SELF.INSURED CLAIMS ADMINI STRATI ON AGREEMENT
This Self-Insured Claims Administration Agreement ("Agreement") is made and entered into by and between City of Commetce ("Client") and Keenan & Associates ("I(eenan") as of July 7r 2016 ("Effective Date'). Client and I(eenan are also referred to individually as a "purry" and collectively as the "parties."
RECITALS
A. Client has established a self-insured Workers' Compensation Program for the benef,rt of its employees ("Program").
B. I(eenan is a specialty insurance services provider with special expertise in the insurance and services needs of California school districts, municipalities, health care providers and their related entities and, as such, is qualifred to provide the services descdbed in this Agreement and other services that Client may request from time to time.
C. Client has requested that I(eenan perform claims administration functions for the Program as described herein.
AGREEMENT
The parties agree as follows:
1,, TERM:
The term of this Agreement is from July 1, 2016 through June 30, 2019 ("Term") unless extended or terminated eadier as provided herein.
2. KEENAN RESPONSIBILITIES AND SCOPE OF SERVICES:
A. I(eenan shall provide Client with the services described in Exhibit A and Exhibit A-1 ("Services") for all new and currendy open Workers' Compensation claims.
B. The relationship of the parties shall be that of independent contractor and each party shall at all times remain responsible for its own operational and personnel expenses. Under no circumstance shall any employee of one parry look to the other party for any payment or the provision of. any benefit, including without exception, workers' compensation coverage.
Except as may be expressly set forth in or contemplated by this Agreement, neither party shall have the right to act on behalf of the other, or to bind the other to any contract or other obligation.
C. I(eenan's services are lirnited to the specific obligations described herein. Client shall remain responsible for all other aspects of the Program. I(eenan shall not provide any legal, tax, or accounting service, advice, or opinion, and under no circumstances are the Serrices to be Kcenan & Associates - Licensc #0451271
Self-Insurcd Claims Administration Agreement
Confidential For Client Use Only
Rct,. 4/06/16
construed or interpreted as representing any such advice or opinion. It is Client's responsibility to seek the counsel of its own attorney on all legal issues and to consult with its own tax and accounting experts on all tax, accounting, financial matters relating to its operations, including without limitation, the establishment, implementation and operation of its Program.
D. I(eenan shall comply with all applicable state and federal Laws and regulations and obtain and maintain all necessary [censes, registrations , andf or permits necessary for the performance of its duties under this Agreement.
E. I(eenan reserves the right to engage independent contractors and/or subcontractors to assist it in performing the Services. The use of such individuals shall not relieve either party of any of its duties under this Agreement.
3. CLIENT'S DUTIES AND RESPONSIBILITIES:
A. Client, subject to the specific Services set forth herein, shall retain all final authority and responsibiliry and expenses incidental thereto unless specihcally assumed by I(eenan hereunder, and I(eenan is authorized to act on behalf of Client in connection with the Program only as expressly stated in this Agreement. Client shall retain final authority and responsibility and expenses incidental to the management of the Program and is responsible for all asPects of the Program except for the Services to be provided by I(eenan under this Agreement.
B. Client shall provide I(eenan vrith all applicable information in a timely manner so that I(eenan can fulfill its obligations under this Agreement. Client represents and warrants that all information provided to I(eenan shall be complete, accurate and timely and that I(eenan may rely upon such information without further investigation or review. Client understands and agrees that such information has not been audited by I(eenan and that Client shall remain liable for its accuracy.
C. Client shall provide I(eenan with timely access to such information and individuals including its outside advisors and consultants as may be necessary for l(eenan to perform the Services.
Meetings, telephone calls, and other necessary comrnunications shall be scheduled at the mutual convenience of the parties and their representatives. I(eenan shall not be responsible for any delay in its performance that results from the failure of Client or any person acting on behalf of Client to make available any krformation or individual in a timely maflner.
D. Client shall fund a claims payment account from which all claims payments and loss adjustment expenses shall be paid. The account shall be established and funded in accordance with written procedures to be established by the parties. Under no circumstance will I(eenan be required to advance any funds for the payment of claims.
E. To the extent I(eenan tequires the assistance of Client's staff or any thitd parties who are assisting, advising or representing Client to fulfill its obligations hereunder, Client shall have its staff and these third parties assist I(eenan.
