There are many reasons why dedicated claims units are a better option for managing claims.
Ultimately, it is the relationship you build with your claims adjuster that provides true value. Because you are part of the hiring process and your adjuster works solely on your organization’s claims, dedicated adjusters serve as an extension of your internal risk management team. Each adjuster has a vested interest in the success of your risk management program.
Better Financial Results
Most TPA's market a low fee-per-claim model. This means they use additional services in an assembly line method that enhances revenue for them but does not necessarily result in real dollar savings. Our dedicated unit customers realize that the best claim results come from teamwork, and the goal of risk management is not to see how many claims each adjuster can handle, but to achieve better results.
Risk Management Assistance
In addition to claims management, dedicated adjusters can work on other areas of risk management for your company. For example, they might write a return-to-work program, educate staff on claim reporting, assist loss control, build relationships with doctors and other entities, and more. Because they can be on-site, communication is quick, and you as the risk manager can set their agenda to meet the changing demands of your risk management program.
Transparent Pricing Without Conflict of Interest
Our dedicated unit model offers ASC services on a cost plus basis. Additional services for medical management, investigative services, etc. are available at rates well below those quoted in a fee-per-claim arrangement. ASC is a transparent third party administrator.
ASC developed our dedicated unit model to avoid the overloaded, multiple account adjuster scenario. Customers find that the cost of having an adjuster on-site is less than the traditional fee-per-claim model because we are able to provide the TPA flexibility for managing your expenses. Savings are realized because customers provide the office space, equipment, supplies, phone, internet service, etc.
Both our dedicated claims units and the traditional claims approach allow ASC adjusters to attend your staff meetings, work with your safety professionals, and interface directly with your employees. This personalized level of service produces significant and positive claims results.
Customers have the option of using their own bank account or they can have ASC set-up a claims payment account.
ASC partners with Taylor Communications which allows outsourcing of check processing and mailing at a fraction of the cost of managing this process on-site. Digital signatures may be used on the checks for authorized personnel. Additionally, linkup printers can be installed on-site to print settlements from blank stock checks. Payments may also be sent via ACH.
Claims Management Confidentiality
ASC's claim system by Marsh ClearSight, contains many robust security features including restricting information based on specific criteria you define and control. Security features include:
- Accessing/updating capabilities limited by terminal/operator codes
- Multilevel access and payment level authority codes
- Limited access to routines
- Established levels of authority on reserves, payments, and other transactions
- Prohibition of payments in excess of authority, on contested claims, and claims with low reserves
"It gives me great pleasure to recommend ASC. Kathy’s ability to build strong, sound, relationships is impeccable, giving her the skills to effectively communicate and follow through in all regards with high quality initiative and work standards. Her integrity, dedication, and positive ethical values allow her to best represent each company in regard to their policies and standards in the most difficult of situations." City of Cedar Falls, Iowa