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Exhibit 10.5
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ONE HEALTH PLAN OF FLORIDA, INC.
COMPLETE WELLNESS INDEPENDENT PHYSICIAN ASSOCIATION OF
FLORIDA, INC.
POS MEDICAL GROUP AGREEMENT
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TABLE OF CONTENTS
1. DEFINITIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
2. TERM AND TERMINATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3
3. GROUP COMPENSATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
4. MODIFICATION OF RATES AND FACTORS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
5. RESPONSIBILITIES OF THE COMPANY. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
6. RESPONSIBILITIES OF THE GROUP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
7. UTILIZATION MANAGEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
8. SELECTION AND TERMINATION OF PARTICIPATING PHYSICIANS. . . . . . . . . . . . . . . . . . . . . . . . 10
9. COORDINATION OF BENEFITS AND SUBROGATION/RIGHT OF RECOVERY . . . . . . . . . . . . . . . . . . . . . 10
10. RIGHT TO AUDIT AND ACCESS INFORMATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
11. INDEPENDENT CONTRACTOR . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
12. LIABILITY INSURANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
13. INDEMNIFICATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
14. NON-EXCLUSIVITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
15. PROPRIETARY INFORMATION; TRADEMARKS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
16. GENERAL PROVISIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
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EXHIBITS
EXHIBIT I: DESIGNATION OF PARTICIPATING PHYSICIANS . . . . . . . . . . . . . . . . . . . . . . . . . . 16
EXHIBIT II: GROUP COMPENSATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
EXHIBIT III: FEE SCHEDULE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
EXHIBIT IV: UTILIZATION MANAGEMENT . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
EXHIBIT V: AMENDMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
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ONE HEALTH PLAN OF FLORIDA, INC.
POS MEDICAL GROUP AGREEMENT
This is an Agreement between Complete Wellness Independent Physican
Association ▇▇ ▇▇▇▇▇▇▇, ▇▇▇.,▇▇▇▇▇ ▇.▇.▇▇ ▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇,▇▇.▇▇▇▇▇,
and One Health Plan of Florida, Inc. ("Company"), ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇, ▇▇ ▇▇▇▇▇, entered into as of the 1st day of March,
1998 (the "Effective Date") and made for the purpose of setting forth the terms
and conditions under which Group will participate in one or more networks of
providers developed by Company to render health care services to Members, as
defined in this Agreement. On the Effective Date, this Agreement supersedes and
replaces any existing agreements between the parties relating to the provision
of health care services to Members.
WHEREAS, Company operates as a managed care company in the State of
Florida and provides or arranges for health care services and performs
administrative services; and
WHEREAS, Company maintains contracts with health care facilities,
physicians and other health care providers each of whom has agreed to provide
health care services to Members, has agreed to certain rates of payment or
reimbursement for their services, and has agreed to abide by certain procedures
in order to manage the quality and cost of the health care services provided;
and
WHEREAS, insurance companies, health plans, employers and other
entities (all hereinafter referred to as "Payors") maintain insurance policies,
plans or other arrangements whereby persons covered by such policies, plans or
arrangements are entitled to receive, or are entitled to indemnification or
reimbursement of the cost of health care services rendered by health care
providers, and are entitled to a higher level of service, payment or
reimbursement if they use certain designated health care providers, thereby
encouraging members person to use the designated providers; and
WHEREAS, Group means the above-referenced Group, which is an IPA,
partnership, association, corporation or other legally constituted entity
existing under the laws of the State of Florida organized to provide
professional medical services (1) whose Group Physicians share facilities,
records, administrative services and/or personnel and (2) which can bind its
Group Physicians to the terms of this Agreement.
NOW, THEREFORE, in consideration of the premises and the mutual
covenants and undertakings hereinafter set forth, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged,
the parties agree as follows:
1. DEFINITIONS. For purposes of this Agreement:
(a) "Affiliates" means any entity controlled by or which
controls Company or Group. Control will mean the right to direct the
management of the affairs of the other entity.
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(b) "Benefit Contract" means a contract issued by or an
arrangement maintained by Company or Payor that is in effect with any employer,
labor union, association or trust under which payment for health care services
is provided, and which provides financial incentives for the use of designated
health care providers.
(c) "Company Medical Director" means a licensed physician
engaged by Company to supervise and direct the conduct of the Utilization
Management program.
(d) "Contracting Provider" means any medical group or
medical organization, physician (also referred to herein as "Contracting
Physician"), hospital (also referred to herein as "Contracting Hospital") and
other health care providers, who have entered into a written agreement with
Company to provide Covered Services to Members.
(e) "Contract Year" means a period of twelve (12) months
commencing on either the Effective Date of this Agreement or any subsequent
anniversary of the Effective Date of this Agreement.
(f) "Covered Services" means only such medical care,
treatment and supplies that (1) are provided by licensed health care providers
to Members and (2) are benefits under the terms of such Members' Benefit
Contracts.
(g) "Emergency" means the sudden, unexpected onset of a
medical condition manifesting itself by acute symptoms of sufficient severity,
including severe pain, such that the absence of immediate medical attention
could reasonably be expected to jeopardize life, cause serious injury to or
impairment of bodily functions or cause serious injury to or permanent
dysfunction of any bodily organ or part. All determinations of whether or not
an Emergency exists will be subject to retrospective review and approval or
disapproval by the Company Medical Director pursuant to the Utilization
Management program.
(h) "Group Medical Director" means a licensed physician
appointed by Group to be responsible for managing and directing the Group
Physicians rendering Covered Services to Members.
