# Patent

## Title
Method and system for enhanced medical triage

## Abstract

The present invention relates to a method and system for enhanced medical triage in managed care plans that streamlines the conventional medical triage process and referral logic, sends only those insurance claims to an integrated case management system that require medical intervention, matches claims to the right resource at the right time, reduces the time needed to review lost time cases, lessens the number of unnecessary referrals or re-referrals, and further tailors the assignment process of medical insurance claims to medical personnel based on specific market and/or employer dedication.

## Background
CROSS-REFERENCE TO RELATED APPLICATIONS
This application is a divisional of U.S. patent application Ser. No. 10/084,326, filed Feb. 28, 2002, incorporated herein by reference in its entirety, which claims priority to U.S. Provisional Application No. 60/342,856, filed Dec. 28, 2001, incorporated herein by reference in its entirety.


BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates to the field of medical triage for health care plans, and more particularly, to a method and system for automated medical triage in a workers compensation plan.
2. Description of the Related Art
As is known in the art, medical triage is the act of categorizing or classifying patients (e.g., ill or injured persons) according to the severity of their health conditions and thereby determining who need services first. With rising health care and workers compensation costs, medical triage was designed to maximize and create the most efficient use of scarce managed care resources in medical personnel, medical facilities, and the like. While medical triage commonly occurs in emergency rooms, it can occur in other health care settings such as managed care organizations, workers compensation insurance, health care plans, and health care provider systems to steer patients away from more costly care and provide more appropriate services. For instance, medical triage can be used to steer a child with a cold away from an emergency room to preserve the latter for actual medical emergencies. Indeed, these health care organizations and systems have set up “triage centers” to serve as an extension of the utilization review process, as diversions from emergency room care, or as case management resources.
In the current medical triage environment for a managed care program, such as workers compensation (WC), a work injury claim is first called in from an employer of the injured worker (IW) to a telephone reporting center of a workers compensation insurance carrier or health care plan provider. The health and/or workers compensation insurance or care provider may have one or more telephone reporting centers handling the initial claim reportings. The telephone reporting center then performs logistic data collection and entry of information relating to the claim, such as the name of the injured person/worker, social security number of the worker, the employer's address and plant location of the accident and description of the accident. The collected claim information relating to the injured worker and the accident is then transferred out of the telephone reporting center to a local claim service center, (also known as an adjusting field office or AFO) via a claim management system (e.g., T-MATE of Travelers), wherein the AFO is a triage center of the health and/or workers compensation insurance or health plan provider. As with the telephone reporting center, there may be more than one local claim service center.
At the local claim service center, a case or claim handler is assigned to the claim. Part of the normal case set up of the case handler is to review the basic facts from the collected claim information and contact the injured worker to obtain additional facts and the injured worker's description of the accident. The case handler also contacts the employer to verify the information originally obtained by the telephone reporting center from the employer. Additionally, if a physician had provided medical care to the injured worker, the case handler also seeks out the physician to obtain the physician's diagnosis or prognosis of the injured worker and his/her injury. After completing the aforementioned inquiries, the case handler documents the additional facts along with the originally collected claim information, and sends via a system interface, to a medical case manager (MCM). The MCM's task is to review the set of facts and—based on his/her professional opinion as an MCM—determine whether the return-to-work (RTW) time for the injured worker can be impacted. For instance, if the injured worker is to be out for 30 days, can he/she return to work earlier (e.g., in 20 days) if additional medical attention is given; or if the RTW time is 19 days, can he/she come back in 14 days. There are certain instances where the RTW time cannot be impacted, such as when the injured worker was already back at work after the accident and when the worker suffered a fatal injury in the accident. If the MCM judges that the RTW time will not be impacted, the MCM will document a non-referral into the nurse's integrated case management system (ICMS). However, if the MCM judges that the RTW time can be impacted, the MCM will open a medical referral and assignment for the injured worker in ICMS. The assigned nurse will then co-manage the claim with the claims adjuster (i.e., MCM), and work with the appropriate physicians to provide the necessary medical attention and treatment plan to expedite the recuperation of the injured worker and shorten the RTW time. This is because for workers compensation, it is the workers compensation carrier, or self-insured employer, that pays for the medical treatment of the injured worker along with the indemnity payment (i.e., wage replacement) to the injured worker while he/she is not able to work. Thus, it is in the interest of the workers compensation carrier to accelerate and pay a little more on the medical treatment and impact the RTW time of the injured worker in order to cut down on the higher cost of indemnity payment.
BRIEF SUMMARY OF THE INVENTION
There are a number of problems associated with the current medical triage environment. Firstly, it requires the claims routing from T-MATE to ICMS to be “triaged” by the medical unit and its MCMs. The triage process required a review of the medical protocols and assignment by a MCM if lost time is expected to exceed a predetermined amount of time, e.g., 14 days. Because all medical referrals are triaged to determine if medical assignment is warranted in the current ICMS/medical assignment process, it has been found that, on average, a large percentage (48%) of the claims sent to the ICMS were assigned for medical management. It also has been found that there were wide disparities at the AFO level in the medical referrals and assignments sent to the ICMS. For instance, there was a wide variance of assignment percentage and inconsistent application of assignment procedures, wherein assignments by diagnosis and severity of injury vary by office, and a significant number of inappropriate referrals were sent to the ICMS. This is despite the fact that the MCMs are given criteria for medical referrals, such as those shown in Appendix A. Secondly, because an MCM's decision of nurse assignment is based partly on his/her individual experience on the job, turn-overs of MCMs further add to the disparities in the medical triage process. New MCMs with little or different knowledge will have different decisions on medical referrals from those of the more experienced MCMs. Thirdly, there is a huge operational cost in retaining MCMs, whose jobs are solely to determine whether a nurse can add value to workers compensation claims; thus, each office has costly medical resource allocated to the triage function.
Therefore, there exists a need for a method and system for enhanced medical triage in managed care plans, such as workers compensation, that streamlines the triage process and referral logic and sends only those claims to the ICMS that require medical intervention, e.g., by a nurse, thereby changing from an ICMS “triage roster” to an “assignment roster” (ICMS roster). Because each employer has unique claims that need to be properly managed when there is a major impact on medical management, there also exists a need for a method and system for enhanced medical triage that match claims to the right resources at the right time.
Accordingly, the preferred embodiments of the present invention provide a method and system for an enhanced medical triage that provides focused medical intervention, reduces the time needed to review lost time cases, lessens the number of unnecessary referrals or re-referrals, and further tailor the assignment process to medical personnel, such as nurses, based on specific market and/or employer dedication.
The preferred embodiments of the present invention also provide a method and system for an automated medical assignment process that eliminates the need to “triage” and assign claims based on anticipated disability timeframes, and only those claims meeting the medical assignment logic, or manually referred claims, can be routed to the ICMS “assignment roster” for medical assignment.
The preferred embodiments of the present invention also provide a method and system that implements sophisticated referral logic and professional skills for managing health care and/or workers compensation claims to the best outcome.
The preferred embodiments of the present invention further provide a method and system for an automated medical triage through system identification of claims requiring medical management.
The preferred embodiments of the present invention additionally provide a method and system for gathering the collective experience of triage personnel, establishing consistent assignment of selected injury types with high severity and/or potential for impact by a nurse, reducing or eliminating the staff resources required to triage claims, and developing improved claim data collection for future analysis.
Additional aspects and novel features of the invention will be set forth in part in the description that follows, and in part will become more apparent to those skilled in the art upon examination of the present disclosure.



