Welcome to Work Comp Billing

The Workers Compensation Industry in the United States is a $60 Billion per year industry that operates much more like a taxation without representation system on smaller employers and something far worse for society with the larger ones who self insure. It's seemingly run by Crews of Rouge Pirates and Clans of Commercial Gypsies with ZERO logical oversight by 300 Million plus ...

Few realize that behind every Banker is an Insurance Man or two who keeps all the beastly bets in balance. Is it possible that these insurance folks accounted for the millions of undeserving bellies that got fat off the energy of others in a corrupt manner with a nearly perfect legal defense? Aye Aye, u betcha!!!

This homepage is designed to expose the engineered processes setup by Mitchell International to avoid appropriate payments for services rendered to worker's compensation patients. It also exposes the nature in which smaller front company feeders are set up as Adjusting Companies to make Mitchell nearly untouchable via traditional legal means. Preferred Employers is the Adjusting Company in this real world example (expand for more)...

Mitchel International ( https://www.mitchell.com/ ) is one of the largest Work Comp Insurance claims handling companies in the country with one of the worst reputations across the country for manipulated payment processing. Based in San Diego CA, they share a top negative spotlight with the likes of Gallagher Basset out of Southern California and One Call out of King of Prussia Pennsylvania.

In this example, the feeding company for Mitchell is Preferred Employers out of Southern California (too!).

(Hint: Wasn't Countrywide based in Southern CA too? Where did all those unpunished employees go? And as for King of Prussia outside of Philly - the 1792 First Bank of America Families and Friends always come to mind as they so LOVED money manipulation)

Please note, this is the same Mitchell International who has also gotten involved in the Prescription Medicine market recently too!!

In any Medical Insurance Related Process there are three key players (aka three P's) when there should always be 4. The Insurance Policy Payer is left out of every reasonable conversation intentionally because no one wants to realize the level to which it's that Payer who is actually culpable for fraud. If any such insurance system is ever re-established in the future, contractual performance obligations should be transferable to all parties in any transaction as would be logical in Courts of Equity. A simple concept overlooked and buried simultaneously. (expand for more)...

In any Medical Insurance Related Process there is:

1) A Patient

2) A Payer (as in payer for services rendered to the patient, not as in the payer for insurance policy, either monetarily or energetically)

3) A Provider (aka Medical Service Provider)

The one that is always totally omitted when discussing fair and appropriate insurance systems in the US (and maybe elsewhere) is the POLICY PAYERS

In a work comp process the Policy Payer (the Employer) becomes extremely important because:

1) They are the "payer" for the insurance policy, with the expectation of getting their money's worth when time comes for coverage and they are the culpable one in the event of failur to pay situations OR

2) They are the company who is large enough to self ensure, in which case they are the devil in disguise when an employee gets injured on the job...

!! Important !! -- For any providers stiffed by Work Comp Insurance Companies and/or Adjusting Companies, most of which are constantly seeking to avoid payments for themselves or employers who self-insure, the Employer becomes relevant because the Service Provider has NO STANDING IN COURT to sue manipulative Payers or Adjusters who play shell games with bills 24/7 because the Service Providers they engage with have no contractual standing in court with anyone other than the Policy Purchasers. (expand for more)...

Translation -- A Payer or an Adjusting Company feeding a Payer can lose, disregard and manipulate Providers bills anyway they'd like, and in the US Legal System, there is nothing wrong with that because there is no contractual agreement for the Payer or others in the process to treat a Provider an appropriate manner. given there is no contractual obligations to do so.

Maritime Law is basically Pirates Law. Courts of Equity existed as a balance for these, but they have been wiped out in the United States.

The establishment of the intermediaries like Preferred Employers creates the perfect legal moat around the larger fish like Mitchell in this oh so whonky US Legal System. The only people who could sue Mitchell is Preferred Employers?!

Welcome to the US Insurance System -- all by very clever legal design!!

Below is a letter from me as the Business Manager of Ric Valentine Acupuncture to a small Carmel California company who sent one of their injured employees through a Workman's Compensation Claim process.

The Primary Care Physcian seeing the Employee prescribed Acuncture. We provided the services and we were due around $800. We sent our first bill in on 10/29/2019. It's now 2/16/2020 and we've yet to be paid, but it's far worse than that.

Below is a 2 page cover letter sent to the Employer asking for payment for bills their insurance company has refused to accept and processs in a reasonable manner. Following the 2 pages are 3.5 pages of detailed notes related to efforts spent over a 3.5 month period to try to collect.

As you will see, what should have been a total of 6 lines of notes related to bill collection is now 3.5 pages long -- and not only have we yet to get payed, there is no viable and trackable communication path to bill submission and payment!! Welcome to Work Comp Billing, empathically.

If you'd like to read this letter in a Google Doc and/or print this, click here

That's one GIGANTIC pile of shit isn't it...

And every w2 employee in the country is paying for this fraud with their own life energy one way or another...

And it gets better -- do an internet search for "Preferred Employers"... and find this...

They describe themselves as an "the only insurance company-managed medical provider network in California". Thank God for those Insurance Companies, I just can't fathom how we'd survive without them, but if this is an example of what living with them is like, we might want to start considering the opposite really quick.

For what it's worth, with Medicare-For-All, every dime that is being paid into Workers Compensation could be funnelled back into the US Medicare System -- so there's $60 Billion annually for a start...

They describe themselves as an "the only insurance company-managed medical provider network in California".

Thank God for those Insurance Companies. I just can't fathom how we'd survive without them, but if this is an example of what living with them is like, we might want to start considering the opposite really quick.

For what it's worth, with Medicare-For-All, every dime that is being paid into Workers Compensation could be funneled back into the US Medicare System -- so there's $60 Billion annually for a start...

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