(i) "Group Physician" means a physician who is a member
of or is employed by or has contracted with Group and has agreed to provide
Covered Services pursuant to this Agreement. Group Physician includes any
physicians not contracting with or employed by Group who have agreed to
temporarily cover Group Physician's practice.
(j) "Member" means any individual covered under a Benefit
Contract or other contract issued by Company or Payor.
(k) "Payor" means an entity or person authorized by
Company to designate one or more of Company's Contracting Providers and who has
financial responsibility for payment of Covered Services.
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(l) "Pre-Certification" means a determination in
accordance with Company's Utilization Management program.
(m) "Primary Care Physician" means a Group Physician, as
designated by Group and approved by Company, who practices as an Internist,
Pediatrician, Family Practitioner or General Practitioner and with whom a
Member has established a physician-patient relationship pursuant to which that
physician has responsibility for ongoing care of that Member in both health
maintenance and therapy for illness or injury, for maintaining overall
coordination and continuity of patient care, and for initiating referrals for
specialist care for that Member.
(n) "Utilization Management" means the program
administered by Company with the specific goal of determining whether or not
care or treatment meets the requirements of Section 6(l) hereof. The
Utilization Management program is described in Section 7, and may include also
without limitation (1) pre-admission review, (2) concurrent review, (3)
retrospective review and/or (4) case management.
2. TERM AND TERMINATION. The initial term of this Agreement
begins on the Effective Date of this Agreement and will continue in effect for
a period of twelve (12) months. Thereafter, this Agreement will automatically
be renewed for successive one (1) year terms until terminated as herein
provided. This Agreement will terminate as specified within the initial term
or thereafter upon the occurrence of any of the following events:
(a) Automatically and without notice upon the
cancellation of Group's general or professional liability insurance maintained
in accordance with Sections 12(a) and 12(b); or upon Group's suspension by a
State or the Federal Government from participation in the Medicare or Medicaid
programs due to fraud or abuse.
(b) Upon thirty (30) days prior written notice from
Company to Group if any action is initiated against Group or any Group
Physician of a kind specified in Sections 6(n) or 6(o) hereof and if no bona
fide attempt by Group is made to rectify the action initiated against Group or
any Group Physician, and the conditions giving rise to the action, during such
thirty (30) day period.
(c) Upon sixty (60) days prior written notice from
Company to Group if Group or any Group Physician changes affiliations,
admitting privileges or specialty status in such a way as to substantially
limit Group's range of services or access to Contracting Hospitals.
(d) By either party, by written notice thereof, if the
other party commits a material breach of any warranties, covenants or
obligations, provided that the breaching party fails to cure that breach within
thirty (30) days after written notice of default is given by the terminating
party.
(e) Automatically and without notice on such date as
either party becomes insolvent, or is adjudicated as bankrupt, or its business
comes into possession or control, even temporarily, of any trustee in
bankruptcy, or a receiver is appointed for it, or it makes a general
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assignment for the benefit of creditors. No interest in this Agreement will be
deemed an asset or liability of either party, nor will any interest in this
Agreement pass by the operation of law without the consent of the other party.
(f) By either party if at least forty-five (45) days
prior written notice is given that it rejects any modification of Section 3
Group Compensation and elects to terminate this Agreement, such termination to
be effective at the end of the last day before such modified rates or factors
would become effective.
(g) Immediately upon written notice from Company if Group
makes or has made any untrue statements of material fact or any intentional
misrepresentation of any fact, whether or not material, in any claim for
payment, in any application form or questionnaire or in any statement made by
Group to Company.
(h) Upon ninety (90) days prior written notice, given
with or without cause by either party to the other.
(i) If any action of a kind specified in Section 6(o) is
initiated against a Group Physician, the Company may, in lieu of or in addition
to terminating Group as provided in Sections 2(a) and 2(b) above, terminate
such Group Physician's authority to provide Covered Services under this
Agreement effective immediately upon notice thereof.
(j) Immediately upon written notice from Company if Group
fails to make refunds as specified under Section 6(i)(ii) or if Group fails to
make payments as specified in Section 6(m).
(k) Following the effective date of termination of this
Agreement, this Agreement will be of no further force or effect except that
each party will remain liable for any obligations or liabilities arising from
activities undertaken prior to the effective date of termination. Upon any
such termination or withdrawal of a Group Physician, whether by termination of
this Agreement or otherwise, the Company shall continue to be liable to pay in
accordance with Section 3 hereof and the Fee Schedule in effect immediately
prior to such termination for Covered Services rendered by that Group Physician
under the terms and conditions of this Agreement to any Member who under the
care of that Group Physician at the time of such termination or withdrawal, and
that Group Physician shall continue to provide such Covered Services until the
current episode of care is completed, unless reasonable and medically
appropriate arrangements for the assumption of such care by another provider
are made. The Group shall be responsible for cooperating with the Company in
order to make reasonable and medically appropriate arrangements for the
assumption by other Group Physicians for the care of Members who are under the
care of any terminated or withdrawn Group Physician.
3. GROUP COMPENSATION. Company or Payor will compensate Group as
described in Exhibits II and III.
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4. MODIFICATION OF RATES AND FACTORS. Company may propose
changes to the rates or factors in Section 3 Group Compensation by giving
written notice at least ninety (90) days prior to the end of any term of this
Agreement. If the proposed rates are unsatisfactory to Group, the parties
agree to meet and discuss in good faith the proposed changes. If no agreement
can be reached, either party may elect to terminate this Agreement pursuant to
Section 2(f). Otherwise, the proposed rates will become effective on the first
(1st) day of the next term of this Agreement.
5. RESPONSIBILITIES OF THE COMPANY.
(a) Regulatory Compliance. Company will comply with all
requirements of the law and regulations of governmental agencies relating to
the business of health care and any other business in which Company is engaged
relating to this Agreement, and will obtain and maintain in effect all permits,
licenses and governmental approvals necessary for that purpose.
