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How health in­surers keep the over­view in con­tract man­age­ment.
27. April 2021

Contract management at the highest level

Billions in turnover and several million members - the statutory health insurance funds are among the largest organisations in Germany. A significant part of their business processes is based, directly or indirectly, on contracts. Health insurance companies therefore operate contract management at the highest level. Read how otris software supports health insurance companies in dealing with complex contract management processes.

In­ter­faces to ex­tern­al or in­tern­al data­bases, ex­tens­ive con­trac­tu­al re­la­tion­ships and multi-layered billing models – for health in­sur­ance funds, con­tract man­age­ment is not pos­sible without a well thought-out system. The stand­ard func­tions of a con­tract man­age­ment solu­tion map basic pro­cesses. For health in­sur­ance funds, the soft­ware must be adapted and ex­pan­ded. With their ex­pert­ise and ex­tens­ive ex­per­i­ence from pre­vi­ous pro­jects, otris con­sult­ants are ideally placed to support health in­sur­ance com­pan­ies with en­ter­prise-wide digital con­tract man­age­ment.

Example of se­lect­ive con­tracts

Health in­sur­ance com­pan­ies are obliged to provide a legally defined scope of ser­vices. These ser­vices are anchored in col­lect­ive con­tracts that health in­sur­ance funds con­clude with the As­so­ci­ation of Stat­utory Health In­sur­ance Phys­i­cians, for example. Ser­vices that health in­sur­ance funds offer their members in ad­di­tion to this are handled through se­lect­ive con­tracts. The special feature: the health in­sur­ance fund con­cludes se­lect­ive con­tracts dir­ectly with the service pro­viders (e.g. spe­cial­ists, hos­pit­als, medical care centres) and not with the As­so­ci­ation of Stat­utory Health In­sur­ance Phys­i­cians. As a result, health in­sur­ance funds have to manage se­lect­ive con­tracts that contain thou­sands of dif­fer­ent con­tract par­ti­cipants per in­di­vidu­al con­tract. This creates the chal­lenge of as­sign­ing a large number of data records to a con­tract within the system and keeping these dynamic data records up-to-date. In ad­di­tion, se­lect­ive con­tracts contain one or more ICD as­sign­ment(s) to link a disease class (ICD = In­ter­na­tion­al Stat­ist­ic­al Clas­si­fic­a­tion of Dis­eases and Related Health Prob­lems). In summary: Com­pared to usual con­tracts with two con­trac­tu­al part­ners and without dynamic content, the effort in­volved in a se­lect­ive con­tract is con­sid­er­able.

Man­aging data with in­ter­faces

Man­aging the entire stock of se­lect­ive con­tracts of a health in­sur­ance fund is thus only pos­sible via complex data man­age­ment and in­ter­faces to ex­ist­ing data­bases. For the data­base con­nec­tion (e.g. to the Bit­mar­ck ICD data­base), the otris experts rely on proven, self-de­veloped in­ter­faces. Via the con­nec­tions, not only is the se­lec­ted data linked to the con­tract, but it is also com­pared and checked for up-to-date­ness. The system auto­mat­ic­ally syn­chron­ises changes in the con­tract par­ti­cipants (e.g. due to prac­tice dis­con­tinu­ation or service changes). At the same time, it remains pos­sible to change data records manu­ally.

Complex con­tracts, com­plic­ated billing

The complex con­tracts in­ev­it­ably require equally complex billing. otris con­tract also sup­ports health in­sur­ance com­pan­ies in this busi­ness-crit­ic­al cor­por­ate process: in order to check the leg­al­ity of sub­mit­ted bills, the system exports the con­tract data in order to sub­sequently enable auto­mated re­con­cili­ation. After the export, the data is avail­able for a check that com­bines the speed of auto­ma­tion with the special case check of the clerks.

Sim­pli­fy through di­git­al­isa­tion

The complex ad­min­is­trat­ive struc­ture of the se­lect­ive con­tracts shows only a small section of the con­tract man­age­ment of a health in­sur­ance fund. Rehab frame­work con­tracts with their vari­able scopes of be­ne­fits, drug dis­count con­tracts or con­tracts for GP-centred care (HzV) are other areas that require com­pre­hens­ive data man­age­ment. The over­rid­ing in­ten­tion behind every process in the con­tract man­age­ment of a health in­sur­ance company can be sum­mar­ised simply: The insured person should receive the benefit to which he or she is en­titled quickly and with little ad­min­is­trat­ive effort. This only works if health in­sur­ance com­pan­ies enter into direct contact with their poli­cy­hold­ers and advise them ac­cord­ing to their needs. Here too, otris soft­ware provides support with in­di­vidu­al solu­tions.

On request: with geo-in­form­a­tion system

The otris con­sult­ants develop in­ter­faces to systems that health in­sur­ance fund em­ploy­ees use in cus­tom­er con­sult­ing. A proven ex­ten­sion of the con­tract man­age­ment soft­ware otris con­tract links con­tract data with geoin­form­a­tion. In this way, the system de­liv­ers results in re­sponse to queries that health in­sur­ance em­ploy­ees need for tar­geted coun­selling ses­sions. For example: the address of the nearest doctor who provides a certain se­lect­ive service. Or a list of all doctors within a radius of 50 kilo­metres who provide a certain se­lect­ive service.

Reduce com­plex­ity

Health in­sur­ance funds aim to provide their members with in­di­vidu­al­ised care and ser­vices tailored to their needs. At the same time, more in­di­vidu­al­ity means more com­plex­ity in the con­trac­tu­al re­la­tion­ships that form the basis of service re­mu­ner­a­tion. otris soft­ware sup­ports health in­sur­ance com­pan­ies with cus­tom­ised, digital solu­tions that sim­pli­fy com­plex­ity. By struc­tur­ing, in­ter­fa­cing and auto­mat­ing con­tract man­age­ment, health in­surers save re­sources that are used to im­ple­ment the primary task: To provide each member with suf­fi­cient, ap­pro­pri­ate and eco­nom­ic­al care when needed.

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