Attending physician statement: Difference between revisions
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| ⚫ | An '''attending physician statement''' ('''APS''') is a report by a [[physician]], [[hospital]], or [[medical facility]] that has treated, or is currently [[medical treatment|treating]], a person seeking [[insurance]].<ref>{{Cite web |date=2024-04-25 |title=Understanding the Attending Physician Statement (APS) and Its Impact on Record Retrieval {{!}} Record Retrieval Solutions |url=https://www.recordrs.com/blog/understanding-the-attending-physician-statement-and-its-impact-on-record-retrieval/ |access-date=2024-11-29 |website=www.recordrs.com |language=en-US}}</ref> In traditional [[underwriting]], an APS is one of the most frequently ordered additional sources of medical background information. The APS is one of the more expensive underwriting requirements, as well as the most time consuming. It is usually completed only when a doctor has free time, as their primary focus is caring for patients. The [[underwriting cycle]] time is often severely hampered by the APS, as it could take weeks or even months to obtain. Once obtained, it can be laborious to review and summarize, as APS reports can be large documents containing an in-depth [[medical history]] information that may or may not be relevant. |
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{{Cleanup|date=July 2007}} |
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==Overview== |
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==Summarizing an attending physician statement.== |
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In structured underwriting the data capture process with the proposed insured is asked very detailed questions to attempt to reduce the number of attending physician's statements necessary. |
In structured underwriting, the data capture process with the proposed insured is asked very detailed questions to attempt to reduce the number of [[attending physician]]'s statements necessary. However, many [[medical condition]]s require supporting evidence from the physician. This is where an APS Summary can assist the underwriter in evaluating the proposed insured's medical risk(s). The APS summaries, however, are only as good as the underwriter's experience, which varies widely from person to person. Additionally, APS summaries, when processed without a “template structure” guiding the information gathered from the APS, often yield inconsistent or miss critical underwriting information. Either inconsistent or missing underwriting information will compromise the [[risk analysis]] process. |
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By leveraging a seasoned underwriter's knowledge and experiences, scripts can be built that ensure the appropriate medical information is captured and recorded from the APS document. This is done creating scripts that prompt the person summarizing the APS to enter all pertinent specific medical condition uncovered. Many benefits can be realized from this summary process, but the most powerful benefit is that a previous paper document has now been transformed into structured information! |
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By leveraging a seasoned underwriter's knowledge and experiences, scripts can be built that ensure the appropriate medical information is captured and recorded from the APS document.<ref>{{Cite web |date=2023-06-16 |title=Why Do Life Insurers Need an Attending Physician Statement? |url=https://www.policygenius.com/life-insurance/why-does-a-life-insurer-need-an-attending-physician-statement-aps/#:~:text=A%20standard%20attending%20physician%20statement,what%20treatments%20you've%20tried. |access-date=2024-11-29 |website=Policygenius |language=English}}</ref> This is done by creating scripts that prompt the person summarizing the APS to enter all pertinent specific medical condition uncovered. |
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Historically, APS summaries have been performed almost exclusively by underwriters. Leveraging a “rules based” scripting and underwriting system it may now be possible to use a lesser skill set to perform this function. We believe this works best with a medically trained person such as: Medical professional, Nurses, Underwriters, Junior underwriters, physician assistants, medical students, etc. |
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==References== |
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As you would expect with any non-underwriting skill-set appropriate training is needed to address summarizing APS information to the “right level” of detail. |
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{{Reflist}} |
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{{Uncategorized|date=July 2007}} |
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[[Category:Statements]] |
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Latest revision as of 17:58, 29 November 2024
An attending physician statement (APS) is a report by a physician, hospital, or medical facility that has treated, or is currently treating, a person seeking insurance.[1] In traditional underwriting, an APS is one of the most frequently ordered additional sources of medical background information. The APS is one of the more expensive underwriting requirements, as well as the most time consuming. It is usually completed only when a doctor has free time, as their primary focus is caring for patients. The underwriting cycle time is often severely hampered by the APS, as it could take weeks or even months to obtain. Once obtained, it can be laborious to review and summarize, as APS reports can be large documents containing an in-depth medical history information that may or may not be relevant.
Overview
[edit]In structured underwriting, the data capture process with the proposed insured is asked very detailed questions to attempt to reduce the number of attending physician's statements necessary. However, many medical conditions require supporting evidence from the physician. This is where an APS Summary can assist the underwriter in evaluating the proposed insured's medical risk(s). The APS summaries, however, are only as good as the underwriter's experience, which varies widely from person to person. Additionally, APS summaries, when processed without a “template structure” guiding the information gathered from the APS, often yield inconsistent or miss critical underwriting information. Either inconsistent or missing underwriting information will compromise the risk analysis process.
By leveraging a seasoned underwriter's knowledge and experiences, scripts can be built that ensure the appropriate medical information is captured and recorded from the APS document.[2] This is done by creating scripts that prompt the person summarizing the APS to enter all pertinent specific medical condition uncovered.
References
[edit]- ^ "Understanding the Attending Physician Statement (APS) and Its Impact on Record Retrieval | Record Retrieval Solutions". www.recordrs.com. 2024-04-25. Retrieved 2024-11-29.
- ^ "Why Do Life Insurers Need an Attending Physician Statement?". Policygenius. 2023-06-16. Retrieved 2024-11-29.