(b) Promotion. Company and Payor will make available and
promote the Benefit Contracts, subject to the standards of lawfulness,
reasonableness and protection of the health and interests of Members.
(c) Claim Payment. Company or Payor will pay or arrange
to pay for all Covered Services as set forth herein.
(d) Utilization Management. Company will conduct a
Utilization Management program in accordance with the provisions of Section 7
hereof.
(e) Member Access. Company will use its best efforts to
contract with sufficient physicians and other health care providers to allow
Members access to medical services to the extent required by applicable law and
regulations of governmental agencies relating to the business of health care
and any other business in which Company is engaged relating to this Agreement.
(f) Member Identification. Company or Payor will supply
Members with a means of identifying themselves to Group and/or a Group
Physician (e.g., an identification card) which indicates the Member's
participation in a Benefit Contract. Group and each Group Physician will make
a good faith effort in using the Eligibility/Benefits Verification telephone
number on the identification card to confirm that the individual presenting a
Company identification card is in fact the Member whose name appears on Company
identification card and is eligible for coverage.
(g) Designation. Company will provide written notice to
Physician of all Payors which have designated Physician.
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6. RESPONSIBILITIES OF THE GROUP.
(a) Member Access. Unless otherwise approved by Company
Medical Director, Group will by staffing, contracting or referral provide
medically appropriate access in accordance with applicable laws and regulations
to the services of Group Physicians who are board certified or eligible and
practicing in the full range of medical specialties. As part of Company's
credentialing process, the names, addresses, medical specialties and medical
license numbers of all Group Physicians in addition to all tax identification
numbers under which each such Group Physician bills for medical services, and
updates thereof, must be supplied to Company in written documentation or
material. In the event that the Group or Group Physician plans to close or
reopen its practice to new Members, Group or Group Physician will provide
Company with at least sixty (60) days prior written notice of such plans.
(b) Quality of Care. Group will ensure that medical and
health care services are rendered by Group Physicians in a manner which assures
availability, adequacy and continuity of care to Members, both during the term
and as required after termination hereof, and that all decisions pertaining to
health care services to be rendered by Group Physicians to Members are based on
such Members' medical needs and are made by or under the supervision of
licensed physicians. Group and Group Physician's primary consideration shall
be the quality of health care services rendered to Members. Group will remain
solely responsible for the quality of medical and health care services provided
by Group Physicians and will ensure such services are rendered in accordance
with professionally recognized standards. In the event that Group denies
services to any Member or any Member experiences an adverse outcome, Group will
notify Company within two (2) days of such an event.
(c) Hours of Coverage. Group shall ensure that Covered
Services are available from Group Physicians or by referral to other physicians
by keeping office hours of at least forty (40) hours per week, except for weeks
including holidays, and that Covered Services are available until at least nine
o'clock p.m. at least one (1) day per week and for at least four (4) hours each
Saturday, except for Saturdays falling on holidays.
(d) Member Referral and Transfer. When referrals are
appropriate, Group and each Group Physician will follow the procedures in the
Provider Handbook and refer Members to Contracting Providers and admit Members
to Contracting Hospitals. In the event a Member requires transfer to a
Contracting Hospital, Group will cooperate with such transfer provided that
such activity is consistent with good medical judgment and applicable law.
(e) Referrals Among Groups. Group will accept
non-Emergency or specialty referrals from other medical groups participating
with Company and such other medical groups will be required to accept
non-Emergency and specialty referrals from Group. Payment to Group will be at
rates not to exceed those in the Fee Schedule as shown in Exhibit III.
(f) Hospital Privileges. Group will ensure that Group
Physicians have admitting privileges at contracted hospitals which meet the
requirements for the hospital services
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to which Members are entitled. Alternatively, Group will arrange for the
provision of such services.
(g) Group Medical Director. Group will appoint a
licensed physician to serve as Group's Medical Director and to be responsible
in such capacity for managing and directing Group Physicians' rendering of
Covered Services to Members.
(h) Prescription Drugs. Group Physicians will exercise
best efforts to prescribe generic drugs and pharmaceutical products and to
comply with Company's formulary.
(i) Collections from Members.
(i) Except as described in Section 9 herein,
neither Group nor any Group Physician will seek or require any Member to tender
a deposit or similar payment during the Member's course of treatment with
respect to Covered Services rendered pursuant to this Agreement, other than any
applicable deductibles, coinsurance or copayments specified in the applicable
Benefit Contract. Except for copayments and non-covered services, Group will
not ▇▇▇▇ Member prior to receipt of Company's Explanation of Benefits. Group
and/or Group Physician will fully advise Members of their financial
responsibility prior to rendering any services that are not covered.
(ii) Notwithstanding anything in this Agreement to
the contrary, in no event, including but not limited to nonpayment by Company
or Payor, the insolvency of Company or Payor or breach of this Agreement, will
any Member be liable for any amount owing to Group or any Group Physician by
Company or Payor, and Group and any Group Physician will not ▇▇▇▇, charge,
collect a deposit or other sum, or seek compensation, remuneration or
reimbursement from, or maintain any action or have any recourse against, or
make any surcharge upon a Member or any person acting on a Member's behalf.
Whenever any such charge has occurred, Group will refund such charge to the
Member within fifteen (15) days of discovering, or receiving notification of,
the charge. If Company or Payor receives notice of any such charge, Company or
Payor may take appropriate action to remedy the situation, including, without
limitation, offsetting any such charge against amounts due to Group or Group
Physician and/or immediate termination pursuant to this Agreement. The
obligations set forth in this paragraph will survive the termination of this
Agreement regardless of the cause giving rise to the termination and will be
construed for the benefit of the Members.