BRIEF DESCRIPTION OF THE DRAWINGS
The preferred embodiments are illustrated by way of example and not limited in the following figures, in which:
FIG. 1 depicts the enhanced medical triage workflow logic in accordance with one embodiment of the present invention;
FIG. 2 depicts a sample screen used for collecting/mining the data elements necessary for the medical assignment logic in accordance with an embodiment of the present invention;
FIGS. 3A and 3B depict data mining results as viewed with the NCCI NOI/POB codes match; and
FIG. 4 depicts the existing system environment and the new system environment additions for implementing the enhanced medical triage in accordance to one embodiment of the present invention;













DETAILED DESCRIPTION OF THE INVENTION








Acronyms






AFO
Adjusting Field Office


APV
Average Paid Value


CAT
Catastrophic claim/severe injury


CB
Claim Benefit


CM
Claim Medical


CM-Plus
Claim Medical-Plus (medical involvement)


ICD-9
International Classification of Diseases, Ninth Revision


MIRA
Micro Insurance Reserve Analysis


NCCI
National Council on Compensation Insurance


NOA
Nature of Accident


NOI
Nature of Injury


NOL
Notice of Loss


POB
Part of Body


SAC
Special Account Communication


TT
Temporary Total disability


TP
Temporary Partial disability









Reference is now made in detail to an embodiment of the present invention, an illustrative example of which is illustrated in the accompanying illustrations, showing a method and system for enhanced medical triage that automates and streamlines the medical triage process. FIG. 1 shows the enhanced medical triage, i.e., medical referral/assignment, workflow logic in accordance with the preferred embodiments of the present invention. The enhanced medical triage includes both automated and manual medical referrals/assignments, as will be explained later. The goals and benefits to the streamlined medical assignment logic of the present invention include: 1) early medical intervention; 2) reduction in the amount of time required to review the ICMS roster; 3) reduction in the amount of unnecessary referrals to the ICMS roster; 4) improved consistency in the medical assignment of those claims that will benefit from medical intervention, such as assignment based on potential severity and ability to reduce lost time days; 5) ability of claim handlers to send manual referrals to medical assignment (i.e., manual medical referral/assignment); 6) system documentation of referral objectives for all medical assignments; 7) addition of medical assignment and closure measurements which allow future enhancements to the process; and 8) a re-write and clarification of SAC instructions impacting the medical assignment process, and need for pre-approval of certain services—thus allowing the host insurance carrier or health care plan provider to meet customer specific requests for medical assignment, such as the selection of an outside medical vendor. The current ICMS/medical referral and assignment process include the common triage/assignment decision points shown in Appendix A and the following settings:

    
    
        All lost time/CB claims are automatically sent to the ICMS roster for triage when claim compensability is accepted;
        A review of all CB claims by the medical team (i.e., the medical team “triaged” the claims) to determine if medical assignment will favorably impact the claim outcome by reviewing claim notes, injury type, and anticipated lost work time in excess of a predetermined period of time (e.g., RTW time >14 days);
        Early intervention by the MCM; and
        Re-referral of a claim by the claim handler, when there is a new disability period, when further medical services are warranted.
    
    


The present invention uses much of the above same initial logic that is in the current ICMS/medical referral and assignment process, and builds upon such logic for an enhanced medical triage workflow by preventing non-covered & controverted claims from referring to ICMS. Thus, FIG. 1 shows that steps 1-3 are similar to the current process. At step 1, a new claim notice is reported to a local claim service center (AFO) from a telephone reporting system via a claim management system, such as T-MATE. Although the name “T-MATE” is used throughout the disclosure, it should be understood that any claim management system with equivalent functionality to T-MATE can be used in its place. At step 2, the claim is reviewed and assigned to a claim handling unit, with one or more claim handlers, to investigate and/or manage the claim. At step 3, the claim handler assigned to the claim performs the normal case set up as discussed earlier and collects claim related information such as coverage, compensability, loss designator (e.g., as a CM or CB claim), and lost time information. This information is then used as input to the medical referral/assignment logic of the present invention, as shown in step 4. The formulation of this medical referral/assignment logic is described next.
According to preferred embodiments of the present invention, the T-MATE to ICMS referral & re-referral logic of the current ICMS/medical referral and assignment process is reviewed by soliciting feedback from all medical team leaders in the local claim service centers (AFOs) as to: a) current methods of claim evaluation to determine medical assignment; and b) SAC instructions that impact the medical assignment decisions. Additionally, a complete analysis is done on medical claims (e.g., workers compensation claims) currently being referred and assigned for medical management and claims non-intervened for medical assignment. This includes: a) finalizing a list of AFOs/service centers to pull data on assignments; b) finalizing a list of data elements that will be captured from the list of AFOs for data mining; c) setting up and completing code to capture the data elements; and d) completing a review of test files for data mining. The AFOs are chosen and finalized based on their claim volume and their current practice of adhering to the conventional manual medical triage process described earlier. Data elements are chosen and finalized based on current, reliable data fields captured in T-MATE that are considered to have an impact on determining medical assignment. Further detailed review included financials (APV, medical and indemnity incurreds), NCCI code combinations, ICD-9 data of assigned and non-assigned claims, anticipated surgery indicator, lost time days, and data mining to determine when certain data elements are populated. The list of data elements for mining includes but is not limited to those shown in Appendix B, with some of the data elements representing a grouping of data. FIG. 2 shows a sample screen used for collecting/mining the data elements. FIGS. 3A and 3B show an example of the data mining results of NOI. Appendix C shows an example of the data mining results, where the “average” column denotes the number of days to completion of the data field, the “count” column denotes the claim count, and the “percent” column denotes the percentage of claim files with data field populated.
Based on the data mining results, it is determined that injury codes alone do not drive the medical assignment/referral decision. It is often the injury plus any red flag factors such as those listed in Appendix A. Accordingly, a streamlined medical referral and assignment logic is developed based on factors that most significantly impact the claim assignment to medical care. These factors are in turn based on a combination of the data mining results and the actuarial/financial/manual analysis described above. All of these factors may be considered for initial referrals and re-referrals, and they include:
A) A combination of selected NCCI codes to include both NOI and POB, a list of which is shown in Appendix D. Refer/re-refer when the claim matches one of the selected NCCI NOI/POB codes. ICMS will then display a referral objective as shown in Table 2.
B) Refer/re-refer when the “anticipated surgery” indicator has a value of A (anticipated), P (performed), or B (both anticipated & performed). ICMS will then display a referral objective as shown in Table 2.
C) Refer/re-refer when there is a new date which disability began as entered by the claim handler. ICMS will then display a referral objective as shown in Table 2.
D) Refer/re-refer a claim when actual lost time exceeds a predetermined period of time, e.g., 14 days (i.e., initial lost days). ICMS will then display a referral objective as shown in Table 2. All claims are included, not just the selected NOI/POB codes shown in Appendix D. One time event—only refer/re-refer once. Here, the claim handler and/or the MCM completes the RTW date and qualifier as soon as the injured worker (IW) returns to work to avoid unnecessary referrals to ICMS.
E) Refer/re-refer when the sum of the TT incurred, TP incurred, and medical incurred values (i.e., total cost of all three) is greater than a predetermined amount of money, e.g., $20,000, and there is an open disability. TT denotes temporary total disability, wherein the IW is totally disabled from work temporarily; TP denotes temporary partial disability, wherein the IW is partially disabled from work temporarily, i.e., the IW cannot perform his/her job fully but can perform some faun of work. In other words, a referral/re-referral will occur each time that the claim incurreds are greater than $20,000. ICMS will then display a referral objective as shown in Table 2.
F) Refer/re-refer if a selected ICD-9 code or early strategic intervention (ESI) ICD-9 code is processed through the medical bill re-pricing system in which all medical bills are input for payment and possible re-adjustment of payment due to state fee schedule or negotiated network rates. In other words, referral/re-referral logic will look at all of ICD-9 codes stored (primary, plus most recent codes stored) and create a referral/re-referral if any of the stored codes match the selected or ESI codes. The ICD-9 logic includes two distinct groups of ICD-9 codes that may run through the ICMS referral/re-referral logic to create an automated referral. Thus, the referral/re-referral occurs when there is a change of ICD-9 code that matches the criteria of the ICD-9 codes in these two distinct groups, which are:

