How did My Medical Malpractice Insurance become the first choice for Kansas Physicians?
Because:
- We’ll get you several Medical Malpractice Insurance quotes from the A-rated Medical Malpractice Insurers in Kansas.
- We’ll ensure that the physician discounts you deserve, such as Risk Management, New to Practice and Claims-free, are provided.
- We’ll keep you from having to purchase tail coverage separately, by ensuring that Prior Acts Coverage is included.
- Our experienced liability specialists will shape your policy to fit your specific needs.
- We’ll provide you access to our free Practice Tools: Online Patient Satisfaction Survey System, on-staff Certified Professional Healthcare Risk Manager (CPHRM) and many other tools to help your practice succeed and thrive.
- MyMedicalMalpracticeInsurance.com has teamed up with the Medical Liability Monitor (the nation's leading independent source of Medical Liability Insurance news as well as the political, legal and risk management issues that affect the healthcare industry) to publish historic rate data for every city in the Sunflower State. This will provide you with valuable insights into Kansas' data trends when making your decision on your medical malpractice carrier and coverage. That’s just one of the reasons that MyMedicalMalpracticeInsurance.com is the preferred online site for Kansas physicians and healthcare professionals that are looking for ways to lower their medical malpractice insurance rates and find the best coverage.
- Click and request your free Kansas Medical Malpractice Insurance quote now.
Medical Malpractice Insurance in Kansas
Medical professional liability insurance premiums in Kansas are relatively moderate. Tort reform supporters attribute the affordability of medical malpractice insurance coverage to the Kansas Legislature’s passage of the Health Care Provider Insurance Availability Act in 1976 and the subsequent upgrades it made to the initial legislation in 1986.
The Kansas Legislature first addressed its medical liability issues with the Health Care Provider Insurance Availability (HCPIA) Act. Prior to its passage, the state’s medical community—like most across the country—faced serious challenges in the availability and affordability of medical malpractice insurance; the escalating cost of medical professional liability insurance was placing an almost-impossible economic burden on physicians and seriously threatened access to healthcare for all Kansans.
Among other things, the HCPIA Act required that all hospitals and healthcare workers purchase claims-made professional liability insurance and participate in the funding of the newly created Health Care Stabilization Fund (HCSF) by paying a surcharge on their medical liability insurance. The requirement to purchase claims-made coverage was accompanied by a requirement to purchase tail coverage from the HCSF upon retirement or moving one’s practice to another state. The intent was to ensure the state’s healthcare providers are insured for any claims made during the term of their insurance policy, regardless of when the incident occurred, as well as for any claims that may arise after his or her insurance policy is discontinued.
The HCSF is a patient compensation fund. Kansas is one of eight states with a liability funding mechanism run by the state government to provide medical malpractice coverage in excess of the primary insurance requirements of its healthcare providers. Kansas requires each healthcare provider to carry $200,000 in primary coverage and $600,000 in aggregate coverage; the HCSF will cover any judgment or settlement in excess of those limits.
In 1986, the Kansas Legislature amended the original HCPIA Act by imposing a $1 million cap on the amount of economic damages that could be recovered from the HCSF. The $1 million cap includes a $250,000 cap on non-economic damages, existing economic losses and the cost of an annuity for future economic losses. (In 1988, the Kansas Supreme Court ruled that the limit on recoverable economic damages, not non-economic, was unconstitutional.) The 1986 amendments also removed the statutory limit on the HCSF’s balance and prescribed that premium surcharges should be based on estimated future liabilities in order to make certain the fund is actuarially sound. Within a few years after amending the HCSF, the filing of new medical liability cases began to level off, and the HCFS’ assets increased. By 1992 the HCSF was considered actuarially sound, and premium surcharges were reduced accordingly.
While the HCPIA Act, and its cap on recoverable damages, has been long considered an effective correction by most tort reform proponents, it does not mean it is legal under the Kansas Constitution. The Kansas Supreme Court is currently deliberating the constitutionality of the HCPIA Act’s cap in the case of Miller v. Johnson.
In the case of Miller v. Johnson, a jury found Amy Miller’s surgeon guilty of medical malpractice, awarding her $760,000 in damages—$360,000 for past and future medical expenses and $400,000 for past and future non-economic losses. The presiding judge reduced the non-economic damages portion of the award to $250,000, as mandated by the HCPIA Act. Miller’s attorney appealed the reduction of the non-economic damages award to the Kansas Court of Appeals in January 2008. The cap, he argued, was unconstitutional because it interfered with Miller’s right to a jury trial.
The Kansas healthcare community is cautiously awaiting the Supreme Court’s decision in Miller v. Johnson. In recent years, Illinois and Georgia had their non-economic caps declared unconstitutional by the court system, and Kansas Medical Society executive director Jerry Slaughter has said that physicians could expect their medical malpractice insurance premiums to double if the court rules against the Kansas cap.
For the most part, the Kansas Health Care Provider Insurance Availability Act accomplished legislative intent, providing stability by assuring healthcare professionals have access to affordable medical liability insurance. If the Kansas Supreme Court finds its provision capping non-economic damages unconstitutional, the healthcare community could see this progress fade. This uncertainty is one of many reasons it is important to work with an experienced medical professional liability insurance broker with access to all the major insurers. Only a seasoned broker can shop your coverage to make certain you are getting the best coverage at the best price.
All Medical Liability Monitor rate data is protected under United States Copyright Law. The rate data may not be reproduced in whole or part without permission. Contact the editor at Medical Liability Monitor for more information.