(j) Equitable Treatment. Neither Group nor any Group
Physician will differentiate or discriminate against Members and will render
health services to all such patients in the same manner, in accordance with the
same standards and with the same time availability as offered Group's and each
Group Physician's other patients.
(k) Quality of Care Systems. Group will demonstrate
promptly and to the reasonable satisfaction of Company that it has established
and implemented effective, documented systems to direct and monitor Group's and
its Group Physicians' compliance with all aspects of the Utilization Management
program. Group will also demonstrate that it has established,
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implemented and documented effective peer review and quality assurance
protocols to assure compliance with utilization and quality of care standards
consistent with professionally recognized standards of care, local practice
patterns and Company's Quality Assurance Plan. Group will continue to conduct
such systems throughout the initial term and any renewal term of this
Agreement.
(l) Compliance. Group will cooperate and comply fully
with the Utilization Management program, Quality Assurance Plan and any other
quality assurance program of Company, as well as and policies and procedures in
the Provider Handbook, including updates thereof. Any failure to do so will be
deemed a material breach of this Agreement. Group must comply with Company's
Pre-Certification procedures. For services requiring Pre-Certification, Group
must obtain such Pre-Certification from Company. Company will determine
whether to certify the services based on whether the services meet all of the
following criteria:
(i) They are appropriate given the symptoms and
patient history, and are consistent with the diagnosis, if any, of the Member.
"Appropriate" means that the type, level and duration of services, and setting
are necessary to provide safe and adequate care and treatment;
(ii) They are rendered in accordance with
generally accepted medical practice and professionally recognized standards;
(iii) They are not generally regarded as
experimental or unproven by recognized medical professionals or appropriate
governmental agencies, such as, but not limited to, the United States
Department of Health and Human Services, Office of Pre-Paid Health Planning,
the Food and Drug Administration and the Public Health Service Office of Health
Technology Assessment; and
(iv) They are permitted by the licensing statutes
which apply to the provider who renders that service.
(m) Physician Payments. Where Group is responsible for
payment to Group Physicians, Group will make timely payments to its Group
Physicians and its contracted physicians pursuant to agreements between Group
and its Group Physicians and its contracted physicians on such payments. In
the event Group does not make timely payments, Company may make payments and,
at its sole option, either deduct such amount from other amounts due Group from
Company or demand immediate payment. Company will notify Group ten (10)
business days prior to making any such payments and Group shall have the right
to make such payments prior to payment by the Company.
(n) Notice of Impairment of Group. As soon as it
receives notice thereof, Group will send written notice to Company of any
action undertaken with respect to Group or any Group Physician, which action
could materially impair the ability of Group to carry out the duties and
obligations of this Agreement, including but not limited to actions related to:
(1) cancellation of Group's general and professional liability insurance
maintained in accordance with
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Section 12; (2) Group's suspension from participation in any Medicare or
Medicaid program due to fraud or abuse; or (3) upon the indictment, arrest or
conviction of any Group Physician for (i) any felony or (ii) any criminal
charge relating to the practice of medicine.
(o) Notice of Impairment of Group Physician. As soon as
it receives notice thereof, Group will send written notice to the Company of
any action undertaken with respect to any Group Physician related to any such
physician's ability to provide care to Members, including but not limited to:
(1) the termination, probation or suspension of any license of a Group
Physician relating to the practice of medicine; (2) any termination or
limitation in staff privileges; (3) any disciplinary action taken by a
hospital; (4) the suspension of a Group Physician's participation in any
Medicare or Medicaid program due to fraud or abuse; or (5) a Group Physician's
indictment, arrest, or conviction for (i) any felony or (ii) any criminal
charge relating to the practice of medicine.
(p) Grievances. Group agrees to cooperate in resolving
all grievances relating to the provision of medical services to Members in
accordance with the grievance procedures established by Company. Group agrees
to participate in and provide assistance and information as may be necessary or
helpful to Company. In the event Group receives any complaint regarding Company
or a Group Physician, Group agrees to notify Company within five (5) days
concerning all details of such complaint. Conversely, if Company directly
receives a complaint regarding Group or Group Physician, Company will promptly
notify Group or Group Physician of such complaint.
(q) Regulatory Compliance. Group and each Group
Physician will comply with all requirements of the law relating to the
furnishing of medical and health care services to the public, and now has and
will obtain and maintain in effect all permits, licenses and governmental or
board approvals which may from time to time be necessary for that purpose.
(r) Orientation. On request, Group will provide
orientation time to Company and assist in coordination of in-service training
for Group's staff and Group Physicians.
(s) Company Display. If requested by Company, Group will
display the emblem, logo or similar representation of Company at each of its
facilities.
(t) Application and Credentialing Forms. Group and each
Group Physician will submit Company Application and Credentialing forms with
the executed Agreement. Group and each Group Physician will notify Company
within ten (10) days of any changes to information on the forms.
7. UTILIZATION MANAGEMENT. All Covered Services furnished to
Members will be subject to Utilization Management in accordance with the
procedures and guidelines attached as Exhibit V. Such procedures and
guidelines, including Exhibit V, may be modified by Company from time to time
upon thirty (30) days written notice.
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8. SELECTION AND TERMINATION OF PARTICIPATING PHYSICIANS.
(a) Initial Physician Designation. After consultation
with Company, Group will designate those physicians who are members of or are
employed by Group and are authorized to act as Group Physicians hereunder. Such
designation, if not already made, will be made in writing and attached to this
Agreement as Exhibit I.