Keenan & Associates - Licerce #0451271
Self-Insured Claims Adminisration Agreement
Confidential For Client Use Only Page 2 of 13
P.ev. 4/06/ 16
4. 晨
υ
F. Client understands that I(eenan is not providing any legal, tax or accounting services or advice and agrees to seek the counsel of its own attorney oo all legal issues or matters and consult with its own tax and accounting experts on all tax and accounting issues and matters relating to the services.
G. Client will comply with all federal, state and local reporting and Frling requiremeots for the Program.
COMPENSATION:
Client agrees to pay I(eenan for the services oudined in Exhibit A at the rates stated in Exhibit B and Exhibit C, all of which are attached hereto and incorporated herein by reference.
CONFIDENTIALITY:
I(eenan shall keep confidential all information concerning Client and its employees possessed by I(eenan, regardless of the medium thereof, except information that is generally available to the public. Except as authorized or required by law or in this Agreement, I(eenan shall not release any report, any portion thereof, or any result of any investigation it may undertake on behalf of the Client to any person outside of Client's organization without the express written consent of Client.
AUDIT:
If I(eenan is requested to disclose its books, documents or tecotds relating to the services provided under this Agreement, Client shall noti$, I(eenan in writing at least thirty (30) days prior to the inspection and/or disclosure date of the nature and scope of the request and I(eenan shall make available all such books, documents or recotds during I(eenan's regular business hours.
7. FINES & PENALTIES:
I(eenan shall pay any fines andf or penalties levied by regulatory authorities that (i) are imposed as a resulr of the improper denial of claims and (ii) failed to comply with the administrative rules, regulations and state laws governing Workers' Compensation, provided that such actions were not at the direction of or with the approval of the Client , were not the result of the failure of Client ot any individual acting on behalf of Client or claimant to timely provide complete and accurate information needed for the processing of claims, or the failure of the Client to adequately fund the claims payment account. Client shall pay all other fines and/or penalties relating to the Program or otherwise.
8. INSURANCE:
I(eenan shall procure and maintain, to the extent available on reasonable terms, the following minimum insurance coverages during the Tetm and shall provide certificates of insurance to Client upon Client's request:
I(eenan & Associates - Liccnse #0451271
Self-Insurcd (llaims Administration Agreement
Confidential For Client Use Only
Ret,.4/06/16
6.
(1) Workers' Compensation. Workers' Compensation Insurance in conformance with the laws of the State of California and applicable federal laws. (2) Bodily IniurT. Death and Properqv Damage Liability Insurance. General Liability Insurance (including motor vehicle operation) with a Two Million Dollar ($2,000,000) limit of liabiliry for each occurrence and a Two Million Dollar ($2,000,000) aggregate Iimit of liability.
(3) Professional Liabiliw Insurance. Professional Liabilirv Insurance with a Two Million Dollar ($2,000,000) limit of liability for each occurrence ar,d a Two Million Dollar ($2,000,000) aggregate limit of liabiJity.
(4) Cvber Liabiliw/Privacy Insurance. Cvber Liabiliw Insurance with a Two Million Dollar ($2,000,000) limit of liability for each occurrence and a Two Million Dollar ($2,000,000) aggregate limit of liability.
9. INDEMNIFICATION:
If either party breaches this Agreement, then the breaching party shall defend, indemni$, and hold harmless the non-breaching part1r, its officers, agents and employees against all claims, losses, demands, actions, liabilities, and costs (including, without lirnitation, reasonable attorneys' fees and expenses) arising from such breach. In addition, if I(eenan (i) becomes the subject of a subpoena or is otherwise compelled to testify or (ii) becomes the subject of a claim, demand, action or liability brought or asserted by one of Client's employees, Plan beneficiaries, or Plan vendors ("Third-Party Demand") relating to the Services and such Third-Party Demand is not a direct result of I(eenan's negligence or willful misconduct, then Client shall defend, indemnify and hold I(eenan harmless from all losses, payments, and expenses incurred by I(eenan in resolving such Third-Party Demand.
10. LIMITATION OF LIABILITY:
Notwithstanding anything to the contrary in this Agreement, in no event shall I(eenan be liable for any punitive damages, Iost profits or revenues, fines, penalties, taxes or any indirect, incidental or consequential damages incurred by Client, its offi.cers, employees, agents, contractors or consultants whether or not foreseeable and whether or not based in contract or tort or otherwise, arising out of or in connection with this Agreement even if advised of the possibility of such damage. Client further agrees that I(eenan's liability under this Agreement shall be limited to, and shall not exceed, the amount of insurance coverage oudined in this Agreement.
