Pete Frey the Insurance Guy

Pete Frey the Insurance Guy Applying myself with zeal to the practice & profession of clearing the path to your company's goals. Hi! I'm Pete Frey, "the Insurance Guy."

I specialize representing you and your company to make tough situations less tough and good situations sustainable. High hazard industries, tough placements, unfortunate claims history, troubled risk management culture, not getting the value or treatment you or your business deserves -- if this is you, then let's connect to make it better. If "your guy" isn't getting it done., sometimes the key to better outcomes is better representation.

04/08/2026

Safe Patient Transfer Techniques for Home Health Aides

You're Invited: Free Webinar on The Art of Failing QuicklyStop fearing failure and start using it as fuel for growth. Le...
02/04/2026

You're Invited: Free Webinar on The Art of Failing Quickly
Stop fearing failure and start using it as fuel for growth. Learn how to turn setbacks into strategic wins in our upcoming webinar.
Let me be direct:
The average person loses months of progress because they're afraid to fail quickly and learn faster. They stay stuck in analysis paralysis when they could be making real progress.
You're about to change that.
WHAT YOU'LL DISCOVER:
In this free webinar, you'll learn practical ways to learn faster, adjust smarter, and move forward with confidence. This isn't theory—it's a PROVEN SYSTEM for intentional progress.
YOUR ONE TASK TODAY:
Register for this free webinar. Don't just add it to your "someday" list where it'll get buried with other good intentions.
REGISTER NOW. Secure your spot. Make your growth real.
REGISTER FOR FREE WEBINAR
WHO THIS IS FOR:
This webinar is designed for people who want to stop spinning their wheels and start making intentional progress by understanding what works, what does not, and how to course-correct quickly.
YOUR PATH TO RESILIENT GROWTH:
Fail Faster STRATEGIC EXPERIMENTATION
Learn to test ideas quickly without wasting resources
Learn Smarter ACCELERATED INSIGHTS
Extract maximum learning from every outcome
Adjust Quicker AGILE ADAPTATION
Pivot with confidence based on real feedback
Grow Stronger RESILIENT PROGRESS
Build momentum through continuous improvement
This isn't about reckless failure. It's about intentional, strategic learning that moves you forward.
Reply to this email and tell me: What's one area where you'd like to fail faster so you can learn quicker?

Always,
Julio Briones
The Briones Primary Care of Central Florida & Home Physicians Group

P.S. — Spaces are limited for this free webinar. Register now to secure your spot and start transforming how you approach setbacks and progress.

I wanted to share a program I think would be genuinely valuable if you’re involved in senior care, homecare, or business...
01/07/2026

I wanted to share a program I think would be genuinely valuable if you’re involved in senior care, homecare, or business development.
From Vendor to Vital Partner is a 4-week, live virtual growth accelerator designed specifically for homecare agencies and senior care professionals who want to stop being seen as “just another vendor” and start being treated as a true referral partner.
This isn’t generic sales training. It’s a practical, outcomes-focused program that helps agencies build stronger referral relationships, improve start-of-care speed, and clearly demonstrate value to hospitals, SNFs, case managers, and community partners.
What participants will walk away with:
• A clear partner-focused value proposition and 30-second pitch
• A referrer value map tied to real-world pain points
• 48-hour and 14-day outcome templates referral partners actually care about
• A complete Partner Toolkit and KPI dashboard
• A 14-day pilot plan they can use immediately
Program details:
• Live virtual sessions: 2 sessions per week for 4 weeks (8 sessions total)
• Sessions are recorded, and all participants receive:
o Full access to session recordings for 30 days after the course ends
o Access to a private Discord Server Group for peer discussion, accountability, and ongoing support
If you or someone on your team is responsible for referrals, partnerships, intake, or growth, this is worth a serious look.

👉 Register here:
https://cme.sh/trucordia1

If you have questions or want to see if it’s a good fit, you can book a quick intro call here:
https://cme.sh/trucordia2

I’m sharing this because it’s practical, structured, and built specifically for our industry — not theory, not fluff.
Hope to see some familiar names in the cohort.

The federal government has proposed more than $1 billion in cuts to home health care—the largest reduction in recent his...
11/13/2025

The federal government has proposed more than $1 billion in cuts to home health care—the largest reduction in recent history. If these cuts move forward, patients and families who depend on care at home will suffer.

Instead of strengthening care, this proposal threatens to dismantle it. Families deserve better. Now is the time to raise our voices. Congress must hear us loud and clear: stop the cuts and protect care at home.