    
    
        1 ICD-9 codes that are associated with potential ESI claims (ESI ICD-9 codes), as shown in Table 1; and
        2. ICD-9 codes which identify claims with significant medical issues that require medical intervention (selected ICD-9 codes), a sample list of which is shown in Appendix E.
    
    











TABLE 1






ESI Diagnosis
ICD-9 Code


















RSD
337.9



Multiple Sclerosis
340



Thoracic Outlet Syndrome
353.0



Psychiatric Disorder
300.9



Substance Abuse: ETOH
305



Substance Abuse: Drugs
305.9



Chronic Pain
729.5



Post Traumatic Stress Disorder
309.89



Organ Transplant - V Code
V43 (996.8 complication 




of transplanted organ)



Toxic Exposure
980-987 depending 




upon type of substance



Electrocution
994.8



Post Concussion Syndrome
310.2/850.9



Failed or multiple back surgeries
724.9



Rape/Assault
959.9









For the first distinct group, i.e., the ESI ICD-9 codes, there may be an automated ICMS medical assignment/referral of the claim when the ICD-9 code of the claim matches the ESI ICD-9 codes used by the major case unit (MCU). The MCU is a dedicated unit of technical experts whose primary function is to handle catastrophic and large loss claims. Additionally, a referral objective may be displayed in ICMS as shown in Table 2. Consequently, a discussion may take place between the claim handler and the MCM to determine the ESI eligibility and referral to the MCU. For the second distinct group, i.e., the selected ICD-9 codes, an automated ICMS assignment will occur when the ICD-9 code of the claim matches one of the selected ICD-9. Again, a referral objective may then be displayed in ICMS as shown in Table 2.
If the claim factors match more than one automated assignment triggers or claim factors above, each trigger creating the automated assignment can be displayed. For example, if lost time exceeds a predetermined time frame, e.g., 14 days, and the anticipated surgery indicator is present, both referral objectives will be listed. As mentioned earlier, Table 2 shows the automated assignment/referral and re-referral objectives that can be displayed, individually or jointly, in the ICMS.








TABLE 2





Referral Logic
Referral Objective To Be Displayed







NOI/POB code 
“Nature of Injury/Part 


combination met
of Body description meets 



medical assignment criteria”


Anticipated/performed 
“Surgery is anticipated or has 


surgery (A/P/B)
been performed, please assign”


Lost time exceeds 14 days
“Patient has not RTW in over 14 days”


TT, TP and Medical Incurred 
“The total TT, TP 


total exceeds $20,000
& medical incurreds



exceed $20,000”


a. Selected ICD-9 codes
a. “The current ICD-9 diagnosis 



meetsmedical assignment criteria”


b. ESI ICD-9 codes
b. “Claims falls within ESI criteria, 



pleaseevaluate for medical 



assignment and referralto MCU”


New date disability began
“Patient has begun a new disability period”









According to an embodiment of the present invention, the medical referral logic of step 4 in FIG. 1 includes claim factors that can prevent an automated assignment to ICMS, and they include: 1) claim is closed in T-MATE; 2) policy coverage=N (none) or U (unknown); 3) controverted indicated=Yes; 4) date of death is populated; 5) there is already an open ICMS referral; 6) the policy is an opted out account; 7) there is a prior carrier policy or excess carrier file; 8) the IW returned to work full duty, or the IW will never RTW; and 9) bypass some controlling offices, i.e., those customer-dedicated offices that have chosen to bypass and not use the medical program of the host insurance carrier or health care plan provider. When the aforementioned claim factors or data fields exist, a negative answer results from step 8, and an automated ICMS assignment will be blocked and the system referral is not sent in step 7. However, a manual medical referral may still be sent by the claim handler in step 6 in some circumstances as a result of the claim handler recognizing the need for medical assignment in step 5. For instance, a customer who may normally use the medical program of the host insurance carrier may request an assignment on a case-by-case basis (usually for serious injuries).
According to an embodiment of the present invention, an automated medical assignment/referral can be prevented—despite the fact that the claim data matches the medical assignment/referral logic in step 8 of FIG. 1, and a generated medical referral is sent to the ICMS roster—if there exists one of previous non-intervened milestones. All claims displayed on the ICMS roster at step 9 will take one of two paths: a) assignment to a MCM; or b) non-intervention. For MCM assignment, if all claim factors are updated in T-MATE as claim facts change, and the claim requires medical management, the MCM will complete the case assigned/case received and sent activity and assign the claim to a nurse in step 11. The “case assigned” activity: 1) is used to create a diary for the medical personnel, e.g., a nurse, to whom the claim is assigned; 2) is marked completed with the result code “case received” by the nurse to whom the claim is assigned, which creates the referral-opened-by-medical milestone; 3) is not used when a claim is non-intervened; and 4) is not used for the sole purpose of removing a claim from the ICMS roster. The “sent” activity happens when the nurse sends the claim activity to T-MATE to become part of the claim notes.
If the SAC instructions require pre-approval prior to managing the claims, the dedicated MCM to the account should seek pre-approval from the customer, prior to completing the case assigned/case received activity. To further streamline the assignment process, nurses can be designated to specific market, employer-dedicated claim units, and/or alpha-split claim units to allow them to remove their own claims from the ICMS roster. Alpha split claim units are those tasked with assigning claim notices to the claim handlers based on alphabetical split of the customer name; for example, one claim handler or adjuster may manage customers with first letter A to G in their names. According to the present invention, the ICMS will not automatically create assignments directly to individual nurses.
For non-intervention of a claim sent to the ICMS roster, there are three distinct reasons such claim may be non-intervened, i.e., three non-intervened milestones:

    
    
        1. The claim does not meet medical assignment criteria in step 12, when reviewed by the MCM in step 10. Here, a result code of “Non-intervene, does not meet criteria” will display in ICMS. The MCM can also add a note with the specific rationale as to why the claim does not require medical assignment. This will allow for future analysis and enhancements to the assignment logic. For instance, a claim may have met the referral logic because the claim data was not updated, where it appeared that there was an open disability, but the injured employee had returned to work; or the claim met the referral logic but the severity was very low, such as the surgery performed was to suture a cut hand and there was minimal time loss for work.
        2. SAC instructions indicate that the customer does not want medical management assigned. Here, a result code of “Non-intervene per customer request” will display in ICMS.
        3. Claim is a CAT and MCU has assigned an external resource. Here, a result code of “Non-intervene CAT” will display in ICMS.

