THIE Summer Newsletter

Dear Friends of THIE,
In the words of Teddy Roosevelt, “The best prize life has to offer is a chance to work hard at work worth doing.”  As we continue to navigate the Covid-19 pandemic and the uncertainty it brings, our healthcare workers never stop their hard work. THIE is proud to support our health care facilities during this time, and always, thank you for your partnership and for trusting THIE as your insurance provider and your friend.
All the best,
Tess Frazier
President/CEO THIE


Hot Topics

The THIE management team has decided that October Hot Topics in Lubbock will be canceled this year. Although we are saddened to not be able to join together with you for education, networking, golf, and more, we feel it is our responsibility to put the health and well-being of our friends first.

We miss seeing your faces!  Know that we are always just a phone call away and that you are in our prayers as you care for your communities.

Continue to stay safe.

All our best,

Tess,  Liz, Ida, Angie, Ari, Dolores, Janet and the THIE Team



THIE’s Risk Management team is excited to announce a partnership with Med-IQ to provide our insured physicians with specialized risk management and patient safety education.

As risk managers, we often encounter our hospitals’ risk management team, CNOs, CEOs, and human resources staff. However, we seldom meet with front-line physicians. Our new partnership with Med-IQ provides a bridge allowing us to provide information and education on relevant topics to mitigate liability.

THIE insured physicians will have access to Med-IQ courses that meet the requirements for state licensure. The on-demand virtual classroom format allows physicians to complete these courses at their convenience and at no additional cost to them or to the hospital.

For more information regarding this FREE EDUCATION, contact Angie Merrell, THIE’s Senior Risk Management Advisor ([email protected]).


Return to Work
By Arianne Stuerzel with references from TDI and the Division of Workers’ Compensation

Raise your stethoscope if you’ve ever had an employee injured on the job!
Plugin your AED Defibrillators (because those should be charged at all times, anyway) if that injury has resulted in a staff member not being able to come to work!

The ripple effect of one person not being present for a shift in a health care facility is felt by all—from staff in action to managers filling their shift to Human Resources who is handling the workers’ compensation claim and the financial obligations that go along with that claim.

To ensure that ripple doesn’t feel like a tidal wave, facilities should have in place plans known as Return to Work Programs. These plans come with huge benefits and are loved by staff, facility administrators, and insurance companies!

The Division of Workers’ Compensation has put together fantastic materials on these programs and has worked with THIE to develop presentations for our subscribers on the benefits of implementing a Return to Work Program (RWP). For more information visit or reach out to THIE at [email protected] For a glimpse into the perks of an RWP, read on.

What it is.

A Return to Work Program is just that—a plan that works to shorten the length of time a staff member is out due to injury on the job.

The Benefits for the Employer:

  • The costs associated with workers’ compensation are reduced. This happens when Temporary Income Benefits cease being paid or are reduced when an injured employee works during their recovery.
  • Medical and disability costs may be lowered and recovery time may be shortened
  • Decreased loss ratios help reduce insurance premiums
  • Retain skilled employees and reduce staff turnover

The Benefits to the Employee:

  • Recovery time may be shortened
  • Loss of physical fitness due to inactivity may be averted
  • Full or partial wages are earned bringing the injured employee’s income closer to pre-injury wages
  • Retain job skills and eliminate concerns about continued employment
  • Maintain employment-related benefits and seniority, therefore, avoiding financial difficulties

Controlling Costs:

  • Reduce costs to the employer:
    Early return to work reduces business costs (e.g. overtime, temporary workers) and workers’ compensation costs (e.g. increased premiums, income benefits, medical benefits). Requiring your injured employees to be 100% recovered before they can return to the workplace can delay recovery and increase costly turnover.
  • Reduce costs (both financial and emotional) to the employee:
    Employees who return to work do not suffer the sometimes dire financial, family, and emotional consequences of unnecessary lost time, and are more able to maintain their normal lifestyle. Employees who are not at work often become inactive and require more medical care than employees who remain in the workplace, even if they are working modified duty.
  • Reduce fraud and malingering
    Employers experience lower cost, reduced lost time, and eliminate possibilities for fraud and malingering by providing opportunities for their injured employees to continue to do productive work while they are recovering.


If you are a subscriber of THIE and would like to implement an RWP or have your current RWP reviewed, contact us today 512/451-5775.

Insurance Coverage You Deserve, From the Insurance Company You Own.








THIE Mask Challenge for Texas and Oklahoma


2020 has been a year! And we are only seven months in!

When COVID first landed in the US there was a joint effort to “lockdown” and take precautions to slow the spread of a virus that we just didn’t and still don’t (fully) understand.

We altered our lives. We followed shelter in place measures. We learned new norms in our days. It has not been easy. BUT. Something happened during that time. We watched as our nation and each nation around us joined in a comradery to battle the unknown; to protect ourselves and others. Lives were lost and many fell ill. It has been debilitating; in how we live and in how it has affected populations. But we as a nation persisted. We acted to do what we could to contain COVID.

In the past month, we as a nation have taken measures to move back to the way things were. While this is a positive for our economy and feels good to be on the move, we must face the harsh reality that our current reality in battling COVID still exists.

We at THIE, insure health care facilities throughout Oklahoma and Texas. We have watched as the number of cases in these states has continued to rise at a staggering rate. We watch our hospitals, our friends, our rural facilities brace for the impact of more patients, and the possibility of low supplies or lack of bed space to accommodate the growing numbers affected.

We have been doing what we can to protect and assist our facilities. There have been road trips where our CEO, Tess Frazier has delivered face masks, hand sanitizer and other critically needed items. Campaigns have been shared recognizing hospital workers and all they do. We’ve provided supplies, encouragement, treats, and smiles to our hospitals; our friends.

It is time to do more. The Texas Hospital Insurance Exchange (THIE) is challenging you, Texas and Oklahoma, to a face mask challenge. Are you in?

Here at THIE, we insure the hospitals that take care of you. Let’s show them our support by doing what we can to slow the spread of COVID—wearing our masks!

Post a photo rocking your mask on Instagram!

Follow @thie_insurance and tag us in your pic!

Be sure to hashtag #texasmaskchallenge or #oklahomamaskchallenge to help raise awareness and to show your health care workers your support!

In slowing the spread of COVID, we not only help our neighbors and ourselves but also help our health care community; our front line heroes. We know you’re up for the challenge!

5 participants a week over the next 5 weeks will be randomly selected to win a $25 gift card for their participation!


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