3657 Okemos Rd., Suite 100Okemos, MI 48864-3927
Copyright 2016 MDA Insurance & Financial GroupPublished quarterly by MDA Insurance & Financial Group
Get great deals from these
endorsed vendorsThe Professional Protector
Plan (PPP) Symposium is held every other year to allow insurance professionals the opportunity to explore emerging ideas in professional liability and to celebrate leaders in the
insurance industry. Historically, MDA Insurance has received numerous accolades for its stellar performance for new business production for the PPP. This year was no exception. At the event in January, MDA Insurance was recognized as the national leader in PPP new business production for both 2013 and 2014 from a field of 52 candidates representing all 50 states, Puerto Rico and the U.S. Virgin Islands. Additionally, the 2014 Associate of the Year was awarded to our very own Misty Haigh for her passion, knowledge and commitment to customer service. This is the seventh time in 13 years our agency has won top producer honors.
I had the privilege of attending this prestigious event with MDA Insurance & Financial Group President Craig Start; Property and Casualty
Director Jeff Spindler; Commercial Lines Manager Tina Croley; Commercial Lines Representative Jill Anderson; and Commercial Lines Coordinator Misty Haigh. It was an educational and rewarding experience. Its clear our insurance agency is widely respected for its dedication to our members best interests and its knowledge and commitment. Congratulations to the commercial lines staff!
To find out more about what MDA Insurance can do to protect you and your practice, call 800-860-2272 and speak to Misty Haigh (ext. 449) or Tina Croley (ext. 448). They are happy to answer your questions and share details about the PPP.
From the ChairMDA Insurance brings home 3 more national awards
In this issue:
: Know your
Win an iPad at Annu
FREE Medicare sem
Register now for
CNA Risk Managem
course at Annual Se
M D A P R O G R A M S . C O M Q UA L I T Y P R O G R A M S G R O U P S AV I N G S L O W E R D U E S M D A P R O G R A M S . C O M Q UA L I T Y P R O G R A M S G R O U P S AV I N G S L O W E R D U E S
The MDA endorses 16 organizations to assist members with their business and financial needs. Find a complete list at mdaprograms.com. A few are highlighted below:
AppRiver: Email encryption 866-223-4645 or 411.appriver.com/MDA
Bank of America Practice Solutions: Practice and equipment financing 800-497-6076
Bank of America Credit Cards: Personal and business credit cards 800-434-8313
BASIC: Section 125 plans and payroll processing 800-444-1922
HIPAA-compliance: Know your potential vulnerabilities
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) set forth strict measures to protect the personal and health information (PHI) of patients. There are many practices that have not yet implemented even the basics of HIPAA compliance. HIPAA regulations include civil penalties for willful neglect that can reach up to $250,000 with repeat violations drawing fines up to $1.5 million. Criminal penalties, including jail time, are also possible. Historically, there have been few consequences for complacency, and enforcement was virtually nonexistent. Those days are gone. Enforcement is up and hefty fines are now getting peoples attention.
During the 20 years since HIPAA was introduced, new standards have been implemented, including the introduction of the Health Information Technology for Economic and Clinical Health (HITECH) Act, which widened the scope of HIPAA security and privacy protections. It increases legal liability for noncompliance and provides significantly more enforcement. Some believe compliance ends with distributing HIPAA privacy notices and having patients complete their HIPAA release privacy forms. Perhaps efforts even include annual HIPAA staff training. These are all good initial steps to ensuring that PHI is safeguarded. But the most critical HIPAA-related measures your practice should have in place are listed at the left.
For maximum protection and peace of mind, consider purchasing cyber liability insurance, often referred to as data breach insurance. It provides coverage for your dental practice in the event that private, confidential data you possess or
maintain is breached. For as little as $450 per year, you can protect yourself and your practice from the threat of a cyber attack or data breach. MDA
Insurance offers the Beazley Breach Response (BBR) Select cyber liability and data breach insurance. All policyholders are immediately enrolled in the Data Security Risk Management program, which provides unlimited access to online compliance materials, newsletters and instant alerts,
expert support and much more. Access the fast and convenient BBR Select Application at mdaprograms.com. You can also contact Melanie
Adler at MDA Insurance for more information at 800-860-2272, ext. 464.
A major but often overlooked area of data vulnerability happens during routine provider-to-provider communication. For example, you may need to consult with a colleague on a patients dental condition, which may require
you to email the patients X-ray, medical history or other pertinent e-PHI. Email, while efficient and cost-effective, is wide-open for the world to
see. Consequently, the Security Rule mandates that providers must implement appropriate policies and technical and physical safeguards for information systems that maintain e-PHI, including email. What measures can you take to ensure your email is adequately encrypted and PHI
is protected? The MDA endorses AppRiver as a preferred provider of encrypted email, including email archiving. AppRiver offers tools that are easy, effective and affordable for practices of all sizes. Learn what AppRiver can do for you at booth 415 at Annual Session. For special MDA member pricing, visit 411.appriver.com/MDA or call 866-223-4645 and speak with AppRiver directly. 1 hhs.gov/hipaa: Health Information Privacy.
The most critical HIPAA-related measures your practice should
have in place
4 HIPAA Policy Manual: Create and maintain your own HIPAA policy manual outlining privacy and security policies and procedures. There are models available to use as reference on ADAs website at ebusiness.ada.org.
4 Active training plan: You are responsible for training your staff regarding HIPAA privacy and security policies and procedures. Document your training.
4 Business Associate Agreements: Your business associates (BA) must be HIPAA compliant. This includes companies such as claims processors or administrators, data analysis, billing and benefit management, and your information technology (IT) service company.
4 Privacy officer: Assign someone in your practice as a privacy officer to enforce your HIPAA privacy policies and survey the office daily for any potential PHI breaches.
4 Security officer: In charge of monitoring technology and protecting e-data, including use of email encryption.
Did you know that access to MDA member discounts on home and auto insurance extends to your family and employees as well? You can offer them a great employee benefit without any cost to you. And you can get them a free lunch in the bargain!
You and your staff will get lunch and learn about common mistakes made when purchasing auto and homeowners
insurance. Well give anyone who gets a quote for home or auto insurance a $10 gift card for food or coffee, just for requesting a quote. No purchase is necessary. Well also thank anyone who sets up the lunch n learn with a $20 gift card for their efforts.
To schedule your free Lunch n Learn call MDA Insurance at 800-860-2272 or visit mdaprograms.com.
Sign up now for a FREE Lunch n Learnsave on your home and auto insurance!
By Dale Nester, Chair, MDA Insurance and MDA Services
From left: Misty Haigh, Jill Anderson, Jeff Spindler, Tina Croley.