If one of the aforementioned non-intervened milestones exists, the claim is not assigned to a nurse to manage, as shown in step 13. T-MATE claim data is then updated as claim facts change, as shown in step 14, and the workflow is started at step 8 again.

    
    


As noted in the goals and benefits of the enhanced medical triage of the present invention, manual medical referrals are retained for the claim handlers, as shown in steps 5 and 6 of FIG. 1. In other words, claim handlers maintain the ability to manually refer a claim to ICMS that does not meet the automated assignment logic, and requires medical intervention. As with the automated medical referral/assignment, the claim is reviewed by the MCM at step 10 to determine whether the claim meets the assignment criteria, and the workflow of FIG. 1 continues as mentioned earlier with regard to steps 11-14. Claims sent manually by the claim handlers at steps 5 and 6 may include CM claims and CB claims. Appendix G shows a table detailing the key data elements to manually determine medical assignment.
The medical claim assignments found on the ICMS roster include CB claims, CM-Plus claims, and CM claims. The CB claims include claims that meet the automated assignment logic & claims that are manually sent by the claim handler through the T-MATE Medical referral screen process. The CM-Plus claims are those CM claims that are identified as potentially requiring medical management, due to the type injury and/or treatment, and include those claims that meet the CM-Plus referral logic and the customer has elected to use the CM-Plus product. The CM-Plus referral logic includes repetitive trauma, carpal tunnel, knee injuries, and back injuries with ongoing physical therapy or chiropractic treatment. CM-Plus claims may require review and an assignment decision because the assigned medical personnel, such as an assigned nurse, may need to review for the potential to positively impact the claim outcome due to the medical management charge to the claim file. The review often requires the nurse to contact the treating physician to determine the medical status of the IW. CM claims include only those claims that are manually sent by the claim handler through the T-MATE Medical referral screen process.
In order to maintain the early intervention and quick turnaround of medical assignments, one person per service center may be designated to review the ICMS roster periodically at a predetermined interval, e.g., daily, to be sure all claims, either assigned or non-intervened, are periodically removed. As mentioned earlier, all claims sent to ICMS through the automated assignment logic and through the manual medical referral screen process will list a referral objective and be displayed in ICMS in the “Claim. Rep Notes” on the Event screen. Appendix F shows the notes that will display in T-MATE when a medical referral is created. These notes will also display in ICMS in the “Claim Rep Notes” on the Event screen.
As part of the continual improvement process, the enhanced medical triage and assignment process is reviewed to assure consistency of assignments from office (AFO) to office by injury type, severity of injury, and potential medical impact. In addition, the goal is to continually decrease the number of unnecessary referrals sent to the medical unit for review, thus increasing efficiency of the medical assignment process. Part of the improvement process is the use of management information reports that are generated based on “milestones” which are created when certain system activities take place. Milestones include: referral (assignment) and closures (non-intervened). These milestones is used to report statistics on AFO acceptance of claims for medical management. Table 3 shows the Referral Type Milestones that are created in T-MATE when various types of referrals are made to ICMS.







TABLE 3







Referral Type Milestones










Milestone
Description






Auto referral to Medical
Standard Automated Referral



14-day Auto referral 
Automated Referral when no 



to Medical
return to work within 14 days



New Disability Auto referral 
Automated Referral when new 



to Medical
Date Disability Began is entered



Manual Referral to Medical.
Manual Medical Referral



Nurse Referral to Medical
Nurse opens claim in ICMS 




and T-MATE sends back a referral









Table 4 shows the referral-opened-by medical milestone, which is created in T-MATE when “case assigned”/“case received” is completed in ICMS.








TABLE 4







Referral-Opened-by-Medical Milestone










Milestone
Description






Referral opened by medical
Referral has been 



{Case Assigned/Case Received}
accepted for Medical




Management.









Table 5 shows the non-intervened milestones that are created in T-MATE when specific result codes noted below are used with the activity “Cease Activity” in ICMS. Non-intervened result codes are not appropriate when closing a claim after medical management has been initiated. Closure codes such as “Adjuster Requests Closure” are more appropriate when the claim has been initially managed and then requires closure.








TABLE 5







Non-intervened Milestones








Milestone
Description





Non-intervened by Medical - Does not
Non-intervened by Medical as 


meet criteria {cease activity/non-
claim would not benefit from 


intervene - does not meet criteria}
medical intervention.


