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  • December 13, 2016

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  • Health Care No. 1 Industry for Cyber Risk in ’17; More Sophisticated Attacks Expected

    locked computerDon’t expect data breaches and cyber threats to let up for the health care industry next year. 

    All the more reason to be glad you’re an ISMIE policyholder.

    Health care will remain the No. 1 target for data breaches in 2017, according to the latest Experian Data Breach Industry Forecast. The best news is that every ISMIE policy comes with base cyber liability protection at no extra cost.

    However, if you’re moving, adding staff or evaluating your electronic health record (EHR) system, it’s worth contacting ISMIE to make sure your cyber liability coverage meets all your needs.

    Above all, if you suspect a breach, contact ISMIE immediately.

    Experian sees these specific cyber risk trends affecting all industries in the coming year:

    • Ransomware attacks will get nastier: A 2016 ransomware attack typically involved a system lockout in exchange for payment. Future attackers are likely to grab information first and dangle a price tag later.
    • Older systems and new mobile applications will introduce more risk: “It only takes one compromised or outdated system to lead to exposure,” the report said, adding that deployment of new mobile applications will possibly “introduce new vulnerabilities” to attract hackers.
    • "Aftershock" breaches can mean déjà vu all over again: Exposed information is often resold and reused over time, meaning some breaches can reappear and be just as serious as the original.

    ISMIE provides its cyber liability coverage through a partnership with Beazley Syndicate, a global leader in breach protection for physicians, physician groups, hospitals and other health care organizations.

    For questions, contact the Underwriting Division at 800-782-4767 or email underwriting@ismie.com. If you utilize an insurance broker, you may also wish to contact him or her.



  • Just a Couple of Weeks Left to Finish Your ’16 Managing Risk Coursework! Here’s Your Guide

    12-31The holiday rush is on, but you've still got time to earn Risk Rewards discounts of up to 15% off your ISMIE premium. You have until midnight, Dec. 31 to finish up all your qualifying 2016 Managing Risk coursework to be eligible for the savings.

    Start here, and once you determine what coursework you still need to complete, know that the ISMIE Managing Risk support team is here to help answer any questions you have.

    Other than the dates noted below, live support is available Monday through Friday from 8:30 a.m. until 4:45 p.m. All after-hours messages will receive a prompt reply the next business day. 

    Need Help? Here's Your Managing Risk "Cheat Sheet"

    Our offices will be closed all day on Monday, December 26 and Saturday, December 31. Live support will be available during regular business hours on December 30.

    Password/web assistance:

    Call 888-476-7776 or email onlinehelp@ismie.com. After business hours, self-administration of password and login assistance is available on ISMIE's website.

    Questions for our Managing Risk team?

    Call the Risk Management division at 800-782-4767 or email riskmanagement@ismie.com.



  • Need Help? Here’s Your Managing Risk 'Cheat Sheet'

    Our offices will be closed all day on Monday, December 26 and Saturday, December 31. Live support will be available during regular business hours on December 30.

    Password/web assistance:

    Call 888-476-7776 or email onlinehelp@ismie.com. After business hours, self-administration of password and login assistance is available on ISMIE’s website.

    Questions for our Managing Risk team?

    Call the Risk Management division at 800-782-4767 or email riskmanagement@ismie.com.



  • A Temporary Federal Injunction Stalled the Dec. 1 Regulations on Overtime Pay. What’s Next?

    man on a clockIn late November, a federal judge in Texas granted an emergency injunction against the U.S. Department of Labor’s (DOL) nationwide overtime regulations scheduled to take effect December 1.

    In short, it’s a reprieve, but not the end of the story.

    If the DOL mounts a successful challenge to the injunction, the final rule or some version of it could still be implemented. Keep your switchover plans handy just in case the rules are allowed to go into effect. In the meantime, ISMIE will keep you apprised of developments.  

    For more information, consult the DOL website or the Illinois State Medical Society’s Issue Brief, New Federal Overtime Rules (contact us for a copy if you are not an ISMS member). It offers practice-specific guidance on salary thresholds, bonuses, incentive payments and commissions, “duties tests” that determine a worker’s eligibility for overtime pay, and the impact of the rule on health care overall.



  • If You Think Medicare Won’t Cover a Patient Service, You Need to Let the Patient Know First. Here’s How

    If you expect that Medicare is going to deny payment for a particular service, you must notify your patient in writing before that service is provided.

    You’ll need Medicare’s Advance Beneficiary Notice of Noncoverage (ABN) form to make that notification. Here’s a link to the forms and instructions you’ll need, and this video from National Government Services – Illinois’ Medicare carrier – provides an overview.



  • 'I’ve Just Booked a New Patient Who Says They’re in Pain. How Do I Make Sure they’re Not Just Seeking Medication?'

    Risk TipsAccording to the latest federal statistics, 78 people die each day from an opioid overdose. Half of those deaths involve a prescription opioid.

    All pain medication requests from patients need to be fully evaluated, but physicians should be aware of important resources to guide them during the continuing addiction crisis.

    First, Illinois physicians can access the Illinois Prescription Monitoring Program (PMP), an online tool that collects prescription data from retail pharmacies dispensing statewide.

    ISMIE’s Risk Management Resource Library can also help guide your procedures. Consider reviewing:

    And for difficult situations, refer to Challenging Patients: Common Characteristics and its partner piece Challenging Patients: Communication Techniques.




  • ISMIE Risk Managment Education Infographic