBC, Merit and Perschoice.
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Companies requiring a treatment plan
after 1 or 2 visits were Aetna. Claremont, Concern, Hillcrest, Interplan,
Medco, Merit, MHN, Perschoice, PSI and Tricare.
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17 of the 39 managed care company
providers reported experiences with reviewers who were deemed inadequate.
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78% of respondents stated that the
criteria for Òmedical necessityÓ had not been clearly defined by Blue
Cross, CCN, Concern, Champus, Helpnet, Hillcrest, Interplan, Lifelink, MBC,
Medco, NRC and PSI.
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12 of the 39 companies were reported
to extend authorization for sessions.
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12 companies were reported to have
damaged or undermined clientsÕ progress because of refusal to authorize
additional sessions. These companies were Aetna, Concern, Champus, FONH,
Greenspring, Hillcrest, Interplan, MBC, Medco, Pacificare, PSI and Vista.
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Therapists representing 11 companies
reported having felt ethically bound to provide no or low cost care when
coverage was denied.
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16 companies delayed payment due to
communication breakdown.
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4 companies, Champus, Hillcrest,
Medco and Merit, denied payment for visits which occurred after
authorization had expired or while waiting for authorization.
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Set 2: Comparison of 4 managed care
companies represented by 4 or more respondents. Similarities and differences
are highlighted among Blue Shield (11 providers responded), U.S. Behavioral
Health (USBH - 7 providers responded), Occupational Health Services (OHS - 5
providers responded) and Value Behavioral Health (VBH - 4 providers
responded):
a) Confidentiality
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Confidentiality concerns for
clinicians and clients: Blue Shield (4 of 11), USBH (5 of 7), OHS ( 4 of
5), and VBH (4 of 4).
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Clinicians' experience with clients
declining or leaving therapy because of concerns about confidentiality:
Blue Cross (0 of 11), USBH (3 of 7), OHS (4 of 5), VBH (2 of 4).
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b) Review Process
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Complaints about inappropriateness
or inadequacy of reviews were infrequent from providers for all four
companies. However, in at least one instance for each company, a provider
reported encountering one reviewer who was thought to be inappropriate and
one reviewer who was deemed inadequate.
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Treatment cut short because care was
deemed "medically unnecessary", almost half of the providers
responding from USBH, OHS and VBH reported experiencing this, while only 1
of 11 providers for Blue Shield experienced this.
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The criteria for "medical
necessity" not clearly defined: Blue Shield (6 of 6) who responded,
USBH (5 of 6), OHS (4 of 5) and VBH (2 of 3).
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The criteria for "medical
necessity" being publicly available: Blue Shield (5 of 5), USBH (3 of
5), OHS (4 of 4), and VBH (2 of 3).
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50% of providers for USBH and OHS
reported therapy being interrupted when client's managed care company
refused to authorize additional sessions, while only one provider from
Blue Shield and one from VBH had had this experience.
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Providers from all four companies
felt ethically obliged to continue care at no or low cost when further
coverage was denied by managed care companies.
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c) Reimbursement
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Denial of payment for visits which
occurred after authorization had expired or while waiting for
reauthorization: USBH (3 of 7 respondents), Blue Shield (1 of 5), OHS (1
of 4), VBH (1 of 3).
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Delay in payment due to
communication breakdown: Blue Shield (3 of 6), USBH (4 of 7), VBH (2 of
3), OHS (1 of 4).
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Summary of Comparison of Four
Companies
Providers for Blue Shield generally
reported fewer concerns about confidentiality, fewer instances of treatment
being cut short because care was deemed "medically unnecessary", fewer
incidents of interruption of therapy when the company refused to authorize
additional visits and fewer occasions of denial of payment after certification
had expired. One VBH provider noted having had"good luck" with VBH and
never having been refused requests for additional sessions.
A greater percentage of providers for USBH
reported concerns about confidentiality, cases of treatment being cut short
("medically unnecessary"), incidents of interruption of therapy when
the company refused to authorize additional visits, occasions of denial of
payment for visits which occurred after authorization had expired and instances
of delay in payment due to communication breakdown.
Receiving payment for services has been
problematic for providers from all four companies surveyed. Also, providers for
all four companies have had occasion to feel ethically bound to provide ongoing
care at little or no cost when continuing coverage had been denied.
In conclusion, the survey indicated that
while some therapists have benefited financially from working as managed care
providers, more clinicians have suffered a drop in income. Also, while some
providers report positive experiences with managed care companies and have not
been plagued by concerns about breach of confidentiality, interruption of
treatment or delay in reimbursement, this has not been the case for a large
number of clinicians in this sample.
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