Liability and Third-party Medical Expense
Experts in the insurance claims industry understand that medical costs represent a major  component in determining the settlement value of a claim.  The settlement Negotiation process can now be effectively augmented by attacking the medical bills included in the specials package of any claim.

Covenant Inc has saved our clients millions of dollars with our exclusive Liability Medical Bill Review Program.  You can achieve significant savings by using this breakthrough approach.  Use it for your entire portfolio!  Any medical billing can be evaluated, regardless of the amount!

How it works
Claims Examiners, Attorneys and Adjusters negotiate many elements of a claim to resolution in order to reach a final settlement number.  Third-party medical expenses associated with personal injury claims often represent a significant portion of what might be paid out in the form of economic damages.  Our process combines a technological analysis of the medical billings with a “blended” review of the reasonableness of those fees.  Covenant maintains a variety of databases that provide a benchmark to evaluate the medical specials for fairness.  We maintain a licensed staff of medical experts equipped with our proprietary software to re-price the medicals at a fair market rate for the services rendered.

Using five data reference points, we statistically arrive at a proper recommendation amount.

Our experience with mediations on a national basis is utilized in the development of argumentation on your medical billings.  We factor in the risks associated with litigation, trial, and settlement by a co-defendant, workers compensation fee schedules, structured settlement or future legal fees into our valuable analysis.  We understand claims!

What You Get
Our analysis is delivered in the form of a clear, credible, report explaining how we attacked the medical charges at the CPT* level, using our proprietary database, reasonable and customary historical data and evaluating the appropriateness of treatment for the diagnosis rendered.  The level of sophistication included in our medical bill review provides a tactical advantage to your claims examiners, Attorneys or negotiators.  The Covenant recommendation is abundantly fair and in no way prevents the provider of medical services from receiving adequate compensation for their work.  The line-by-line analysis and cost to charge ratios equip you with a tool that is difficult to refute.  The legitimacy of our recommendations is ultimately accepted in the negotiation.   The result…. Significant leverage for reducing the overall claim cost! 

*CPT is a 5 digit code that describes services and procedures performed by health care providers. 

Negotiations…..we can do it all
One more valuable service for you.  Covenant will do the “heavy lifting”.  We will provide the pick and shovel on the hard dirt known as negotiations.  Use our optional negotiation services to negotiate directly with medical providers, opposing counsel or lien holders (collection agencies)