11. DISPUTE RESOLUTION:
A. In the event of any dispute arising out of or relating to this Agreement, such dispute shall be resolved by submission to binding arbitration before Judicial Arbitration & Mediation Services (JAMS") or ADR Services, at the claimant's choice, in Los Angeles County, Keenan & Associates - License #0451271
Self-Insured (llaims Administration Agreement
Confidential For Client Use Only
P.ev.4/06/t6
渕
B.
California, before a retired judge or justice. If the parties are unable to agree on a retired judge or justice, the selected arbitration service flAMS or ADR Services) will select the arbitrator.
In any such arbitration, the parties shall be entided to take discovery in accordance with the provisions of the California Code of Civil Procedure, but either party may request that the arbitrator limit the amount or scope of such discovery, and in determining whether to do so, the arbitrator shall balance the need for the discovery against the parties' mutual desire to resolve disputes expeditiously and inexpensively.
The ptevailing paffy in any action, arbitration, or proceeding arising out of or to enforce any provision of this Agreement will be awarded reasonable attorneys' fees and costs incurred in that action, arbitration, or proceeding, or in the enforcement of any judgment or av/afd rendered.
C.
12. TERMINATION:
A. Either parLy may terminate this Agreement upon the occurrence of any of the following events:
(5) Upon 60 days written notice by either party;
(6) The breach of this Agreement by either party if the alleged breach is not cured within 30 days of receiving notice of the bteach from the non-breaching party; (7) The dissolution or insolvency of either party;
(B) The Frling of a bankruptcy petition by or against either party (if the petition is not dismissed within 60 days in the case of an involuntary bankruptcy petition); or (9) If either parry interprets the application of any applicable law, rule, regulation, or court or administrative decision to prohibit the continuation of this Agreement or cause a penalty to either party if the Agreement is continued.
B. If Client requests that I(eenan continue to provide services under this Agreement after its expiration, I(eenan may agree to provide services and the Agreement shall be extended on a month-to-month basis until terminated by either paty. In such case and where appropdate, compensation shall be paid to I(eenan as agreed between the parties to the Agreement.
C. I(eenan shall return claim files, loss reports, payroll information and other documents and materials relating to the services provided under this Agreement to Client within a reasonable time aftet termination.
D. Upon termination of this Agreement, I(eenan shall be entitled to payment only fot the ptorata portion of the Term during which services were provided. Any monies paid to I(eenan in excess of this pro-r t^ amount shall be refunded to the Client.
Keenan & Associates - License #0451271
Self-Insured Claims Administration Agreement
Confidential For Client Use Only
Rev. 4/06/ 16
Page5of13
13. SOLICITATION OF EMPLOYEES:
During the Term, and fot a period of twelve (12) months following any termination or expiration of the Agreement, neither party shall solicit the employment or engagement of any employee or agent of the other party that interacted direcdy with the soliciting party; provided, howevet, the foregoing provision shall not prevent either party from soliciting fot employment or employing an employee who tesponds to general solicitations or advertisements in periodicals including newspapers and trade publications, so long as such solicitations or advertisements are not specifically directed at the employee(s) of the other party.
14. MARKETTNG:
I(eenan may use Client's name in its representative client List. I(eenan shall obtain Client's written consent before using Client's name for any other purpose. 1 5. OTHER RELATIONSHIPS:
A. Client understands that I(eenan or its affiliates may provide Client with other services or insurance coverage not pfovided in this Agreement and receive compensation related to such other services including, without limitation, loss control services, joint powers administration, insurance brokerage services, obtaining other reinsurance coverage for Client, claims administration, investigative services, financial processing and other related services.
B. Client also understands that I(eenan or its affiliates may provide services for others entities that also participate in the Program and that l(eenan may be separately compensated for those additional services. Such services may include, without limitation, providing similar services for other members of the Program or providing other services for insurers or teinsurers under the Program.
16. GENERAL:
A. This Agreement and its recitals and related exhibits and amendments (incorporated into this Agreement by this reference) contains the entire understanding berween the parties related to the subject matter covered by this Agreement and supersedes all prior and collateral statements, presentations, corrununications, rePorts, agreements or understandings, if any, telated to such subject matters.
