A physician-authored medical exposure assessment that documents the clinical basis for reserve decisions — what the record supports, what it doesn't, and the medical exposure range the carrier should factor into reserve.
Physician summary of the claimant's medical presentation, treatment course, and current documented status.
Does the documented record support the claimed mechanism and injury? Where is causation strongest and weakest?
Which documented treatments meet the medical necessity threshold and which are exposed to challenge?
Documented basis for projected future treatment — what the record supports vs. what it does not.
Physician-authored exposure range with clinical basis — the documented anchor for reserve committee decisions.
Where the claimant's record has gaps that affect exposure assessment — and how those gaps affect the reserve range.
TPAs and carrier claims operations: physician-authored reserve support for claims directors, reserve committees, and medical directors without implying any third-party affiliation or relationship.
Carriers: Commercial, regional, and excess/surplus carriers — documented exposure assessment for reserve committees.
Self-insured employers: Documented medical basis for reserve decisions on large-exposure claims.
When reserve posture depends not only on future exposure but on whether past specials are necessary, related, and reasonable in amount, add Medical Charge & Necessity Review to produce a charge-level reasonable-value range.