Non-intervened by Medical 
Non-intervened by medical on 


per Customer Request 
this specific claim as 


{cease activity/non-intervene -
requested by customer


per customer request}



non-intervened by medical - CAT 
Non-intervened - catastrophic 


{cease activity/non-intervene CAT}
claim which MCU will manage









Additionally, the referral objectives for both automated and manual referrals are reviewed to determine if the claim requires ongoing medical case management, or utilization review/pre-certification only. The manual referral displays the primary service requested which includes telephonic case management, UR only, or on-site medical or vocational. The referral will also indicate an UM or surgical referral if the referral includes a current treatment request. Ongoing medical management, rather than pre-cert/UR only is considered any time there is ongoing lost time and/or medical treatment. This includes manual and automated referrals.
FIG. 4 shows the existing system environment (top part of the figure) for the current medical referral/assignment process and the new system environment additions (bottom part of the figure) to implement the enhanced medical triage of the present invention. The PICM Auto Medical Assignment driver is a traffic router and a driver for the automated medical assignment system process. It is initiated first, filters through preliminary edits, and initiates other components that conduct more detailed and specialized functions. The components initiated by the PICM return control back to the PICM and provide a return message. The PICM then interrogates the message to determine the appropriate next step to conduct for the entire process. The Referral/Re-referral is one of the components initiated by the PICM. It performs all of the triage/assignment edits that have been stored in various data stores. Its basic functions is to determine if a claim needs to be sent to medical either for the first time or as a re-referral. This decision point is triggered when a triage/assignment edit exists. Once a decision is made, it returns control to the PICM driver component and passes a return message. The MedRef Process component is another component initiated by the PICM for two functions: 1) whenever a new referral or a re-ferral is required to by processed; and 2) whenever the system must determine if data has changed in the WC claim system that needs to be propagated into the medical system, so that both system can be in sync with its data. Once processing is complete it returns control to the PICM driver component and passes a return message. The Data Reformatter process component is also initiated by the PICM, and its function is to format a referral/re-referral message or a data update message to be sent to the medical system. It also reads the data stores, gathers the data, builds a message to conform to a specified layout, and places this message onto the ICMS queue component. The data from the ICMS queue is then forwarded via an existing hourly ICMS process to a medical vendor, such as Intracorp, for processing of the claims.
In summary, the enhanced medical triage of the present invention maintains early intervention by the system review of referrals, in addition to creating assignment logic to send only those claims to medical review that require medical intervention. The enhanced medical triage is based on a detailed study of claim data elements, actuarial study, and predictive modeling was reviewed and modeled after the medical supervisor review process. The benefits to this approach are to improve consistency and quality of medical assignments from office to office, and to reduce the unnecessary referrals to ICMS. In addition, the claim handler maintains the ability to manually assign a claim to the medical unit at any time. Furthermore, with turn-overs of claim personnel, inconsistent claim handling and referrals may arise with new claim personnel coming into the job with different opinions and/or different sets of experience. The enhanced medical triage of the present invention allows the new claim personnel to build the body of knowledge of previous personnel, instead of having to start over and provides more consistency between personnel, between offices, and between jurisdictions (because health care plans such as workers compensation plans are state-driven and statutory-driven). Employers will benefit from reduced claim costs, early intervention by claim handlers, and consistency of medical case assignment. This puts the employer in the position where selected lost time claims that have the potential for the greatest medical impact are assigned automatically once compensibility is established.
Although the invention has been described with reference to these preferred embodiments, other embodiments could be made by those in the art to achieve the same or similar results. Variations and modifications of the present invention will be apparent to one skilled in the art based on this disclosure, and the present invention encompasses all such modifications and equivalents.







APPENDIX A





Common Triage/Assignments Decision Points 


Utilized in Today's ICMS Environment
















1.
Date of Injury (DOI) → If DOI already exceeds a 



predetermined period of time, e.g., 14 days, immediate 



medical assignment should be made.


2.
Special Account Communication (SAC) instruction review → 



Follow customer request from SAC instructions for



medical assignment (SAC instructions refer to



customer-specific service requirements that the 



claim professional must meet in handling the claim).



For accounts with SACs related to medical 



assignment pre-approval, up to 50% of 



the triage time is related to SAC compliance.


3.
Diagnosis/ICD-9 (if available) → The following diagnoses are 



medically assigned the majority of the time (can also be derived



from NCCI injury and body part codes):



 Backs



 Necks/disc involvement



 Shoulder/rotator cuffs



 Knee injuries



 Repetitive injuries



 Hernia - 50% assignment;



 Wherein ICD-9 refers to the International Classification 



 of Diseases, Ninth



 Revision; and NCCI refers to the National Council 



 on Compensation Insurance.


4.
History of prior injury and pre-existing conditions.


5.
Work status → If out of work (OOW), then assign; if 



modified work duty, then 50% assignment.


6.
Type of ICMS referral → If manual by adjuster, then assign; 



If automated to ICMS, then perform triage.


7.
All claims where surgery is anticipated.


8.
When there is a request for medical services, for all



therapy, diagnostics, DME, etc.


9. 
Red flags present, e.g., no follow up doctor visit and OOW, 



multiple claim history, out of network provider,



injured worker (IW) in need of physician referral.


10.
Description of IW's job (e.g., heavy, repetitive)


11.
If modified duty is available, and if RN can 



assist in identifying modified duty.


12.
Disability duration, as outlined in medical protocols (limited use).
















APPENDIX B





Data Elements for Mining















CARR market code (or any market code)


ICMS referral date


ICMS manual (MedRef) indicator


ICMS assignment date


Job class code


Job hazard index code


Loss designator


Loss designator level indicator


Second injury indicator


Education level


Work level (i.e., heavy, light, sedentary)


Light work available (Y/N)


Occupational risk indicator (i.e., Char(1); L—light; M—medium; 


H—heavy, blank)


Probability of permanent injury (i.e., Char(1); L—low; M—medium; 


H—high; N—none; blank)


Controverted indicator


MIRA factors


Selected system data items:








  1. 
AFO code


  2.
Claim number


  3.
Adjusting state


  4.
Date of NOL (Notice of Loss)


  5.
SIC code (Standard Industry Classification)


  6.
Employee Sex


  7.
Initial treatment code


  8.
Full/Part time indicator


  9.
Date of birth


 10.
Injured worker type


 11.
Wok days per week


 12.
Average weekly wage


 13.
Overtime indicator


 14.
Date of hire


 15.
Length of employment - years


 16.
Accident date


 17.
Date reported to employer


 18.
Lost time indicator


 19.
Return to work indicator


 20.
Return to work date


 21.
Fatality indicator


 22.
Date of death


 23.
Last day worked


 24.
Cause code


 25.
Part of body (POB) code


 26.
Nature of injury (POI) code


 27.
Previous injury indicator


 28.
First aid indicator


 29.
Hospital indicator


 30.
Physician indicator


 31.
Ambulance indicator


 32.
First Aid date


 33.
Hospital first date of treatment


 34.
Hospital length of stay


 35.
Physician First date of treatment


 36.
Physician's specialty.
















APPENDIX C







Data Mining Results and Data Integrity











Variable
All Claims
Average
Count
Percent (%)