(b) Physician Selection and Termination. After
consultation with Group, the Company may make additional selections or
terminate any Group Physician from participation in Company's provider network
within the initial term or thereafter, upon ninety (90) days written notice or,
in the case of termination of this Agreement, at such earlier time as may be
permitted under Section 2 hereof.
(c) Notification. Group will notify Company within at
least sixty (60) days in advance of the effective date of any withdrawal or
termination of a Group Physician. Group will notify Company of the addition of
a new Group Physician within ten (10) days after such addition.
(d) Transfer of Care. Upon the termination or withdrawal
of a Group Physician, Group agrees to arrange for the transfer of all care and
treatment of any affected Members including but not limited to identifying
Members undergoing acute care and/or treatment and assuming responsibility for
the transfer of care to another appropriate Group Physician.
9. COORDINATION OF BENEFITS AND SUBROGATION/RIGHT OF
RECOVERY.
(a) Cooperation. Group will cooperate with Company or
Payor to identify any and all parties, other than Company or Payor, which may
be responsible for payment of, or reimbursement for, Covered Services, and for
the purpose of coordinating benefits with other payors.
(b) Coordination of Benefits. When a party, other than
Company or Payor, is identified as having primary responsibility for payment
of, or reimbursement for, Covered Services, under the Coordination of Benefits
provision of a Member's Benefit Contract, Group will ▇▇▇▇, and make all
reasonable efforts to collect from such party for the value of Covered
Services.
(c) Subrogation/Right of Recovery. When a party, other
than Company or Payor, is identified as a party with respect to whom the
Subrogation/Right of Recovery provision of a Member's Benefit Contract applies,
Company or Payor will be responsible for using its best efforts to obtain any
and all recoveries allowable under such provision. After application of such
recoveries to reimburse Company or Payor for any and all amounts paid or
payable by Company or Payor with respect to the injury or illness giving rise
to the recovery, Company or Payor will pay the remaining amount, if any, to
Group to compensate Group for the value of services
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rendered by Group with respect to the injury or illness giving rise to the
recovery. Such payment to Group will be valued in accordance with the Fee
Schedule as shown in Exhibit III.
10. RIGHT TO AUDIT AND ACCESS INFORMATION.
(a) Member Records. Group and each Group Physician will
prepare and maintain appropriate financial and medical records on Members.
Such records will be maintained in accordance with generally accepted medical,
accounting and bookkeeping practices and will be maintained as may be necessary
for compliance with the provisions of the laws of Florida.
(b) Inspection. Subject to any applicable legal
restrictions, Group and each Group Physician agrees to allow inspection and
duplication by Company, by the Department of Insurance and by any other
properly identified governmental regulatory authority of all ▇▇▇▇▇▇▇▇ and other
financial records and all medical records maintained on Members under this
Agreement. Company will have access at all reasonable times upon demand to the
books, records and papers of Group and each Group Physician relating to the
health care services provided to Members, to the cost thereof, and to payments
received by Group and each Group Physician from Members (or from others on
their behalf). Company will protect the confidentiality of such records in
accordance with applicable legal standards. Such inspection and duplication
will occur during regular working hours upon receipt of seventy-two (72) hours
prior written notice from Company. Company will reimburse Group and Group
Physicians for all reasonable copying costs incurred by Group as a result of
said record inspection and duplication. Group will notify Company of any
adverse report that results from an inspection by a governmental regulatory
authority.
(c) Record Retention. All records required to be
maintained by Group and each Group Physician under this Agreement will be
retained by Group and each Group Physician for at least three (3) years. The
obligation under Sections 10(b) and 10(c) will not terminate upon the
termination of this Agreement, whether by rescission or otherwise.
11. INDEPENDENT CONTRACTOR. It is understood that each Group
Physician will maintain a physician-patient relationship with Members and will
be responsible to the Members for medical care and treatment. Group is an
independent contractor relative to Company. Nothing in this Agreement will be
construed as, or be deemed to create, a relationship of employer and employee,
or principal and agent, or any relationship other than that of independent
parties contracting with each other solely for the purpose of carrying out the
provisions of this Agreement.
12. LIABILITY INSURANCE.
(a) General Liability Coverage. In order to protect the
other party, each party, at its sole cost and expense, will procure and
maintain a policy of general liability insurance or maintain adequate resources
to insure itself and its respective officers, agents and employees against any
liability or claims or damages arising by reason of personal injuries or
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death occasioned directly or indirectly by such party or its officers, agents
or employees in connection with the performance or nonperformance of such
party's responsibilities under this Agreement.
(b) Professional Liability Coverage. Group or each of
the Group Physicians individually will maintain professional liability
insurance, with limits of at least one million dollars ($1,000,000) per
occurrence and at least three million dollars ($3,000,000) in the aggregate
covering Group and each of the Group Physicians. If Group or Group Physician
is classified as Class 1 by the insurance company providing said professional
liability insurance, the limits for Group or such Group Physician are at least
five hundred thousand dollars ($500,000) per person per occurrence with at
least one million dollars ($1,000,000) in the aggregate. Class 1 is hereby
defined as those nonsurgical specialties which said insurance company has
determined to be in the lowest liability risk category.
(c) Third Party Liability. Nothing in this Agreement
will be construed to make Company, Group, Group Physicians or their respective
agents or representatives, liable to persons not parties hereto. Nor will
anything herein be construed as, or be deemed to create, any rights or remedies
in any third party, including but not limited to any Members or hospital.
(d) Company Professional Liability Coverage. Company
maintains professional liability insurance covering the Utilization Management
function with current limits of ten million dollars ($10,000,000) per
occurrence and ten million dollars ($10,000,000) in the aggregate.