B. All terms of this Agreemeot (other than l(eenan's obligation to perform services and Client's obligation to pay for such services) shall survive the expiration or termination of this Agreement.
C. Notwithstanding any provision herein to the cofltrary, this Agreement is made for the benefit of the parties and not for the benefit of any third party. Enforcement of any remedy for breach of this Agreement may oniy be pursued by the parties to this Agreement.
Kecnan & Associates - License #045'127'l
Self-Insured Claims Administration Agrcement
Confldcntial「 or Clcnt Usc Only
Rc、ア 4/06/16
D. No modificatiofls or amendments to this Agreement shall be binding unless in writing and signed by authorized representatives from both parties.
E. Any provision determined by a court of competent jurisdiction to be partially or wholly invalid or unenforceable shall be severed from this Agreement and replaced by a provision that is valid and enforceable and that comes closest to legally exptessing the intention of such invalid or unenforceable provision.
F. Neither party shall be liable or deemed to be in default for any delay or failure in performance under this Agreement resulring, direcdy or indirecdy, from acts of God, civil or military authority, acts of public enemy, wat, accidents, fires, explosions, earthquakes, floods, failure of transportation, machinery or supplies, vandalism, strikes, or other work interruptions or any similar or other cause beyond the teasonable control of either party.
However, both parties shall make good faith efforts to perform undet this Agreement in the event of any such circumstances.
G. All payments and invoices are due and payable upon Presentation by I(eenan. In the event Client fails to p^y any invoice within thirty (30) days of presentation, I(eenan shall be entided to receive interest on such outstanding invoice from the date of presentation at the rate of (a) 7Yz percent per month or (b) the maximum interest rate permitted by applicable law, whichever is lower. Keenan has the right to suspend performance of its Services if arty balance remains unpaid for more than sixty (60) days from the date of the invoice.
H. All notices hereunder shall be in writing and shall be deemed to have been duly given upon (1) delivery, or (2) when mailed by registered or certified mail, postage prepaid and properly addressed to the party, or (3) on the second business day after sending by fax and receiving confirmation of fax receipt. Notices shall be sent to the parties at the address or fax number indicated in the signature section below unless wtitten notice of a different address or fax number is previously glven. If a notice given to I(eenan relates to a legal matter or dispute, a copy should be sent to I(eenan's Legal Departrnent at l(eenan's main office located ^t
2355
Crenshaw Blvd., Ste. 200, Torrance, CA 90501, fax (310) 533-0573.
This Agreement may be executed in counterparts and by fax signatures. Each person signing this Agreemeot on behalf of a partl represents and warrants that he or she has the necessary authority to bind such party and that this Agreement is binding on and enforceable against such parり・
Kecnan&Associatcs― Liccnsc#0451271
Sclilnsurcd Claims Ad面 nistrauon Agrccmcnt
Conftdcntial For Chcnt Usc Only
Rcv 4/06/16
Administtator Senior Vice President
2355 Crenshaw Blvdo Ste.200
Commercc,CA 90040
Mike Casalou Doug McKibbin
Ciw of Corrlmerce ′
Signatur≦ 当 Sigュ ature: 、物π″秒1//
h TJrge鴨丘ム_″ノ｀ヽ、ヽ ヽ h TハぬSchiJ脇g ワ//
Titlc: Titlc:
Address: 2535 Commerce Vav Address:
TOrrance.CA 90501
Attention: Attention:
EXHIBIT A
SERVICES
Keenan shall perform the following services:
1.. Claims Administation.
A. Determine liability for claimed injuries and illnesses in accordance with California Workers' Compensation Laws.
B. Review and process all claims in accordance with rules and regulations established by the California Department of Self-Insurance Plans.
C. Establish files containing medical and factual information on each reported claim together with complete accounting tecords and maintain them in accordance with statutory time requirements.
D. Compute and pay temporary disabiJity benefits to injuted or ill employees based on earnings in formation and authoriz ed dis abiliry p eriod s.
E. Determine nature and extent of petmanent disability and arrange for informal disability rating whenever possible to avoid $Torkers' Compensation Appeals Board litigarion.
