Wiki Cigna Audit on Substance abuse Treatment Centers

campglo

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Hello Everyone!

I wanted to know if there was any behavioral health providers experiencing an audit with Cigna. They have closed 5 treatment centers in Palm Beach.

Currently Cigna will not be issuing anymore policies in the State of Florida. Existing Individual Policies are now being investigated for proof of residency . They advised that they sent this to many patients to verify and if the patient does not contact insurance they will mail them a check with all the premium payments made to date and terminate their policy and retro back insurance reimbursements due to policy fraud.

Now when your verifying benefits as a provider you will not know that the patient is under Residency verification . A couple of our patients received this letter and we have contacted the insurance but we are now in a dilemma of contacting all of our Cigna patients in-house and discharged that have an individual policy that was purchased this year. Hope this helps anyone and if someone can shed light if they may know something.
 
This is mainly effecting ACA plans. In FL those plans will start with the number 7. I am guessing that the reason for this crackdown is in response to some SA facilities having marketers go out and purchase the plans for the patients so that they will go to their treatment center.

What might be a good protection for your facility (assuming that you are not buying policies) Is to make sure that the patient signs an affidavit saying that their insurance policy is self purchased and not funded in any way by your facility. I think that residency is a weak position from Cigna since the ACA marketplace does not have strict residency restrictions as long as you are currently present in the state in which you are buying coverage and have "intentions" on remaining there.

Hope this helps
 
Yep your correct these ID's start with a 7 . We are aware of multiple facilities getting these marketers going out and getting these clients and buying policies for them which of course is a conflict of interest . Then when done with treatment they do not keep the policy which has raised suspicion. This has now been affecting the industry as a whole. I think the residency restrictions is weak too but this is a way for them to detect that these policies were fraud. I am anxious to find out what Cigna does . I have heard that facilities up north have obtained an attorney to resolve the fraud accusations against them. Thanks a lot Cavalier40
 
One more quick thing

I think the reason Cigna is looking at residency is because many "outpatient" treatment centers with community housing tend to require their clients to officially change their address to the facility. They do this for Pay to patient clients as well. It would be easy to look at the ownership of the place of the address and the ownership of the facility.

Just another thought.
 
Cigna audit and shut downs?? Further info??

Hello,

Does anyone have any further information regarding these "shut downs" that are mentioned in the thread? Which centers were ? or why they were ? was there reasoning and also who shut them down???

I would like to discuss this further, as I have seen this issue with an Audit currently but there is no information of anyone in Florida that has been "Shut down" in Palm Beach.

Can someone confirm any of this? Also we have had the Audit hit one of our locations and we are cooperating with Cigna.

Thank you for your time and help!

Jennie Golden-Losee, C.P.C.
 
Coming from someone who has directly dealt with these Cigna audits in south Florida for many facilities,
Cigna is not directly "shutting down" facilities, but indirectly, facilities are shutting down because of this audit.

First off, there is nothing wrong with living in a halfway house and opening up a marketplace 792 policy (no linger available/active 2016). If you are now a resident of florida and living at a sober home, you qualify to open those policies when they were available through the marketplace. The first letter is "proof of residency" which the clients sends back in- then the 'real' letter comes...they send out to the insured ask them things such as "did you know you were going to an out of network facility" "did you know you were being billed at OON rates" "did you pay your deductible" "are you paying your co-insurance, (show us statements of payment)" "DID THE FACILITY PURCHASE YOUR POLICY FOR YOU?" They want to catch these facilities in "fee forgiving", not collecting DED and co-insurance. They are upset because these 792 policies are paid for (with a ACA premium), they pay out massive amounts of money for treatment, and then the policies term for non-payment, and they are left with a huge financial loss with no way to recoup. And Cigna is right for being mad, but frankly, they should also be mad at themselves. Who opens up a PPO in the capital of out of network substance abuse facilities? It was poor research on their end, they should never have chosen Florida to go on the marketplace as THE ONLY PPO, and now they are trying to clean up their mess.

As far as "shutting down" facilities, this is not true. At this point i know the Cigna SIU unit in Sunrise by first names. What they are doing is they are either sending audits or visiting facilities and auditing 35-40 patient medical records (primarily 792 but I've done audits containing U policies as well). For facilities that have good MR notes, they may pass the audit, Cigna lifts the payment ban, and they continue taking Cigna clients. But if the facility have bad medical records, that do not reflect the level of care authorized by Cigna/HealthSpring pre-cert team, they come back asking for every single cent since the facility opened their doors. This is causing facilities to shut their doors. So, I don't believe any one SIU Unit for an Insurance Company has the authority to shut down a facility. They can stop payment. They can ask for all payments back (causing the facility to be millions in debt and have to close their doors) or if they have information proving Kickbacks or Fee-forgiving, and provide that to the FBI, the FBI can come in and close a facility's doors. But shutting down a facility is out of their reach.

Facilities that do have good MR and can prove everything is in order 2 things happen; either Cigna lifts the ban, or Cigna just drags out the audit, "we are still in the process of reviewing the medical records" I have one lab that was opened and within 7 days the audit happened. There was only a week worth of claims and payments made, everything is perfect 100% per Cigna's Standards and Guidelines, and Cigna is still dragging their feet to lift the ban. But why would they? they don't want the OON lab being able to bill for UA samples tested. This was in July 2015. However, I have facilities that have had the ban lifted because they had impeccable notes showing medical necessity, and they are taking Cigna policies and receiving payment. And I have facilities that they have requested all the money back since they opened the doors because Cigna's "independent medical review specialists" deemed the notes insufficient. Cigna also claims to be outsourcing to an independent medical review team, but in actually, how independent can they be if they are being paid by Cigna?

Cigna is now trying to force their insured to only be able to do in-network treatment. Facilities that have all inclusive in-network SA/MH services, from detox to inpatient to php to IOP to OP. They have strategies in place for "pay-per-performance, and outcome based incentives" and are even trying to keep the clients in their home state. (This i personally disagree with, often an addict needs to change his persons, places, and things in order to maintain sobriety. Cigna is trying to say if you have a facility near your home, they don't want to cover you coming to Florida. I don't see them having a case for that, but this is based on my opinion, which I won't get into)

Cooperation with Cigna is your only option.
 
You couldn't have said it better robertjsenese

I totally agree with you and you could not have explained this any better. I am in Palm Beach I have seen some of the facilities not operating just as you say due to the ban of payment and them having to pay back millions. Some facilities are ignoring Cigna closing down and reopening and some are cooperating however their medical records are not up to par. Cigna is looking to make sure that the therapist are licensed , clinical director licensed and the Urinary Drug screens were another big concern . They were getting hit from the facility and if they sent it out the confirmation lab was also billing. In addition to these patients discontinuing their premium payments they have taken a huge loss. Your only option is to comply with Cigna especially if you have proof and well documented medical records. Currently we are in negotiation process with them as far as what we owe them back and them paying out on outstanding claims. They have no mercy on the treatment centers and they will place the facility on a fraud list which they do advise other insurance carriers of the behavior of the treatment center. The next state that is going to be hit hard with this audit is New York per Cigna source.
Hope this helps.
 
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