13. INDEMNIFICATION. Each party will indemnify the other and hold
the other harmless from and against any and all losses and liabilities
(including reasonable attorneys' fees and related legal expenses) arising from
any third party claim, action, cause of action, contest or dispute to the
extent the losses or liabilities are the result of the indemnifying party's
negligent or intentional act or omission.
14. NON-EXCLUSIVITY. Nothing herein will be construed to restrict
the rights of Group and Group Physicians or Company to participate in other
comparable provider plans, such as, but not limited to, preferred provider
plans, health maintenance organizations or other managed care systems. Nothing
herein will be construed to restrict the rights of Company to enter into
contracts or arrangements for services with any other health care provider
serving any geographic area.
15. PROPRIETARY INFORMATION; TRADEMARKS.
(a) Company's Proprietary Information. All information
and materials provided by Company to Group remain proprietary to Company, as
the case may be, including but not limited to subscriber lists, contracts, fee
schedules, provider handbooks and any other operations manuals. Neither Group
nor the Group Physicians will disclose any of such information or materials or
use them except as may be required to carry out their respective obligations
hereunder.
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(b) Trademarks. Neither Group nor Company will use each
other's trademarks, name or symbols without express written permission;
provided however, that Group agrees that Company may use the Group Physician's
name, office address, telephone number, specialty and factual description of
practice in directories and other promotional materials.
(c) Group's Proprietary Information. All information and
materials provided by Group to Company will remain proprietary to Group,
including but not limited to contracts, fee schedules, Utilization Management
procedures and administrative procedures. Company will not disclose any such
information or materials or use them except as may be required to carry out its
respective obligations hereunder.
(d) Non-Solicitation. Group will not directly or
indirectly solicit Company or Payor's Members during the term of this Agreement
and for a period of twelve (12) months after the termination of this Agreement.
Solicitation will mean any act or practice designed to encourage Company's
Group Subscribers or Members to terminate their coverage with Company.
(e) Survival. The obligations of this paragraph shall
survive the termination of this Agreement.
16. GENERAL PROVISIONS.
(a) Scope of Agreement; Governing Law; Severability;
Amendment; Waiver. This Agreement, together with all Exhibits attached hereto,
constitutes the entire Agreement between the Company and Group. It will be
construed and governed in accordance with the laws of Florida. Any provision
required to be in this Agreement by the laws of Florida will bind Company and
Group whether or not provided in this Agreement. Any provision herein
inconsistent therewith will be of no effect and will be severable without
affecting the validity or enforceability of the remaining provisions of this
Agreement. Except as otherwise specified herein, this Agreement may not be
modified or amended except by mutual consent in writing by the duly authorized
representatives of Company and Group. Waiver of breach of any provision of
this Agreement will not be deemed a waiver of any other breach of the same or a
different provision.
(b) Assignment and Subcontracting. No assignment,
subcontracting or delegation of the rights, duties or obligations of this
Agreement will be made by either party (except for Group's delegation to Group
Physicians of responsibility for providing Covered Services and except as
otherwise specifically provided herein) without the express written approval of
a duly authorized representative of the other party; provided, however, Company
may assign any or all of its rights and obligations hereunder to an Affiliate.
(c) Arbitration. Any controversy or claim arising out of
or relating to this Agreement, or the breach thereof, will be settled by
arbitration in accordance with the Rules of the American Arbitration
Association (Commercial Rules), and judgment upon the award rendered by the
Arbitrator(s) may be entered in any court having jurisdiction thereof.
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Notwithstanding anything to the contrary in this Agreement, the initiation of
any and all arbitration proceedings initiated pursuant to this Agreement will
be approved by Group's risk carrier(s) prior to the initiation of said
proceedings. If not so approved, within thirty (30) days of the demand or
request for arbitration, this provision will be of no force and effect and
either party may file an action in a court of competent jurisdiction to resolve
the dispute.
(d) Amendments. This Agreement is subject to the
amendments as found in Exhibit VI. The parties agree to comply with any and
all provisions in Exhibit VI, and further agree that, in the event of any
conflict between the provisions in Exhibit VI and any provisions elsewhere in
this Agreement, the provisions in Exhibit VI will take precedence. No
amendment or modification will be effective unless made in writing and signed
by both parties. All amendments required by an appropriate regulatory
authority will be deemed effective upon receipt by the Group from the Company
and incorporated into and made part of this Agreement without either party's
execution.
(e) Notices. Any notice required to be given pursuant to
the terms and provisions of this Agreement will be in writing, postage prepaid,
and will be sent by certified mail, return receipt requested, to Group at the
following address:
and directly to Company at the following address:
ONE HEALTH PLAN OF FLORIDA, INC.
▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
▇▇▇▇▇ ▇▇▇
▇▇▇▇▇, ▇▇ ▇▇▇▇▇
Attn.: Manager, Provider Relations
or at such other address as the parties may designate by written notice. Any
such notice will be effective upon receipt at such address.
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IN WITNESS WHEREOF, Company and Group have executed this Agreement
through their duly authorized representative as of the date last entered below.
COMPANY: ONE HEALTH PLAN OF FLORIDA, INC.
By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇
-----------------------------
Print Name: ▇▇▇▇▇ ▇▇▇▇▇▇▇
---------------------
Title: Vice President
--------------------------
Date: 2/2/98
--------------------------
GROUP: COMPLETE WELLNESS INDEPENDENT PHYSICIAN
ASSOCIATION OF FLORIDA,INC.
By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇
-----------------------------
Print Name: ▇▇▇▇▇ ▇▇▇▇▇▇▇
---------------------
Title: President and C.E.O.
