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NCCI Affordable Care Act Analysis – Interesting Study

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Venerable NCCI Affordable Care Act Analysis

The  NCCI Affordable Care Act  (ACA) study was taken from their  Workers Comp Update 2016 Fall Edition (page 54 of PDF).  Please note that this is a large file.   If you are working in the Work Comp industry, it may be worth your time to download the publication.    The NCCI (National Council on Compensation Insurance) is headquartered in Boca Raton, Florida.   They provide Workers Comp ratings for approximately 40 states among many varied data services.

Analysis Presentation NCCI Affordable Care Act Of Woman Vector
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WCRI (Workers Comp Research Institute) has published a few articles and studies on the probable/possible case shifting caused by the ACA to Workers Compensation.   In fact, Dr. Richard Victor (Former President) presented the WCRI’s findings at their 2016 Annual Conference in Boston.  Dr. Victor inferred t there was some evidence, while preliminary, that due to the ACA, there was case shifting from health care to Workers Comp.   You may wish to follow the links for further reading.

Leonard Herk, PhD, Economist,  performed a hybrid study of the accessibility to Primary Care in the year before and after the enactment of the ACA.   Dr. Herk examined the differences between urgent care treatment access in the years 2013 and 2014.   Just coming up with a baseline for comparison was very unique.

Conclusion

The conclusion drawn in the study was that the ACA  primary care treatment did not “crowd out” the availability of Workers Comp treatment in the same urgent care centers per each state.    The ACA numbers included Medicaid, expansion in certain states.

Medical Set NCCI Affordable Care Act Icon
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The other side conclusion – 68% of the first 90 days of primary care treatment occurred in the first 10 days of a WC claim.   That would be expected, as WC claims age, the likelihood of referrals to specialists away from primary care would increase heavily within the first month. (my conclusion).

I hope this NCCI Affordable Care Act study will be updated periodically.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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