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Wednesday, October 31, 2012

Where do they go? Insurance ID Cards and CCD & CCDA

I've gotten a few questions lately about the CCD and C-CDA Payers Section.  This is an vastly underutilized section in most implementations, but could have great value in Patient to Provider communication, as it could eliminate the most annoying, costly (to get wrong), and possibly error-prone part of the registration process.

You know that part where they ask for your insurance card.

Below are some samples of insurance cards.

There are at least four and sometimes more identifiers on these cards, and they all identify different things.  They are usually printed in fairly small type, with 8pt type being fairly common for the less important identifiers, and 6pt type on the back being fairly common for the list of phone numbers you need to call for different things.  There's often no bar code or magnetic stripe (I guess it's not in the payers best interest for these cards to be usable).

There are identifiers for the policy, which is often labeled "Group Number".  This represents the identifier for the policy covering the healthcare activity.  Then there's an identifier for the policy holder, usually called the subscriber identifier.  But that gets confusing because some plans also call that the policy-holder's member number.

Then there's the member id (or member number).  That identifies the family member being covered, and is usually the subscriber-id followed by a sequence number.  Some plans use -1 for the subscriber, -2 for the spouse, and then children as -3 to -n in birth order.  Others alphabetize by first name (as mine did).  That makes my eldest daughter -2, my wife -3, and my youngest daughter -4.

Following that, there could be one or more plan identifiers.  These are the identifiers for the specific kind of insurance plan that you have.  They represent a particular kind of insurance plan, and from what I can tell, are managed by state insurance regulators.  It's not uncommon to have a separate plan covering your regular care (e.g., ambulatory), and a separate plan for hospitalization.

OK, got that?  Now, what about the payer ID?  There isn't one yet, but I expect after the regulations pass and every payer has an identifier, you'll find that there as well.

Some cards also double as Pharmacy Benefit Management cards.  Those will have two additional numbers on them, called RxBIN and RxGRP, which are routing numbers used to identify how to communicate with the PBM (effectively identifiers for the PBM).

When we built CCD, we started from a coverage model developed by the HL7 Financial Management workgroup.  That model appears below:
Within CCD and C-CDA, there are three templates defined:
The Coverage Activity template represents the list of policies (or programs like CHIP, Medicaid, et cetera) that provides coverage to the patient.  It contains one or more policy or program activities which describe one component of the coverage.  These can be sequenced (really prioritized) by the sequenceNumber field in the act relationship.
The policy activity has an identifier.  This is the "policy number" or "group number" associated with the policy or program covering the patient.

The plan act defines the policy and is where you'd put the plan identifier.

The covered party is the patient.  The identifier associated with them is where you put the member id.

The responsible party is the "policy holder", and is where you would put the subscriber id.

Finally, the Payer is who actually makes the payment, and is where you'd put the PBM routing numbers, or payer ids when those become available.

The HITSP C83 specification goes into great detail on this section of the CCD, explaining where the content goes.  At the end of this post, you can find a full example that has been pieced together from various examples in that document.

The C-CDA follows a similar pattern.  You should be able to cross-walk the templates yourself using the template map in the appendix of C-CDA.

  -- Keith

<act classCode='ACT' moodCode='DEF'>
  <templateId root='2.16.840.1.113883.'/>
  <templateId root=''/>
    <id root=''/>
    <code code='48768-6' displayName='Payment Sources' 
      codeSystem='2.16.840.1.113883.6.1' codeSystemName='LOINC'/>
    <statusCode code='completed'/>
    <!-- Example 1, A health plan -->
    <entryRelationship typeCode='COMP'>
      <sequenceNumber value='1'/>
      <act classCode='ACT' moodCode='EVN'>
        <templateId root='2.16.840.1.113883.'/>
        <templateId root='2.16.840.1.113883.'/>
        <id root='2844AF96-37D5-42a8-9FE3-3995C110B4F8'
        <code code='IP' displayName='Individual Policy' 
        <statusCode code='completed'/>
        <performer typeCode='PRF'>
          <!-- This examples assume an RxBIN of 699999 and an RxPCN of PZZZZ -->
          <assignedEntity classCode='ASSIGNED'>
            <id root='2.16.840.1.113883.' extension='699999'/>
            <id root='2.16.840.1.113883.' extension='PZZZZ'/>
            <telecom value='…'/>
            <representedOrganization classCode='ORG'>
        <!-- Example 2, The patient is a dependent of the subscriber -->
        <participant typeCode='COV'>
            <low value='20070209'/>
          <participantRole classCode='PAT'>
            <id root='…' extension='MEMBERID#'/>
            <code code='DEPEND' displayName='dependent' 
              codeSystem='2.16.840.1.113883.5.111'  codeSystemName='RoleCode'/>
              <sdtc:birthTime value='20070209'/>
        <participant typeCode='HLD'>
          <participantRole classCode='IND'>
            <id root='…' extension='SUBSCRIBERID#'/>
              <sdtc:birthTime value='19600127'/>
        <entryRelationship typeCode='REFR'>
          <act classCode='ACT' moodCode='DEF'>
            <id root='2844AF96-37D5-42a8-9FE3-3995C110B4FA' extension='PlanID'/>
            <code code='HMO' displayName='health maintenance organization policy' 
              codeSystem='2.16.840.1.113883.5.4' codeSystemName='ActCode'/>
            <text>Health Plan Name</text>