To report a claim or lawsuit, contact your claim representative by phone or submit pertinent information, lien letter, or petition by mail, fax or email to:
Mail: 4700 Country Club Drive, Jefferson City, MO 65109
Email: email@example.com or one of the HSG Claim Management Team members directly.
During normal business hours (8a-4:30p), simply call our home office and request our Claim Management staff. After normal business hours, please call the number below to activate the 24/7 Claims Hotline. If you do not reach someone immediately, please leave your name, affiliation, phone number and a brief description of the event and a member of our Claim staff will call you back as soon as possible.
Our attorneys are available to consult with insureds concerning legal matters, even if a formal claim has not been made. Such matters may include advice on HIPAA compliance, responding to complaints or requests by patients or family members, and other legal matters.
Our claim representatives can assist our insureds in responding to subpoenas and other requests for the production of medical records or other documents. When appropriate, we will retain outside counsel as well to represent the insured’s interests.
When an insured client or any of its employees are subpoenaed or requested to give a deposition regarding medical care (even if a formal claim has not been presented), we will assign an attorney to represent and defend the individual at the deposition. Our claim representative may also attend the deposition.
When a licensing board or other governmental agency requires an insured client or any of its employees to provide records, create a written summary, or appear in front of the board or agency, our claim representatives will assist throughout the process and will retain an attorney to represent the insured.
During normal business hours (8a-4:30p), simply call our home office and request our Risk Management staff.
After normal business hours, please call the number below to activate the 24/7 Risk Management Hotline. If you do not reach someone immediately, please leave your name, affiliation, phone number, and a brief description of the event and a member of our Risk Management staff will call you back as soon as possible.
Each section provides information and additional resources about the topic, along with relevant sample policies.
Content available includes:
Facility and Environment: Cleaning and Safety
Healthcare Provider Practice
Communication and Follow-up
Emergency Protocols & Fire Safety
Regulations and Standards
The manual also serves as an excellent employee orientation manual and training resource. It includes a Clinic Self-Survey that is helpful in identifying potential liability risks, particularly in clinic-type settings. After completion of the Clinic Self-Survey, it will be reviewed and specific recommendations and action plans will be developed to help you address opportunities for improvement. In addition, a report comparing your organization to other survey respondents will also be produced.
Copyright © 2010 Healthcare Services Group. The materials contained in CONCEPTS are proprietary and may not be distributed or reproduced without the express consent of HSG. MLA insureds have permission to reproduce and use information contained in this manual within their facilities.
HEALS provides education and support to insured healthcare providers after they experience a bad patient outcome, during a complaint investigation and during malpractice litigation. The program focuses on the healthcare providers’ thoughts, concerns and questions about the events unfolding around them. HEALS is an information sharing program with its primary objective being to help providers return to peak performance as quickly as possible.
HSG’s Claim Department and the Risk Management & Patient Safety (RM&PS) Department work closely together to deliver the HEALS program to insured clients. HEALS is part of HSG’s claims services. HEALS is managed and controlled by the Claim Department as part of the claims process but delivered by HSG’s RM&PS Department. Since it is a part of the claims management process, the information discussed is privileged just like other claims related information.
For more information: Risk Management & Patient Safety Newsletter, Spring 2014, Volume 11, No. 2 newsletter & HEALS brochure.[table “Arv_replacement” not found /]
The SRAT breaks down each audit protocol into subparts and consolidates the guidance and requirements into self-contained units that guide the users to the required policies and procedures. SRAT starts with the required Risk Assessment and ends with Breach Protocol requirement.
Content available includes:
HIPAA Compliance Program Overview
HIPAA Audit Preparation Security Rule Audit Tool
Basics of Analysis and Risk Management for HIPAA Security and Privacy Rules
Administrative Safeguards Risk Assessment
Physical Safeguards Risk Assessment
Technical Safeguards Risk Assessment
Privacy Rule & Breach Risk Assessment
References and Resources
SRAT Audit Protocol Phase I
SRAT Audit Protocol Phase II
We believe that our insured clients who apply solid risk management practices should see their efforts reflected in their premium. Participation is strictly voluntary in program; however, it can result in a discounted premium of up to 7.5% on your professional liability insurance renewal.
The first part of the program focuses on education. There are two ways to earn the education premium discount — up to 5% per year. Eligible insured Physicians/Surgeons or Allied Healthcare professionals can attend a one-hour, on-site risk management program, provided by a MLA consultant, for 3% premium discount or successfully complete our online educational courses for 1% premium discount for each completed course. These options can be combined to earn a total of 5% education premium discount per year.
The second part of the program focuses on self-survey and office practice assessment and provides a 2.5% premium discount for two years upon premium renewal. Our Clinic Self-Survey is designed to assist in identifying and correcting risk management concerns in your office practice. In addition to the premium discount you will earn for reviewing and completing this Clinic Self-Survey, it will be reviewed and specific recommendations and action plans will be developed to help you address opportunities for improvement. A report comparing your organization to other survey respondents will also be provided.
Healthcare Services Group (HSG) Family of Companies believes in giving back to its members and policyholders. The Companies employ highly efficient operating practices, keeping the expense ratio well below the national average, providing additional revenue to the bottom line, and allowing us to sustain increasing dividends and profit sharing to policyholders.
In 2022, the Missouri Hospital Plan (MHP) board of directors declared a $13 million dividend, to be distributed early to provide some economic relief to hospitals as they continue to struggle with the financial burden associated with the COVID-19 pandemic.
In addition, the Medical Liability Alliance (MLA) board of directors declared an 11% Quality Caregivers profit sharing payout for eligible insureds upon renewal. MLA is a wholly-owned subsidiary of MHP. This is the 14th consecutive payout since the program began in 2009. Over this time period, the MLA board has declared over $21 million in profit sharing.
MHP DIVIDEND FACTS
Fact 1: Eligibility: Members are eligible to receive dividends after one year upon renewal
Fact 2: 2022 Return: $13M was returned to members
Fact 3: Dividend Sharing Ratio: MHP’s 40% dividend ratio is more than 20 times that of industry peers
QUALITY CAREGIVERS PROFIT SHARING PLAN FACTS
Fact 1: Eligibility: Policyholders are eligible for profit sharing after one year*
Fact 2: 2022 Return: 11% of premium was returned to policyholders
Fact 3: Profit Sharing Ratio: MLA’s 11% profit sharing ratio is more than three times that of industry peers
Fact 4: 2021 profit sharing payout marks $14 million returned to policyholders since 2010.
*Payable upon renewal, subject to defined loss experience standards.
ProCon has developed a Cyber Liability program specifically designed for hospitals and leveraged the buying power of the group, resulting in broad coverage with an extremely competitive pricing model. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.
For more information visit the HSGCF page.
Executive Director, HSGCF
HSG Security Officer
HAT combines most of the benefits of self-insurance with the protection of guaranteed cost programs. Its group trust arrangement gives it the ability to control price, based on its own experience combined with improved safety and claim management efforts. The board consists of participants that have a vested interested in reducing injuries and claim costs. Like other HSG companies, the Trust has been very profitable for many years and has returned substantial dividends to its members.
ProCon is the exclusive agent for HAT and can also access commercial markets to provide coverage for smaller hospitals on a guaranteed cost basis and self-insurance programs.
Through its partnership with Wallstreet Group, HSG provides affordable insurance coverage and flexible benefit programs for member hospitals. Available programs include group health, life, dental, disability and voluntary benefits. As a result, hospitals have realized substantial savings and employee benefit plan improvements as members.
For information on benefit plan programs for your organization, please call Randy Lueckenotte at 573-636-3222.