Days_NOL
28.38
6570



1
T_NOL_Date
1.0
6570
100


2
T_Adj_State 
1.0
6570
100


3
T_Cov_Ver_Ind
1.0
6570
100


4
T_First_Aid_Ind
1.0
814
12


5
T_Hosp_Ind
1.0
4537
69


6
T_Phys_Ind
1.0
1454
22


7
T_Work_Days_Week
1.01
6570
100


8
T_DOL
1.02
6570
100


9
T_Part_Body
1.03
6569
100


10
T_Gender
1.03
6569
100


11
T_Cause_Injury 
1.03
6570
100


12
T_Reg_Work_Status
1.04
6192
94


13
T_Nature_Injury
1.05
6570
100


14
T_Initial_Treat_Code
1.10
5794
88


15
T_Rept_Employer_Date
1.10
6567
100


16
T_Claimant_Zip
1.17
6516
99


17
T_DOB
1.32
6349
97


18
T_Policy_Num
1.33
6463
98


19
T_CARR_Market
1.42
6393
97


20
T_Hire_Date
1.42
5632
86


21
T_Sailor_Acct_Num
1.43
5175
79


22
T_Lost_Time_Ind
1.47
5820
89


23
T_Prev_Injury_Ind 
1.75
6310
96


24
T_Loss_Des
1.99
6570
100


25
T_Subro_Flag
3.46
6401
97


26
T_Ret_Work_Ind
3.47
5686
87


27
T_Cum_Trauma_Ind
3.61
6399
97


28
T_AWW
4.08
5783
88


29
T_Last_Day_Worked
4.25
3620
55


30
T_Level_Ind
4.89
5433
83


31
T_Cat_Code
4.91
573
9


32
T_Salary_Cont
5.14
5514
84


33
T_Cat_Ind
5.18
5463
83


34
T_Educ_Level
5.77
371
6


35
T_Contro_Ind
6.32
4936
75


36
T_ICMS_Ref_Date
6.63
3573
54


37
T_Light_Work_Avail_Ind 
6.65
1984
30


38
T_Marital_Status 
7.49
2409
37


39
T_Non_Inter_Med_Date
7.74
2142
33


40
T_Sec_Injury_Ind 
8.39
1377
21


41
T_Litig_Antic_Ind 
8.77
4989
76


42
T_Antic_Med_Mang
9.00
4207
64


43
T_Occ_Risk_Ind
9.02
4966
76


44
T_Ret_Work_Data
9.08
1659
25


45
T_Job_Class_Code
9.11
5111
78


46
T_Comp_Rate
9.14
5084
77


47
T_Surg_Antic_Ind
9.30
4899
75


48
T_ICMS_Assign_Date
10.04
1649
25


49
T_Ret_Work_Qual
10.44
1513
23


50
T_Prob_Perm_Inj 
11.63
4656
71


51
T_DOD
11.94
380
6


52
T_ref_Clsd_Med_Date
17.91
443
7
















APPENDIX D





NCCI NOI/POB Codes
















NOI
Do Not Assign





 1
no physical injury


 3
angina pectoris


54
asphyxiation


30
freezing


31
hearing loss or impairment


32
heat prostration


36
infection


37
inflammation


53
syncope


55
vascular


58
vision loss


60
dust disease


61
asbestosis


62
black lung


63
byssinosis


64
silicosis


65
respiratory disorders


66
poisoning—chemicals


67
poisoning—metal


68
dermatitis


69
mental disorder


70
radiation


71
all other occupational disease


72
loss of hearing


73
contagious disease


76
VDT





NOI
Small 100% Assignment





 7
concussion


13
crushing


22
enucleation


25
foreign body


42
poisoning


41
myocardial infarction


74
cancer


75
aids


77
mental stress


90
mult physical injuries


91
mult inj/phys & psych















Large 
Recom-




NOI
Numbers
mendation
POB





10
contusion
include
10
mult head inj





11
skull





12
brain





20
mult neck inj





21
vertebrae





22
neck disc





25
neck soft tissue





30
multiple upper extremities





38
shoulder





42
lower back





43
trunk disc





53
knee





63
lumbar & sacral vert





91
body systems


40
laceration
include
11
skull





13
ears





20
mult neck inj





26
trachea





34
wrist





38
shoulder





90
mult body parts





91
body systems


49
sprain
include
22
neck disc





30
mult upper extemities





31
upper arrn





38
shoulder





39
wrist & hand





40
mult trunk





42
lower back





43
trunk disc





47
trunk spinal cord





51
hip





52
upper leg





53
knee





90
mult body parts





91
body systems


52
strain 
include 
11
skull





21
vertebrae





22
neck disc





25
neck soft tissue





30
mult upper extemities





31
upper arm





32
elbow





33
lower arm





34
wrist





38
shoulder





39
wrist & hand





41
upper back





42
lower back





43
trunk disc





52
upper leg





53
knee





63
lumbar & sacral vert





90
mult body parts


59 
all other spec. 
include
10
mult head inj



inj., NOC

12
brain





22
neck disc





23
neck spinal cord





38
shoulder





39
wrist & hand





41
upper back





42
lower back





43
trunk disc





50
mult lower extremities





51
hip





53
knee





63
lumbar & sacral vert





90
mult body parts






Investigated 





NOI
by POB
Rec'dation
POB





 2
amputation
include all




 4
burn
include
40
multiple trunk





50
multiple lower extremities





52
upper leg





61
abdomen incl groin





90
multiple body parts


16
dislocation
incl. all but
36
finger





37
thumb





56
foot





57
toes





58
great toe


19
electric shock
include
11
skull





35
hand





90
mult body parts





91
body systems


28
fracture
incl. all but
16
teeth





18
head soft tissue





35
hand





36
finger





37
thumb





44
chest





45
sacrum & coccyx





57
toes





58
great toe





62
buttocks





64
artificial appliance





34
hernia include





20
multiple neck injury





21
vertebrae 22 neck disc





42
lower back





43
trunk disc





61
abodomen Incl. Groin


43
puncture
include
13
ears





14
eyes





48
internal organs





91
body systems


46
rupture
incl. all but
36
finger





37
thumb





54
lower leg


47
severance
include all




78
carpal tunnel
include all




80
all other 
include
20
mult neck inj



cumulative 

21
vertebrae



injury

22
neck disc





30
mult upper extremities





31
upper arm





32
elbow





34
wrist





38
shoulder





39
wrist & hand





40
multiple trunk





41
upper back





53
knee





56
foot





90
mult body parts
















APPENDIX E







Sample List of Selected ICD-9 Codes








ICD-9 Code 
ICD-9 Description











308.3
acute stress react nec


308.9
acute stress react nos


309.81
prolong posttraum stress


337
idiopath auto neuropathy


337.2
reflex sympat dystrophy


337.2
reflex symp dystroph nos


337.21
ref symp dyst upper limb


337.22
ref symp dyst lower limb


337.29
reflex symp dystroph nec


353.1
lumbosacral plex lesion


353.2
cervical root lesion nec


353.3
thoracic root lesion nec


353.4
lumbsacral root les nec


354
carpal tunnel syndrome


354
mononeuritis upper limb


354.1
median nerve lesion nec


354.2
ulnar nerve lesion


354.3
radial nerve lesion


354.4
causalgia of upper limb


354.5
mononeuritis multiplex


354.8
mononeuritis arm nec


354.9
mononeuritis arm nos


550
inguinal hernia


550
unilating hernia w gang


550.1
unilating hernia w obst


550.12
bilating hernia w obst


550.9
unilatinguinal hernia


550.9
inguinal hernia nos


550.92
bilatinguinal hernia


553
other abdominal hernia


553
femoral hernia


553
unilat femoral hernia


553.02
bilateral femoral hernia


553.1 
umbilical hernia


553.2 
ventral hernia nos


553.2 
ventral hernia


553.21
incisional hernia


553.29
ventral hernia nec


553.3 
diaphragmatic hernia


553.8 
hernia nec


553.9 
hernia nos


682.4 
cellulitis of hand


6826
cellulitis of leg


682.7 
cellulitis of foot


6829
cellulitis nos


715
general osteoarthrosis


715.15
loc prim osteoart-pelvis


715.16
loc prim osteoart-l/leg


715.91
osteoarthros nos-shlder


715.92
osteoarthros nos-up/arm


715.93
osteoarthros nos-forearm
















APPENDIX F





Medical Referral Notes















Med Referral Information: 


The employee's SSN is ____________


The employee is __ (Male/Female) Date of Birth: __/__/____


Occupation: _____________________________________________


Date of loss: __/__/____


This a surgical referral OR This is a non-surgical referral. 