Please take one minute today to urge your Representative to cosponsor H.R. 5142, the Home Health Stabilization Act of 2025. This critical bill would block these harmful cuts and ensure seniors and families can continue to get the care they want—right at home.

Your action makes a difference. Together, we can protect home health care for those who need it most.

Support the Home Health Stabilization Act of 2025

05/22/2025

The 2024-2025 Judicial Hellholes® report shines its brightest spotlight on 10 jurisdictions that have earned reputations as Judicial Hellholes®. Some

OSHA resources for home healthcare
04/18/2025

OSHA resources for home healthcare

Overview Related Safety and Health Topics Pages Healthcare

03/26/2025

The following article is about gaslighting patients and their caregivers.

If you decide to use this material, please include our copyright designation that is shown at the end of the article and send us a copy of any publication in which the material appears.

Please do not hesitate to contact us with comments, questions, or requests for additional information.



Sincerely,



Elizabeth



Elizabeth E. Hogue, Esq.

(877) 871-4062



Gaslighting Patients and Caregivers





According to Nurse Professional Liability Exposure Claim Report: 4th Edition issued by Nurses Service Organization and CNA, for the period from 2016 to 2019 nurses who provided services to patients in their homes; including those providing home health and hospice, and palliative care; were the most vulnerable of all nursing specialties to professional liability claims. This is the first time that nurses in home care topped the list since the reports were first compiled in 2008. Home care nurses accounted for 20.7% of claims, which represents an increase of 12.4% over the previous number reported in 2015.

Adult medical/surgical nurses topped the list in past reports.



These factors may contribute to increases in claims against home care nurses:

· Lack of institutional support for home care nurses that is routinely received by nurses in hospitals and other facilities

· Growing popularity of home care

· Rising acuity of home care patients

· Lack of 24-hour oversight of patients

· Absence of equipment in patients’ homes that is readily available in institutional settings to help identify patients at high risk for negative outcomes



However, the nonprofit organization Emergency Care Research Institute (ECRI) says that eroding trust is a major threat to patient safety in 2025. ECRI ranks “gaslighting,” or dismissing concerns of patients and caregivers, as the top issue. In other words, nurses aren’t listening to patients and their caregivers! There is an old adage that says that if practitioners would just listen to their patients, patients will tell them what is wrong (i.e., the diagnosis). Perhaps, then, the best way to avoid negligence and resulting lawsuits is to listen to patients and caregivers.



Other strategies that nurses can use to protect themselves from malpractice claims include:

· Stay up to date on education and training

· Document assessments of patients in a timely and objective manner

· Go up the chain of command when concerned about the well-being of patients

· Maintain files that demonstrate character; such as letters of recommendation, notes from patients, and performance evaluations



Of course, complete, accurate and contemporaneous documentation may provide the best defense of all!



An increase in malpractice claims against home health and hospice nurses is a significant new industry development. It’s time to move risk management, with a focus on listening to patients and caregivers, higher up the list!





©2025 Elizabeth E. Hogue, Esq. All rights reserved.

No portion of this material may be reproduced in any form without the advance written permission of the author.

03/12/2025

The following article is about the failure of home health agencies and hospices to provide required services.

If you decide to use this material, please include our copyright designation that is shown at the end of the article and send us a copy of any publication in which the material appears.

Please do not hesitate to contact us with comments, questions, or requests for additional information.

Sincerely,

Elizabeth

Elizabeth E. Hogue, Esq.
(877) 871-4062

No-No #1


This is the first in a series of articles about things post-acute providers; including home health agencies, hospices, private duty/home care companies, and HME companies; should not do. The focus will be on no-no’s that providers may not often consider. This article focuses on the use of private duty services by hospice and home health patients, and what hospices and home health agencies cannot do with regard to aide services.

Both home health and hospice services are usually intermittent and provided in patients’ homes. Patients and their families may elect to utilize the services of private duty/home care companies for additional assistance. At the same time, hospice and home health patients may receive aide services from hospices and home health agencies.

According to Medicare Conditions of Participation (CoPs), hospice and home health aides can only provide personal care services, including bathing. Aides provided by private duty/home care companies may also provide personal care. Unlike aides provided by hospices and home health agencies, however, they can provide additional services; such as laundry, food preparation, light housekeeping, shopping, and running errands.

When patients use private duty services, they are often paying for these services out of their own pockets. Even if they have long-term care insurance, patients still bear the financial burden of paying for private duty services. Longterm care insurance often costs thousands of dollars that patients probably paid for themselves. Patients usually pay by the hour for these services.