F. Explain to and assist employees in completing necessary forms for permanent disability ratings.
G. Review, compute and pay informal ratings, findings and awards, life pensions, and compromise and release setdements.
H. Maintain and establish teserve estimates for each repotted claim.
L Arrange for and supervise necessary investigation to determine eligibility for compensation benefits andf or liability of negligent third parties.
J Handle excess reinsurance claims on Client's behalf, complying with conditions of the reinsurance contract. Submit billings and collect paid losses in excess of self-insurance retention.
I(. Arrange and supervise tehabilitation services where appropriate.
L. Pay claims and loss adjustment expenses in accordance mutually agreed upon, written claims payment guidelines established by Client andf or I(eenan, as applicable.
M. Use reasonable efforts to maintain the designated claims examinet's claim inventory so it does not exceed 150 active open indemnity fi.les at any given time.
Keenan & Associates - License #0451271
Self-lnsured Claims Administration
Confidential I.or Client Use Only
@er) 4/06/16
2. Medicql Adminiqtration.
A. If Client participates in the Medical Provider Network ("MPN") which the State of California approves, then I(eenan will select, with Client's approval, a medical provider panel of general practitioners, specialists, hospitals and emergency treatment facilities to which injured employees should be referred. The panel will be teviewed and updated on at least an annual basis. I(eenan will work with Client to formulate medical ptovidet panels in order to derive maximum benefit from legislative (SB 899) medical control changes.
B. Authorize, review and monitor medical treatment required for injury or illness claims. Audit and pay medical expenses through PzuME, I(eenan's medical management and Bill Review program. PRIME services will be billed separately to the Claim File. See Exhibit C.
C. Maintain close contact with Client andf or treating physicians to ensure employees receive proper medical treatment and are returned to full employment at the earliest date.
D. Arrange for medicalJegal opinions in disputed cases and confer with medical examiners, Client and legal counsel when needed.
E. Consult with Client in cases where an injury residual might involve restriction andfor retirement potential.
3. Legal Administration.
A. Recommend defense attorneys to the Client; receive Client's written approval and acceptance of counsel. Counsel shall, once accepted by Client, defend Client's interest in all cases that are subiect to litigation before the Workers' Compensation Appeals Board and the courts.
All attorney fees shall be considered part of the loss adjustment expenses and shall be paid from the client's claim's account.
B. Work closely with counsel in preparing defense of litigated cases.
C. I(eenan will also work closely with claimants and Client's legal counsel to informally dispose of litigated cases.
D. Work closely with counsel in an effort to protect and preserve Client's interests in potential subrogation cases.
E. Attend, when appropriate, and as agreed in advance by the parties, W'otkers' Compensation Appeals Board hearings on behalf of Client.
-1. Risk Manasement Services.
A. Review and update Client on Workers' Compensation benefits, rules and regulations, and legislative issues.
Kecnm & Associates - License #0151271
Self- Insured Claims Administration
Confidential For Clicnt Usc Only
ger) 4/06/16
B. Communicate with injured employees telephonically or in wdting to assist them in resolving problems that arise from injury or illness claims.
C. Meet quartedy with Client to review best practice policies and procedures, recofiunend areas for improvement and assist Client in implementing improvements.
D. Produce ad hoc reports as needed to provide meaningfi.rl loss analysis to aid in risk management program development and tracking.
5. Statistical.
A. Report to Client monthly status of claim payments and reserves on an individual basis and in the aggtegate.
B. Report to Client quarterly loss analysis of claims filed by frequency and severity.
C. Provide quarterly PRIME (medical management and bill review) reports detailing savings and fees.
D. Assist in the preparation of all reports required by the State of California or other government agencies relating to $Torkers' Compensation claims.
Keenan & Associates - License #045127 I
Self-lnsured Clams Admnistration
Confrdential Iior Chent Use Only
(l{e! a/06/16
2. 3.
4. t.
EXHIBIT A-1
MEDICARE SECTION 111 SERVICES
It is acknowledged and agreed that Client is the Responsible Reporting Entity ("RRE"), as defined by the Center for Medicare Services ("CMS"), for any liability or workers' compensation claim settlement or payment made by Client to a claimant. This includes payments made within the Client's Member Retained Limit ("MRL") or deductible.
I(eenan shall act as Client's reporting agent for the preparation and submission of all reports ("Reports") required under Section 1,1,1, of the Medicare, Medicaid and SCHIP Extension Act of 2007 ("Section 111") with respect to those setdements and payments of claims for which I(eenan acts as claims administrator, and for which Client is deemed to be the RRE.