Primary service requested: _________________________________


Medical information: (followed by at least one of the following 5 lines) 


Physical therapy is requested.


Chiropractic is requested.


Diagnostic tests are requested. 


No medical requests.


Injury description: _________________________/______________


Cause: _________________________________________________


Nature: ________________________________________________


An IME has been performed. OR An IME has not been performed. 


Current Treating physician: ________________________________


Phone: (___) ___-____ Address: ____________________________


Modified duty is available. OR It is unknown whether modified duty 


is available. OR Modified duty is not available. 


The employee is currently out of work since __/__ /____ 


OR They employee is currently working 


SAC Text, if any. 


Med Referral Objective: 


Comments/Referral Objective: 


_______________________________________________________
















APPENDIX G







Manual ICMS Triage Process










Source 
Timing/


Data
of Data
Availability





Work Status - if OOW 
T-MATE/Host
NOL


or on modified duty:

Updated after initial


 A. Actual lost 

claim contacts


 time > 14 days




 B. Anticipated lost 




 time > 14 days




 C. Modified duty > 




 14 days




SAC
Claim Reference
SAC language and 



Library
SAC coding impacting 




ICMS referrals




requires updating


Diagnosis
Claim notes only.
ICD-9 not displayed in



Note: the nature of
T-MATE. Diagnosis is



injury listed may be
found to frequently be



viewed as the
missing (in notes) at



diagnosis
initial stage. Dx




confirmed at 1st 




medical bill.


ICMS Protocols - 
ICMS
Once diagnosis is


to determine

known, protocols may


disability duration

be used to estimate




disability period


IW's job category or 
Job Class code - T-
Job Class - MIRA factor


description of 
MATE
Title - NOL


physical demand 
Job title - T-
Job category (i.e.,


category
MATE/ICMS
sedentary, light, etc.)



DOT/Job category -
derived from DOT 



ICMS
code


Treating physician look 
T-Mate - C&I
At NOL - often 


for network status
screen, directory &
missing or inaccurate


or specialty of MD
notes
information available 



ICMS - Med Ref
at triage


Red Flags present:




 A. Prior injury to 
T-MATE
MIRA factor


 same body part




 B. Age > 55




 C. Employee 
T-MATE
MIRA


 hospitalized




 D. Pre-existing 
Notes



 condition




 E. Lay-off status/




 seasonal worker




 F. Date of Hire
T-MATE
MIRA



T-MATE




T-MATE
MIRA


Compensability status
T-MATE
After ICU/RTW




determination


Anticipated surgery
Notes/protocols
At MD contact


Expected or requested 
Notes/derived from
At MD contact


treatment (need for
protocols



pre-cert/UR




or watch Tx)

## Claims

1. A computer implemented and user assisted method of providing medical referrals for medical insurance claims, comprising:
receiving, by a computer, a reported medical insurance claim;
collecting, by the computer, data related to the reported medical insurance claim;
transmitting, by the computer, the reported medical insurance claim and the collected data relating to the reported claim to medical referral logic;
automatically performing, by the computer, the medical referral logic on the reported medical insurance claim and the collected data to determine whether a medical referral is warranted based upon predetermined referral criteria;
when the medical referral is warranted, automatically transmitting, by the computer, the reported medical insurance claim and the collected data to a medical case management system to determine whether to assign the reported medical insurance claim to a medical personnel;
when the medical referral is not warranted, preventing, by the computer, the reported medical insurance claim and the collected data from being referred to the medical case management system;
collecting, by the computer, updated data relating to the reported medical insurance claim when the data changes;
when the updated collected data is present, automatically performing, by the computer, the medical referral logic on the reported medical insurance claim and the updated collected data to determine whether a medical referral is warranted based upon the predetermined referral criteria; and
when the medical referral is warranted, automatically transmitting, by the computer, the reported medical insurance claim and the updated collected data to a medical case management system to determine whether to assign the reported medical insurance claim to the medical personnel.

2. The method of claim 1, wherein the medical insurance claim is reported, by the computer, from a telephone reporting center to a claim service office via a claim management system.

3. The method of claim 1, wherein the medical referral logic comprises analyzing, by the computer, previous claims that are similar to the reported medical insurance claim and their medical referrals and assignments.

4. The method of claim 3, wherein the analyzing the previous similar claims and their medical referrals and assignments comprises:
preparing, by the computer, a list of data elements relating to the previous similar claims;
capturing, by the computer, the data elements from the prepared list; and
determining, by the computer, when at least one of the captured data elements is populated.

5. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
preparing, by the computer, a main list of combinations of a plurality of nature of injury (NOI) data and a plurality of part of body (POB) data on which the plurality of NOI are associated;
selecting, by the computer, from the main list a sub-list having combinations of one of the plurality of NOI and an associated one of the plurality of POB that desire medical referral (NOI/POB);
comparing, by the computer, the reported claim and the collected data with the sub-list of combinations of NOI/POB; and
determining, by the computer, that the medical referral is warranted when the reported claim and the collected data match with at least one of the sub-list of combinations of NOI/POB.

6. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether there is at least one of an indication of anticipated surgery and an indication of surgery already performed on the reported claim; and
determining, by the computer, that the medical referral is warranted when there is at least one of the indication of anticipated surgery and the indication of surgery already performed on the reported claim.

7. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
determining, by the computer, whether there is a new date which disability began for the reported claim; and
determining, by the computer, that the medical referral is warranted when there exists the new date which disability began.

8. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
determining, by the computer, whether a sum of TT incurred, TP incurred, and medical incurred is greater than a predetermined monetary value; and
determining, by the computer, that the medical referral is warranted when the sum is greater than the predetermined monetary value.

9. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
preparing, by the computer, a main list of ICD-9 codes for which the medical referral is warranted;
determining, by the computer, whether the reported claim and the collected data include one of the ICD-9 codes in the main list of ICD-9 codes; and
determining, by the computer, that the medical referral is warranted when the reported claim and the collected data include one of the ICD-9 codes in the main list of ICD-9 codes.

10. The method of claim 9, wherein the preparing the main list of ICD-9 codes for which the medical referral is warranted comprises:
preparing, by the computer, a first sub-list having selected ICD-9 codes which identify claims with significant medical issues that require medical attention; and
preparing, by the computer, a second sub-list having ICD-9 codes of early strategic intervention, which denote a desire to medically intervene.

11. The method of claim 1, wherein the reported claim relates to an injury sustained by an individual; and
wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether the injured individual has not returned to work for more than a predetermined period of time after the injury; and
determining, by the computer, that the medical referral is warranted when the injured individual has not returned to work for more than the predetermined period of time after the injury.

12. The method of claim 1, wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether there is at least one of an indication of anticipated surgery and an indication of surgery already performed on the reported claim;
determining, by the computer, whether there is a new date which disability began for the reported claim;
determining, by the computer, whether a sum of TT incurred, TP incurred, and medical incurred is greater than a predetermined monetary value; and
preparing, by the computer, a main list of ICD-9 codes for which the medical referral is warranted.

