6. The “advocacy” claims model will gain a lot more traction, as more employers, insurers, and TPAs embrace treating “claimants” as actual real people with medical and disability problems.
The problem is – how do we track this? That's my challenge, but I hope you will let me know of payers embracing the model!
7. “Opt-Out” will not gain traction.
Allowing employers to “opt out” of workers compensation is a solution in search of a problem – overall work comp is working pretty well, costs are under control, employers don't see it as an issue, most patients recover and get back to work.
Most importantly, there is no significant political constituency that cares enough about it to make it happen.
Promoted by ARAWC and a few stakeholders invested in managing opt-out business, this isn't going anywhere. Change does not happen unless there is a problem that needs fixing, and work comp's problems are tiny in comparison to other issues confronting state legislatures…taxes, school funding, gerrymandering, Medicaid expansion, rural hospital funding, industrial and economic development, natural disaster preparation and recovery…
(Good friend and IAIABC Executive Director Jennifer Wolf Horesjh has a slightly different perspective…you can listen to Jennifer's podcast here.) . She notes the advocates are working diligently to promote Opt-Out/Non-subscription.
8. Service companies that deliver best-in-class customer service – and build that into their branding messaging – will win.