Regulatory Issues

Health Care Notification Network (HCNN)

This online network will electronically send you important product-related patient safety alerts which are mandated by the FDA and are currently sent to you through the U.S. mail. This secure, online network will provide the following benefits to you:

* Free and only used for patient safety notices (i.e., no advertising or spam).
* Faster and more efficient than current paper-based delivery of patient safety alerts.
* Once enrolled, you will be able to designate staff members to receive the online alerts, if you wish.
* You can opt out at any time.

More rapid and focused delivery of FDA-mandated product recalls and warnings has the potential to reduce adverse patient events and outcomes, and thus reduce malpractice claims.

To enroll in the HCNN, please visit www.hcnn.net or email at info@hcnn.net, or call 1-866-925-5155.

MEDEFENSE™ Plus
The Federal Government is not alone in the increasing scrutiny of physician practices for billing violations. State Medicaid agencies and commercial insurance companies are launching aggressive efforts to enforce billing compliance. Additionally, increased regulation has required physician practices to spend more time on complicated administrative issues creating new liability challenges.

Physicians are legitimately concerned that a single unintentional violation of one of the many regulations can bankrupt their practice.

Product Features
* 6 years retroactive coverage
* Coverage for Government fines and penalties (penalties can exceed $11,000 per violation)
* Access to an expert panel of attorneys and compliance consultants
* Affordable for single physicians and groups (starting at $1350 per single physician with significant discounts for groups)
* Simplified underwriting process (requires the completion of one simple application)
* Fast quotes (premium quotes can be presented in less than 48 hours)

Below are some of the more common regulatory issues that physicians face today and how the program responds:

Medicare/Medicaid Audit Coverage
EXPOSURE: Governmental allegations of fraud

.....MEDEFENSE™ Plus provides defense and indemnity covering fines and penalties for physicians involved with Medicare/Medicaid audits.

HIPAA Compliance
EXPOSURE: Patient privacy regulations
New rules governing the restricted use of patient information have recently created a new liability exposure for healthcare providers. Enforcement activity for non-compliance may become an additional challenge for physician practices that are governed by these regulations.

.....MEDEFENSE™ Plus provides defense and indemnity protection for fines and penalties levied by Federal or State enforcement agencies as a result of allegations of HIPAA regulatory violations.

Commercial Payor Audit Coverage
EXPOSURE: Commercial payor allegations of fraud

.....MEDEFENSE™ Plus expands coverage beyond governmental audits to provide defense costs for commercial payor investigations for billing fraud.

STARK Coverage
EXPOSURE: Non-compliant referral agreements

.....MEDEFENSE™ Plus extends coverage to provide defense and indemnity (covering fines and penalties) for providers that are investigated for allegations of STARK violations.

EMTALA
EXPOSURE: Emergency Medical Treatment
Physicians that are involved in emergency medicine have regulatory exposure under the Emergency Medical Treatment Active Labor Act (EMTALA). Fines and penalties associated with violations of the act can run into the hundreds of thousands of dollars.

.....MEDEFENSE™ Plus provides defense and indemnity coverage if allegations of non-compliance are made against physicians who provide emergency medical care.

For more information: Call us at 1-800-318-9930 to speak with an agent