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Claims Process |
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| We know claims processing can be quite a challenge. |
We know how complex and vexing medical claims processing can be in the United States.
In fact, given the reality that medical professionals who provide consultations,
specialty treatment or emergency room assistance submit medical bills independent
of the hospital charge master (UB 92), it is not uncommon to receive “straggler”
invoices up to several months after the crewmember has been discharged.
This can be particularly troublesome to a vessel owner or operator, as a delayed
or “misplaced” bill can plague a vessel in the form of a maritime lien – an
embarrassing and costly transaction with the potential of adversely impacting
time-sensitive commerce. |
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We take the headache out of claims processing-saving you time, money,
and frustration.
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MHS professionally manages the medical claims process from start to finish.
First and foremost, we vet each and every foreign crewmember that we service on your
behalf to best understand his or her medical care needs. Once MHS engages its medical providers
to examine and treat the patient, we validate if the crew member or his/her employer is enrolled with
a designated preferred provider organization (PPO), health maintenance organization (HMO) or entitled
to any other private US-based medical insurance plan. Additionally,
MHS’s familiarity with statutorily-based insurance regimes (e.g., State Workers’ Compensation) enables
us to avoid confusion and billing mismanagement that could lead to improper payments.
We recognize that it is common for foreign crew members to be ineligible for discounts afforded to
employees covered by PPOs, HMOs or workers compensation. That is why we partner with some of the
most capable medical providers and specialists in the port to forge the ability to offer a discount to foreign
crewmembers employers. More importantly, our claims-processing protocol guarantees that all
medical bills – regardless of their origin – are rapidly processed, reviewed and submitted to the
designated party in an expedited fashion. These invoices are replete with documentation and authorized
procedure codes so that they are “audit ready.”
The medical bills you receive from MHS are the actual invoices from the medical provider.
As MHS is not a medical provider we do not “mark up,” “pad,” or in any way add to the
medical expenses accrued by the patient. Our goal is to ensure the network of medical providers that
we have teamed with is reimbursed in a prompt fashion. This permits MHS to offer a discount to employers
or their insurance representatives without the need of expensive insurance premiums or PPO/HMO membership.
Better yet, we guarantee that you will not be troubled or faced with untimely processed medical bills that
prevent accurate and timely reconciliation of outstanding medical expenses. |
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Our claims process was designed with your best interests in mind.
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Our medical providers are keenly aware of the importance of balancing thorough medical treatment
with an expeditious return of the crew member to his or her vessel. Hence, we not only orchestrate
round-the-clock specialty care for your crews but keep all authorized parties (e.g., agents, ship owners,
P&I club representatives) completely apprised of the patient’s status. As your premiere crew medical
service provider we stand by our network of medical providers to ensure that all the claims and bills
associated with this first class medical care are promptly and professionally processed.
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