Patients may, of course, utilize private duty/home care services to perform any of the services described above. It seems, however, that hospices routinely tell patients who have private duty/home care that they will not provide aide services because private duty/home care aides are able to provide personal care for patients.

Here is an example: A hospice admitted a bedridden patient with urinary and f***l incontinence. The patient and caregiver requested aide services from the hospice five days a week to bathe him. He paid for a few hours of private duty/home care services each day. The hospice refused to provide aide services five days a week to bathe him because he had private duty/home care services. No-no!

Hospices must provide aide services consistent with patients’ needs related to their terminal illnesses. In the example above, the patient clearly had a need for aide services five days a week. If patients and their caregivers state that they prefer to use private caregivers for personal care, then hospices must document the refusal of hospice aide services offered, consistent with applicable standards of care. Then hospices are not required to provide aide services.

When hospices deny aide services that are consistent with applicable standards of care and require patients and caregivers to use private duty/home care services, hospices are shifting the cost of aide services onto patients and their families. Patients and their families may have to pay for additional private duty/home care services to meet patients’ needs. The result for hospices is that they do not incur the costs of aide services, thereby increasing their profits at the expense of patients and their families.

If hospice staff members who refuse to provide aide services to patients and require patients and their families to use private duty/home care services instead are compensated in any way based on the financial performance or profitability of the hospices, let’s hope they look good in orange jumpsuits!

If the private duty/home care services are being paid for by any federal or state health care program; such as Medicaid, Medicaid waiver, VA, or TriCare; then both home health agencies and hospices have engaged in fraudulent conduct by shifting costs that they should have incurred onto other federal government programs.

God forbid that the hospice also owns the company from which patients receive private duty/home care services! Then hospices are limiting their costs while profiting from patients and their families.

Now is the time for all home health agencies and hospices especially to audit patients’ records to make certain that all patients have been offered services that they are required to provide. If patients and their families choose to use private duty/home care aides instead, documentation must show that they were offered the services but chose to use private duty/home care aides.

The bottom line is that hospices and home health agencies must always provide services needed by patients. Patients may choose to pay for services that are paid for by the Medicare hospice or home health benefits. Patients cannot be required to pay for services privately that hospices and home health agencies must provide. Unacceptable!

©2025 Elizabeth E. Hogue, Esq. All rights reserved.
No portion of this material may be reproduced in any form without the advance written permission of the author.

This example is a couple years old, but the exposure to and enforcement of wage and hour judgements is very current.
01/22/2025

This example is a couple years old, but the exposure to and enforcement of wage and hour judgements is very current.

The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.

The American Tort Reform Foundation (ATRF) has identified Pennsylvania's courts, particularly the Philadelphia Court of ...
01/16/2025

The American Tort Reform Foundation (ATRF) has identified Pennsylvania's courts, particularly the Philadelphia Court of Common Pleas and the Supreme Court of Pennsylvania, as the nation's leading "Judicial Hellholes" for 2024-2025.
RISK & INSURANCE
This designation indicates a perception of an imbalanced civil justice system that may disadvantage defendants.

Philadelphia's legal environment is characterized by several factors contributing to this reputation:

Nuclear Verdicts: The Philadelphia Court of Common Pleas has been noted for issuing exceptionally large damage awards, sometimes reaching nine figures.
RISK & INSURANCE

Venue Shopping: The Pennsylvania Supreme Court's decisions have facilitated "forum shopping," allowing plaintiffs to choose Philadelphia's courts, perceived as more favorable, even when their cases have limited connection to the venue.
ATRA

Out-of-State Plaintiffs: Philadelphia's courts have been criticized for accepting a high volume of cases from plaintiffs outside Pennsylvania, potentially overburdening the system and affecting local defendants.
JUDICIAL HELLHOLES

Pennsylvania courts top ATRA's list of unfair legal venues, as nuclear verdicts and lawsuit abuse plague multiple jurisdictions.

The great news is life expectancy is up and we are living longer. The takeaway message is the need for long-term care in...
01/02/2025

The great news is life expectancy is up and we are living longer. The takeaway message is the need for long-term care insurance is greater and those who only have term life insurance should strongly consider getting permanent life insurance coverage. A permanent life insurance policy that includes chronic illness or long-term care coverage would be ideal.

Let me know how I can help.

U.S. life expectancy jumped last year, and preliminary data suggests there may be another — much smaller — improvement this year.

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