-------------------------
Date: 1/30/98
-------------------------
SIGNATURE PAGE FOR ONE HEALTH PLAN OF FLORIDA, INC. POS MEDICAL GROUP AGREEMENT
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EXHIBIT I
DESIGNATION OF PARTICIPATING PHYSICIANS AND LOCATIONS
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EXHIBIT II
GROUP COMPENSATION
Company or Payor will pay Group as full compensation for any Covered
Services provided to Members and for which Group has submitted a properly
submitted claim, the lesser of Group's usual billed charges or the Fee Schedule
as shown in Exhibit III, minus any applicable deductibles, copayments or
coinsurance specified in the Member's Benefit Contract. Group may ▇▇▇▇ Member
for such deductibles, copayments or coinsurance but may not ▇▇▇▇ Member for any
additional charges unless provided for in the Member's Benefit Contract.
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EXHIBIT III
FEE SCHEDULE
A representative sample reimbursement schedule is attached and subject
to amendment. In no event will Company pay more than the lesser of the Fee
Schedule established by One Health Plan of Florida, Inc. or Contracting
Provider's usual billed charges. The fee schedule will be 90% percent of RBRVS
fee schedule in place with One Health Plan of Florida, Inc.
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EXHIBIT IV
GROUP UTILIZATION MANAGEMENT EXHIBIT
A. Purpose
The Utilization Management program is administered by Company to insure the
efficient and effective use of health care resources, avoid inappropriate care,
and promote cost effective approaches to delivery of health care services. The
program includes the following:
1. monitoring of the appropriateness and efficiency of services
performed.
2. monitoring of patterns and trends of utilization of providers,
facilities and other elements of care.
3. identification of patterns and trends of under and over
utilization of care.
B. Program Content
1. Primary Care Physician Authorization
(a) Authorization. Except in the event of an Emergency,
each Group Physician will obtain the authorization from a
Member's Primary Care Physician prior to rendering, or
referring any Member for, any Covered Services. All
continuing Covered Services provided after the acute phase of
an Emergency has ended will require Primary Care Physician
authorization in advance as described above.
(b) Non-Contracting Providers. Except in the event of an
Emergency, a Primary Care Physician will not without the
express prior authorization of the Company, grant any such
authorization for any Covered Services to be rendered by
providers who are not Contracting Providers.
2. Pre-Certification
The Pre-Certification program consists of a review of proposed
treatment involving inpatient or day admissions for surgical,
medical, obstetric, pediatric, psychiatric and substance abuse
cases, outside of a physician's office and as described in the
Physician Group Handbook. Pre-Certification is required in
advance as described in the Physician Group Handbook for all
elective hospital admissions, surgical or invasive procedures,
and high cost non-invasive services such as MRI, CT and other
diagnostic services (excluding Emergencies). All elective
admissions require Pre-Certification. For urgent or Emergency
admissions, notification of Company is required as described
in the Physician Group Handbook or as soon as is practicable.
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3. Prescription of Drugs
The following medications require Pre-Certification before being
filled by a pharmacist:
Betaseron
Ceredase
Epogen/Procrit (Erythropoietin)
Humatrope/Protropin (Growth Hormone)
Leukine/Prokine (Sargramostion)
Metrodin/Profasi/Pergonal (Injectable Infertility)
Roferon/Intron (Interferon)
C. The Process
1. The Pre-Certification Process is initiated by the admitting or
Primary Care Physician or a representative of his/her office who calls
the toll-free number listed on the Member's identification card.
2. Company Utilization Management Nurse Reviewers perform the
Pre-Certification review, aided by a series of clinical protocols.
The Nurses are supported by the Company Medical Director.
3. If the attending or Primary Care Physician agrees on the
necessity, location and duration decisions, the case is certified, and
entered into the system for Concurrent Review.
4. On, or before the Pre-Certified discharge date, the attending
or Primary Care Physician will contact the Company Utilization Nurse
Reviewer by phone to arrange for a length of stay extension if it is
needed.
D. Appeals Process:
1. If the proposed treatment is not deemed to meet the
requirements of Section 6(l) hereof and the attending or Primary Care
Physician does not agree with the determination, the attending or
Primary Care Physician may appeal to the Group Medical Director.
2. If the Group Medical Director and attending or Primary Care
Physician still cannot reach an agreement with the Company
determination, the case is referred for final review to the Company
Medical Director. If the final review agrees with the proposed
treatment, such treatment will be certified.
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3. If the treatment provided by the Group is not certified but is
of such a nature as to require Pre-Certification; and if the Primary
Care Physician or attending physician fails to comply with the
Utilization Management Process by (1) failing to contact the Company
Pre-Certification Service for pre-treatment review or length of stay
extension, or (2) failing to exhaust the entire physician appeals
process, then compensation payable by Company to Group shall be
reduced by 50%, up to a maximum of one thousand dollars ($1,000.00)
for each episode of non-compliance. For the purpose of this paragraph,
"compensation payable" shall mean the amount as shown in Exhibit III,
as applicable, payable to Group for the month in which the
non-compliance is identified to Group by Company.
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EXHIBIT V
AMENDMENTS
The terms and conditions specified in the One Health Plan of Florida,
Inc. POS Medical Group Agreement with Group are further subject to the
amendments put forth herein.
PREAMBLE, change second Whereas to: replace "provide" with "arrange for the
provision of"
PREAMBLE, change fourth Whereas to: replace "provide" with "arrange for
the provision of"
SECTION 1(a), "Affiliates" add "right or authority, granted by a Broad of
Directors,"
SECTION 1(j), "Member" add: means any individual "except for East
Pasco,Martin, St. Lucie, Okechobee, Dade, Broward, Palm beach, and Monroe
Counties."
SECTION 1(d), "Contracting Provider" add "Company or Group" to provide
Covered Services to members.
