Your Insurance: Turning a Cost Center into an Opportunity
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- Brianne Waters
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1 Your Insurance: Turning a Cost Center into an Opportunity
2 Who is on the line? Chuck Ingoglia Senior Vice President of Policy and Practice Improvement, National Council for Behavioral Health Marilyn Udis Vice President, Mental Health Risk Retention Group, Negley Associates Sue Cohen Executive Vice President, Negley Associates
3 Our Presenters Catherine Ryder, LCPC, ACS Executive Director, Tri-County Mental Health Services Serving (7) counties in Maine MH, SUDs & ID Evidence Based Practices/Serving the Lifespan Integrated Primary Care & Behavioral Health Home Tele-psychiatry ACO Contracted 11,000 lives touched/year MHRRG Board Member (since May 2012) Currently serving as Board Vice President TCMHS insured by MHRRG since January 1, 1988 Don Miskowiec, MBA President/CEO North Central Behavioral Health Systems Serving Central and North Central Illinois MHRRG Insured Since 1988
4 MHRRG HISTORY In 1987, two major national associations - Mental Health Corporations of America and National Council for Behavioral Health - joined forces to create an innovative insurance option for community behavioral health, the Mental Health Risk Retention Group (MHRRG).
5 Mission : The Mental Health Risk Retention Group, Inc. was formed to provide a stable source of comprehensive liability insurance for mental health organizations and to improve the quality of care through loss prevention program development.
6 Benefits of Mental Health Risk Retention Group (MHRRG): MHRRG is owned by its policyholders. MHRRG only insures behavioral healthcare facilities MHRRG Board Board Member Liaison Sustainability! Negley Associates = Underwriting Managers
7 Benefits of Mental Health Risk Retention Group (MHRRG): Extensive loss prevention program Individualized Risk Management Program (IRMP) which Don will speak more about Dedicated claims team Dividends!!! Endorsed by: the two major behavioral healthcare organizations, National Council for Behavioral Health Mental Health Corporations of America (mhca).
8 Benefits of Mental Health Risk Retention Group (MHRRG): Stability of premiums! Cancellation concerns? Nonassessable what does that mean?
9 Questions to ask when considering changing your insurance carrier: What are you buying? Have you done a full policy comparison? Do you know how your broker is compensated by the carrier? How much should you buy? Will the insurance company pay in your best interest? Is your insurance application complete? Have you considered additional insureds on your policy? Apparent Agency What is your real cost Emerging Risks! Insurance isn t foolproof
10 Coming Soon Performance Bonus Exciting news!! Another great benefit for MHRRG insureds!! Another financial reward: Performance Bonus Criteria: Longevity and Loss/Profitability ratio May not qualify every year since criteria will change In addition to annual Dividends (which ALL insureds receive)
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12 MHRRG s website is: Contact person: Marilyn Udis, Vice President, mudis@jjnegley.com Phone:
13 Turning a Cost Center into an Opportunity - An Insured Organization s Perspective
14 ABOUT NORTH CENTRAL Serving Over 100 communities in Central & North Central Illinois Broad range of mental health, substance use, prevention/education services Ten locations Health Directions division 6,000 clients per year Telehealth services to 15 locations (7 hospitals) System of care projects with health systems
15 HISTORY WITH MALPRACTICE/LIABILITY INSURANCE In the Late 1980 s Difficulty finding insurers Behavioral health industry not well understood High premiums Upper double-digit premium increases Distrust between insurers and insureds Desperate for a solution Risk Retention Group became an option
16 WHAT MADE THE MENTAL HEALTH RISK RETENTION GROUP DIFFERENT? A NEW CONCEPT IN COVERAGE PROMISED True specialty insurer Governance by peers Stock ownership Potential dividends Stability of premiums Promise of individualized risk management programs Good individualized customer service
17 OUR EXPERIENCE WITH THE MENTAL HEALTH RISK RETENTION GROUP Did they deliver on their promises? True specialty insurer - YES Governance by peers - YES Stock ownership - YES Dividends - YES Stability of premiums - YES Promise of individualized risk management programs - YES Good individualized customer service - YES
18 Highlights of Our Experiences with MHRRG You have to trust your doctor, dentist, lawyer and insurer They know the industry inside and out Feels more like a partnership Peer governance very apparent Dividends have been great dividends paid since 1991, 12% of premium last two years Premiums continue to be stable Individualized risk management programs are very helpful Customer service is excellent Key staff are VERY accessible Overall excellent rating by our organization
19 Don Miskowiec
20 Questions?
21
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