13. The method of claim 1, wherein the medical referral logic comprises specific market or employer resource information.

14. The method of claim 1, wherein the medical referral logic comprises information provided by medical team leaders in local claim service centers regarding (a) current methods of claim evaluation to determine medical referral; and (b) Special Account Communication (SAC) instructions that impact medical referral decisions.

15. The method of claim 1, wherein the medical referral logic comprises analyzing, by the computer, reported medical insurance claims currently being referred and assigned for medical management and claims non-intervened for medical referral.

16. The method of claim 15, wherein the analyzing the reported medical insurance claims currently being referred and assigned for medical management and claims non-intervened for medical referral comprises:
preparing, by the computer, a list of data elements relating to the claims;
capturing, by the computer, the data elements from the prepared list; and
determining, by the computer, when at least one of the captured data elements is populated.

17. The method of claim 3 or 15, wherein the analyzing the claims comprises:
reviewing, by the computer, one or more of actual paid value, medical incurreds, indemnity incurreds, National Council on Compensation Insurance (NCCI) codes, ICD-9 data of assigned and non-assigned claims, anticipated surgery indicator, and lost time days.

18. The method of claim 1, further comprising:
when the medical referral is warranted, preventing, by the computer, the reported medical insurance claim and the collected data from being referred to the medical case management system if any of the following, determined by the computer, are true:
the claim is closed in the claim management system;
policy coverage is N (none) or U (unknown);
controverted indicator is Yes;
date of death is populated;
there is already an open medical case management system referral;
the policy is an opted out account;
there is a prior carrier policy or excess carrier file;
the injured worker returned to work full duty;
the injured worker will never return to work; or
the medical program of the host insurance carrier or health care plan provider is bypassed.

19. The method of claim 1, wherein the reported medical insurance claim is from a workers compensation insurance carrier, a health insurance carrier, or a health care plan provider.

20. The method of claim 1, further comprising:
receiving, by the medical case management system, from a claim handler, the reported medical insurance claim and collected data relating to the reported claim.

21. The method of claim 1, further comprising:
generating, by the computer, one or more management information reports based on milestones created when certain system activities take place.

22. A system for providing medical referrals for medical insurance claims, comprising a computer having a processor and computer-readable program code for performing the following computer implemented functions:
receiving, by the computer, a reported medical insurance claim;
collecting, by the computer, data related to the reported medical insurance claim;
transmitting, by the computer, the reported medical insurance claim and the collected data relating to the reported claim to medical referral logic;
automatically performing, by the computer, the medical referral logic on the reported medical insurance claim and the collected data to determine whether a medical referral is warranted based upon predetermined referral criteria;
when the medical referral is warranted, automatically transmitting, by the computer, the reported medical insurance claim and the collected data to a medical case management system to determine whether to assign the reported medical insurance claim to a medical personnel;
when the medical referral is not warranted, preventing, by the computer, the reported medical insurance claim and the collected data from being referred to the medical case management system;
collecting, by the computer, updated data relating to the reported medical insurance claim when the data changes;
when the updated collected data is present, performing, by the computer, the medical referral logic on the reported medical insurance claim and the updated collected data to determine whether a medical referral is warranted based upon the predetermined referral criteria; and
when the medical referral is warranted, automatically transmitting, by the computer, the reported medical insurance claim and the updated collected data to a medical case management system to determine whether to assign the reported medical insurance claim to the medical personnel.

23. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
preparing, by the computer, a main list of combinations of a plurality of nature of injury (NOI) data and a plurality of part of body (POB) data on which the plurality of NOI are associated;
selecting, by the computer, from the main list a sub-list having combinations of one of the plurality of NOI and an associated one of the plurality of POB that desire medical referral (NOI/POB);
comparing, by the computer, the reported claim and the collected data with the sub-list of combinations of NOI/POB; and
determining, by the computer, that the medical referral is warranted when the reported claim and the collected data match with at least one of the sub-list of combinations of NOI/POB.

24. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether there is at least one of an indication of anticipated surgery and an indication of surgery already performed on the reported claim; and
determining, by the computer, that the medical referral is warranted when there is at least one of the indication of anticipated surgery and the indication of surgery already performed on the reported claim.

25. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
determining, by the computer, whether there is a new date which disability began for the reported claim; and
determining, by the computer, that the medical referral is warranted when there exists the new date which disability began.

26. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
determining, by the computer, whether a sum of TT incurred, TP incurred, and medical incurred is greater than a predetermined monetary value; and
determining, by the computer, that the medical referral is warranted when the sum is greater than the predetermined monetary value.

27. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
preparing, by the computer, a main list of ICD-9 codes for which the medical referral is warranted;
determining, by the computer, whether the reported claim and the collected data include one of the ICD-9 codes in the main list of ICD-9 codes; and
determining, by the computer, that the medical referral is warranted when the reported claim and the collected data include one of the ICD-9 codes in the main list of ICD-9 codes.

28. The system of claim 27, wherein the preparing the main list of ICD-9 codes for which the medical referral is warranted comprises:
preparing, by the computer, a first sub-list having selected ICD-9 codes which identify claims with significant medical issues that require medical attention; and
preparing, by the computer, a second sub-list having ICD-9 codes of early strategic intervention, which denote a desire to medically intervene.

29. The system of claim 22, wherein the reported claim relates to an injury sustained by an individual; and
wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether the injured individual has not returned to work for more than a predetermined period of time after the injury; and
determining, by the computer, that the medical referral is warranted when the injured individual has not returned to work for more than the predetermined period of time after the injury.

30. The system of claim 22, wherein the automatically performing the medical referral logic comprises:
assessing, by the computer, the reported claim and the collected data to determine whether there is at least one of an indication of anticipated surgery and an indication of surgery already performed on the reported claim;
determining, by the computer, whether there is a new date which disability began for the reported claim;
determining, by the computer, whether a sum of TT incurred, TP incurred, and medical incurred is greater than a predetermined monetary value; and
preparing, by the computer, a main list of ICD-9 codes for which the medical referral is warranted.

31. The system of claim 22, wherein the medical referral logic comprises information provided by medical team leaders in local claim service centers regarding (a) current methods of claim evaluation to determine medical referral; and (b) Special Account Communication (SAC) instructions that impact medical referral decisions.

32. The system of claim 22, further adapted for:
when the medical referral is warranted, preventing, by the computer, the reported medical insurance claim and the collected data from being referred to the medical case management system if any of the following, determined by the computer, are true:
the claim is closed in the claim management system;
policy coverage is N (none) or U (unknown);
controverted indicator is Yes;
date of death is populated;
there is already an open medical case management system referral;
the policy is an opted out account;
there is a prior carrier policy or excess carrier file;
the injured worker returned to work full duty;
the injured worker will never return to work; or
the medical program of the host insurance carrier or health care plan provider is bypassed.

33. The system of claim 22, further adapted for:
receiving, by the medical case management system, from a claim handler, the reported medical insurance claim and collected data relating to the reported claim.

34. The system of claim 22, further adapted for:
generating one or more management information reports based on milestones created when certain system activities take place.