KANSAS
Physician Medical Malpractice Insurance Rates
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
| 2000 |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $4,551 0% |
$18,559 0% |
$28,767 0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $3,522 0% |
$14,090 0% |
$21,839 0% |
| 2001 |  |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $5,234 + 15.0% |
$21,343 + 15.0% |
$33,082 + 14.9% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $3,522 0% |
$14,090 0% |
$21,839 0% |
| 2002 | |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $6,082 + $1,199 fund charge + 16.2% |
$24,801 + $4,662 fund charge + 16.2% |
$38,441 + $7,207 fund charge + 16.2% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $3,522 0% |
$14,090 0% |
$21,839 0% |
| 2003 | |
Insurance companies provide the first $200,000/600,000 limits. The KS Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $6,599 + $1,199 surcharge = $7,798 + 8.5% |
$26,909 + $4,662 surcharge = $31,571 + 8.5% |
$41,709 + $7,207 surcharge = $48,916 + 8.5% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $2,924 + $1,199 surcharge = $4,123 0% |
$12,580 + $4,662 surcharge = $17,242 0% |
$29,148 + $7,207 surcharge = $36,355 0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $4,253 + $1,199 surcharge = $5,452 - 14.0% |
$24,952 + $4,662 surcharge = $29,614 + 14.0% |
$31,191 + $7,207 surcharge = $38,398 + 2.4% |
| 2004 | |
Insurance companies provide the first $200,000/600,000 limits. The KS Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $7,061 + $1,199 surcharge = $8,260 + 5.9% |
$28,792 + $4,662 surcharge = $33,454 + 6.0% |
$44,628 + $7,207 surcharge = $51,835 + 6.0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $5,194 + $1,199 surcharge = $6,393 0% |
$20,776 + $4,662 surcharge = $25,438 0% |
$32,203 + $7,207 surcharge = $39,410 0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $8,147 + $1,199 surcharge = $9,346 + 126.7% |
$26,491 + $4,662 surcharge = $31,153 + 80.7% |
$37,497 + $7,207 surcharge = $44,704 + 23.0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $9,077 + $1,199 surcharge = $10,276 + 16.0% |
$29,586 + $4,662 surcharge = $34,248 + 15.6% |
$36,982 + $7,207 surcharge = $44,189 + 15.1% |
| 2005 | |
Insurance companies provide the first $200,000/600,000 limits. The KS Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $7,407 + $1,499 surcharge = $8,906 + 7.8% |
$30,203 + $5,828 surcharge = $36,031 + 7.7% |
$46,815 + $8,793 surcharge = $55,608 + 7.3% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $6,493 + $1,499 surcharge = $7,992 + 3.9% |
$25,970 + $5,828 surcharge = $31,798 + 3.8% |
$40,254 + $8,793 surcharge = $49,047 + 3.3% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $8,147 + $1,499 surcharge = $9,646 + 3.2% |
$26,491 + $5,828 surcharge = $32,319 + 3.7% |
$37,497 + $8,793 surcharge = $46,290 + 3.5% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $9,613 + $1,499 surcharge = $11,112 + 8.1% |
$31,332 + $5,828 surcharge = $37,160 + 8.5% |
$39,166 + $8,793 surcharge = $47,959 + 8.5% |
| 2006 | |
Insurance companies provide the first $200,000/600,000 limits. The KS Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $7,677 + $1,724 surcharge = $9,401 + 5.6% |
$30,708 + $6,702 surcharge = $37,410 + 3.8% |
$44,134 + $9,672 surcharge = $53,806 - 3.2% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $9,610 + $1,724 surcharge = $11,334 + 17.5% |
$31,695 + $6,702 surcharge = $38,397 + 18.8% |
$44,946 + $9,672 surcharge = $54,618 + 18.0% |
| 2007 | |
Insurance companies provide the first $200,000/600,000 limits. The Kansas Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $7,677 + $1,724 surcharge = $9,401 0% |
$30,708 + $6,702 surcharge = $37,410 0% |
$44,143 + $9,672 surcharge = $53,815 0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $9,610 + $1,724 surcharge = $11,334 0% |
$31,695 + $6,702 surcharge = $38,397 0% |
$44,946 + $9,672 surcharge = $54,618 0% |
| 2008 | |
Insurance companies provide the first $200,000/600,000 limits. The Kansas Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $7,378 + $1,724 surcharge = $9,102 - 3.0% |
$29,510 + $6,702 surcharge = $36,212 - 3.0% |
$42,421 + $9,672 surcharge = $52,093 - 3.0% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $8,366 + $1,827 surcharge = $10,193 - 10.0% |
$27,350 + $7,104 surcharge = $34,454 - 10.0% |
$38,740 + $10,252 surcharge = $48,992 - 10.0% |
| 2009 | |
Insurance companies provide the first $200,000/600,000 limits. The Kansas Stabilization Fund provide the $800,000/$2.4 million limits at the amounts indicated. The surcharge is 25 percent of the primary premium.
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $6,640 + $1,827 surcharge = $8,467 - 7% |
$26,559 + $7,104 surcharge = $33,663 - 8% |
$38,179 + $10,252 surcharge = $48,431 - 8% |
| INTERNAL MEDICINE (% change since last survey) |
GENERAL SURGERY (% change since last survey) |
OB/GYN (% change since last survey) |
|---|---|---|
| $8,366 + $1,827 surcharge = $10,193 0% |
$27,350 + $7,104 surcharge = $34,454 0% |
$38,740 + $10,252 surcharge = $48,992 0% |
To find the most current medical malpractice insurance rates in Kansas, contact Mike Matray at the Medical Liability Monitor. MyMedicalMalpracticeInsurance.com has negotiated an excellent rate for all of our users, mention our site, and you can receive the Medical Liability Monitor at a low promotional price.
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