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The core of Paradigm’s ability to deliver certainty is an accountable risk transfer model that provides competitive, fixed pricing for early and accurate medical reserving and clear functional and clinical outcomes—guaranteed.

“Because these are cases that have a long tail and are highly volatile, stakeholders need to accurately predict lifetime claim cost and length,” says Kathy Galia, Paradigm Chief Clinical Solutions Officer. “Paradigm’s clinical and data expertise translates to pricing confidence and long-term savings, including 32% lower lifetime medical costs.”¹

^{Paradigm Outcome Plans offer the flexibility to meet the unique needs of any client and solve the widest range of problems with certainty. HERO CatastrophicSM and HERO SevereSM plans are fixed-cost, medical risk transfer contracts that deliver a guaranteed outcome based on injury diagnosis and expert-driven data-guided assessment. Complex Large Loss Plans are time-based risk transfer contracts for complex older claims.}

The average catastrophic case involves more than 60 medical providers and 100 appointments in the first year alone. Half of these injuries will require specialized home care, and 30% will need some form of long-term care.²

“Nurse generalists and non-specialized physician consultants are not enough for catastrophic cases,” says Michael Choo, MD, Paradigm Chief Medical Officer. “The clinicians at Paradigm are specialized medical and behavioral experts who are truly committed to our approach and foster relationships with the top practitioners and research organizations in their respective fields.”

Paradigm physicians, nurses, and behavioral health specialists undergo an unmatched level of catastrophic injury-specific training and mandatory continuing education. Working directly within the Paradigm Management Team assigned to each case, these clinicians match injured workers to a carefully curated network of the best possible providers for each diagnosis. Along with direct medical expertise, care decisions are informed by the knowledge and results derived from a data set containing more than 20,000 catastrophic cases.

Paradigm pioneered the whole-person, whole-family approach in workers’ compensation. From the beginning, we have been advocates and catalysts for the growing understanding of the importance of behavioral care to injury treatment outcomes.

“Paradigm believes medical expertise and behavioral health expertise working together cohesively are vital to the recovery process for seriously injured workers,” says Deborah M. Benson, PhD, ABPP, Vice President of Clinical Solutions for Paradigm. For nearly 15 years, Dr. Benson has led the integration of Paradigm’s behavioral expertise into an established and consistent medical team.

Paradigm Management Teams feature integrated behavioral health professionals assigned to provide support, coping strategies, and resource facilitation to all injured workers and families. This includes proactive, day-one assessments and personalized care plans designed to promote positive psychosocial adjustment of the injured worker and family to address potential barriers to recovery.

Paradigm’s clinical roster of behavioral expertise includes board-certified psychiatrists and neuropsychiatrists, psychologists and neuropsychologists, rehabilitation counselors and applied behavior analysts. This comprehensive approach sets the standard in the industry and potentially the broader health care space.

As Paradigm Medical Director David B. Arciniegas, MD, Immediate Past Chair of the International Brain Injury Association and current President of the American Neuropsychiatric Association, puts it, “The emphasis we place on outcomes, the development of evidence-based treatment plans, and the collaboration with interdisciplinary treatment teams—including behavioral health networks—is one that can and should serve as a model for general health care."