I(eenan shall prepare and file the Reports in accordance with the requirements of all applicable, laws and regulations, and the directives of CMS andf or any other government agency that has, or may be granted the authority to require, direct, or control the preparation and/or hling of the Reports.
Client shall timely provide l(eenan with all infotmation necessary for the preparation and filing of the Reports. I(eenan shall have no liability to Client for any penalty or fine that is assessed against Client for a failure to file a timely, accurate andf or complete Report if such failure was the result of the failure Client or any of its respective employees, representatives or agents to provide I(eenan with all information oecessary to file a timely, accurate, and complete Report.
5. I(eenan shall not issue a payment to a claimant until it has received from the claimant, or the claimant's representative, all necessary claimant information that is required for the frling of a Report.
I(.eenan, as Client's manager and claims administrator, shall have no responsibiliry to file any Report for any settlement or payment for which Client is not the RRE,.
Members shall at all times be responsible for their own Section 111 compliance in situations where they are the RRE,. This includes, without limitation, the determination of whether or not a Report must be submitted, as well as the preparation and filing of all Reports.
When the total payment for a claim exceeds Client's MRl/deductible, I(eenan will submit a Report only for that portion of the claim that is paid from the Client's MRl/deductible. The insurer or other entity paying the remaining amount is responsible for reporting for the amount in excess of that paid by the Client.
I(eenan shail. no! file a Report for any claim unless it has been engaged by Client to act as the third party administrator for such claim.
6. 7.
8. 9.
Keenan & Associates - License #0451271
Self- I nsured Clarms Admnistrauon
Con6dential For Client Use Only
(Rev) 4/06/t6
EXHIBIT B
COMPENSATION
1. Client agrees to pay I(eenan, fot services rendered under this Agreement, a total fee of:
A. $18,750, payable in full onJuly 1,2016.
B. $30,000, payable in full onJuly 1,2077.
C. $35,000, payable in full onJuly 1,2018.
2. All payments and invoices are due and payable upon presentation by I(eenan. In the event Client fails to pay any invoice within thirty days of presentation, I(eenan shall be entided to teceive interest on such outstanding invoice from the date of ptesentation at the rate of (a) 71/z percent per month or (b) the maximum interest rate permitted by applicable law, whichever is lower.
Ktcnan&AssoctatCS― Llccnsc#0451271
Selilnsurcd Clalms Adalmistraton
Confldendal「 or Ctcnt Use Onlb・
ec→ 4/06/16
Pagc 12 of13
A Keenan Solution
Fee Schedule - Effective July 71 2075
(Subject to change upon notice)
MANAGED CARE SERVICES
Early Intervention Initial Assessment / Triage .......... $50 / Hour Total Case Management $98 / Hour
. PPO Channeling
. 4 PT Contact
. Initial Evaluation
. RTWPlan
. Medical Care Evaluation
. Written/Case Management Action Plan
Utilization Review ... $110 / Referral
Physician Advisor ... $200 / Referral
. NledicalNecessiryDetermination
. Physician-to-PhysicianContact
Specialty Physician Review $375 / Hour
. Specialry match required
. Appeals
STOP (Pharmacy Review) $300 / Hour
. Peer-to-Peer Contact
. N{anagement of Opioid Use
. \iTritten Treatment Plan / Recommendations
Keenan & Associates - License #0151271
Sclf-lnsured Claims Administratron
Confrdential For Client Use Only
Eer) 4/06/16
EXHIBIT C
BILL REYIEW SERVICES
Price bills to State Fee Schedules .. 10% of Savings
. $10,000 per bill cap regardless ofsavings
PPC) NetworkAccess ........... ..........24Yo of Savings . $10,000 per bill cap regardless of savings
. Retrospective Network Caprure
. Preferred \/endor Pricing (Ancillary Services)
MPN Access ..... $1.50 per MPN bill
. Care ConciergerM Medical Access Assistant
. Physician Based Outcome Analytics
Pharmacy Benefit Management ..... 20o/o of Savings
Negotiations 24o/o of Savings
Complex Bill Review by Physician 24% of Savings
eBill Access ..... No Charge to Client
State Reporting Administrative Fee .............. No Charge to Client