SECTION 1(g), "Emergency" add to last sentence "pursuant to Section 7 of
this Agreement."
SECTION 1(l), "Pre-Certification: add to end of statement: "pursuant to
Section 7 of this Agreement."
SECTION 1(n), "Utilization Management" add to first sentence "Company, or
Group if delegated,"
SECTION 2, "Terms and Termination" replace "until to "unless"
SECTION 2(c), add to end of statement: "Group will have thirty (30) day
period in which to cure any network deficiency that has been deemed to
substantially limit Group's scope of Covered Services or access to Contracted
Hospitals."
SECTION 2(h), add to end of last sentence: "except in the case of failure to
pay by Company to Group, in which case Group may terminate the Agreement given
thirty (30) day cure period."
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SECTION 2(k), replace "continue to provide such Covered Services until the
current episode of care is completed" to "be obligated to provide Covered
Services for a period of up to thirty (30) days, or until reasonable and
medically appropriate arrangements for the assumption of such care by another
provider are made. During this period, Company will reimburse Group 100.0% of
the relative value reimbursement for any continued episodic Covered Services."
SECTION 6(a), "Member Access" add to second sentence "As part of Company's
credentialing process, or Group's credentialing process if delegated, the
names, addresses, medical specialties, and medical license numbers of all Group
Physicians in addition to all tax identification numbers under which each such
physician bills for medical services, and updates thereof, must be supplied to
Company in written or electronic documentation or material."
SECTION 6(b), "Quality of Care" add to third sentence "group Physicians"
also add to fourth sentence "the Payment of Covered Services"
SECTION 6(c), "Hours of Coverage" or by referral to other physician "or
with physician extender"
SECTION 6(i) (ii), "Collection from Members" add to the end of last sentence:
"other than applicable deductibles, coinsurance or copayments specified in the
applicable Group Subscriber Contract." Also delete the end of third sentence
"and/or immediate termination pursuant to this Agreement."
SECTION 6(l), "Compliance" the paragraph will be replaced with: "Group will
cooperate and comply fully with the Utilization Management and Quality
Assurance plan pursuant to section 7, and policies and procedures in the
Physician Group handbook including updates thereof. Any failure to do so will
be deemed a material breech of this Agreement. Group must comply with Company's
Pre-authorization and Pre-Certification procedures pursuant to section 7. For
services which require pre-authorization by a Members Primary Care Physician,
shall cause Group providers to obtain authorization prior to rendering
services. For services requiring Pre-Certifications, Group must obtain
Pre-Certification from the Company. Company, will determine whether to certify
the services based on weather the services meet all the following criteria:"
SECTION 6(m), "Physician Payments" add to end of first sentence "for clean
claims" add to second sentence "timely payments for clean claims" delete in
second sentence "at its sole option" add to end of second sentence "from
Group.'
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SECTION 6(n), "Notice of Impairment of Group" delete "as soon as it
receives" add "Within one (1) business day of the receipt of"
SECTION 6(o), "Notice of Impairment of Group Physician" delete "As soon as
it receives" add "Within one (1) business day of the receipt of"
SECTION 6(r), "orientation" add "on request by Company"
SECTION 6(s), "Company Display" add "Group shall cause Group Providers to"
delete "will"
SECTION 6(t), "Application and Credentialing Forms" replace paragraph with
"Group shall cause each Group Physician to complete. Company, or Group if
delegated, application and credentialing forms in a timely fashion by Group.
Group and each Group Physician will notify company at least two (2) times per
month of any changes."
SECTION 8(a), "Initial Physician Designation" delete "or are employed by"
SECTION 10(a), "Member Records" change to "Group shall cause each group
Physician to prepare and maintain appropriate financial and medical records on
Members."
SECTION 12(b), "Professional Liability Coverage" change to "with the limits
of a least two hundred and fifty thousand dollars (250,000) per occurrence and
at least seven hundred and fifty thousand (750,000) in aggregate covering Group
and each group Physician. If Group or group Physician is classified as Class 1
by the insurance company providing said professional liability insurance, the
limits for Group or Group Physician are at least one hundred thousand dollars
(100,000) per person per occurrence with at least three hundred thousand
dollars (300,000) in the aggregate. Class 1 is hereby defined as those
non-surgical specialties which said insurance company has determined to be in
the lowest liability risk category."
SECTION 16(b), "Assignment and Subcontracting" add to last sentence "that
Company or Group"
SECTION 16(c), "Arbitration" delete "may by entered in any court having
jurisdiction thereof" add "shall be handled whenever practical in the City of
Tampa, Hillsborough County, Florida."
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EXHIBIT VI
AMENDMENTS
The terms and condition specified in the One Health Plan of Florida, Inc. POS
Medical Group Agreement are further subject to the amendments put forth herein
as Exhibit VI.
Effective February 16,1998 Complete Wellness Independent Physician Association
of Florida, Inc. will legally change its name to Optimum Health Services of
Florida, Inc. The change in name to any other name does not constitute a change
in contract which currently exists between Complete Wellness Independent
Physician Association of Florida, Inc. and One Health Plan of Florida, Inc.
ONE HEALTH PLAN OF FLORIDA, INC. OPTIMUM HEALTH SERVICES OF
FLORIDA, INC.
By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇ By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇▇
--------------------------- ---------------------------
Print Name: ▇▇▇▇▇ ▇▇▇▇▇▇▇ Print Name: ▇▇▇▇▇ ▇▇▇▇▇▇▇
-------------------- --------------------
Title: Vice President Title: President & C.E.O.
------------------------- -------------------------
Date: 2/2/98 Date: 1/30/98
------------------------- -------------------------
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