My Medical Malpractice Insurance

February 7, 2012

Medical Liability and Adverse Medical Events

Filed under: Liability — Katie @ 10:00 am

Stressed PhysicianThe Clinical Advisor had an interesting article recently all about medical liability and adverse medical events. There is no doubt about it that there is often an unspoken rule in the medical culture that silence is the best way to handle a medical error or adverse medical event. But is it?

Frequently nothing is said because often physicians believe that if the adverse medical event is disclosed, it might be considered as an admission of guilt, and then lead to a medical liability lawsuit. They view it as opening themselves up to medical liability exposure. But, if you look at it from the patient’s point of view, the silence “…seems like proof of guilt.” And, often the silent treatment leaves patients feeling abandoned at an already difficult and stressful time. It just seems to breed more problems.

But, this is a complicated issue with no easy answers. We understand that physicians are working in an era of defensive, “cover your butt” medicine in a rabidly litigious society where many people feel that “someone has to pay” (literally) for every error. And, we understand that physicians not only have to answer to themselves and their patients, they also have to answer to their employers and their medical liability insurance companies.

So, we suggest that you ask your agent how your medical liability insurance company wants you to handle errors or adverse medical events. And, we also suggest that you ask your institution how they want you to handle them as well. You might be surprised. We are noticing a slowly growing trend towards the use of apology –from states passing “I’m Sorry” laws to institutions adopting aggressive error disclosure and apology practices. We can’t say what the best practice is for you, but encourage you to find out what those around you recommend and why.

February 6, 2012

New CEO at WVPMIC Credits Stable Medical Malpractice Environment to Tort Reform

The largest medical malpractice insurance provider in West Virginia, the West Virginia Mutual Physicians Insurance Company (WVPMIC), announced a change in leadership. And the new president and chief executive officer, R. Austin Wallace, MD, heaped large amounts of praise on the medical liability insurance company he now runs as well as the state legislature that passed a series of tort-reform laws that created the WVPMIC and the stable liability climate West Virginia now enjoys. Most importantly, Wallace said, medical malpractice insurance premiums have been on the decrease since those tort reforms passed.

In an interview with the newspaper News & Sentinel, Wallace explained the previously terrible situation the state’s healthcare workforce found itself in after PIE Mutual declared bankruptcy in 1998 and the St. Paul Companies exited the medical malpractice insurance business in 2000. PIE had insured about one-third of the state’s healthcare workforce before bankruptcy; St. Paul had insured more than 1,450 of the state’s doctors before exiting the market. Following the departure of these two medical malpractice insurance companies, those doctors were left without any coverage and unable to practice. Specialty physicians began leaving for other states, and West Virginia maternity wards began shuttering.

The West Virginia General Assembly amended its Medical Professional Liability Act in 2003 to allow for the creation of WVPMIC, the state’s first and only non-profit, mutual medical liability insurance company. WVPMIC was founded with a $24 million loan from the state’s taxpayers and currently insures about 60 percent of the state’s physicians. By playing an active role in underwriting, risk management and claims, WVPMIC’s physician board members have been able to medical malpractice insurance premiums for its member insureds.

Explaining the success WVPMIC has had since its founding almost eight years ago, Wallace credited the state’s previous tort reform measures. Prior to the passage of West Virginia’s Medical Professional Liability Act in 1986, the state’s medical liability climate was atrocious. Following the enactment of the Medical Professional Liability Act, it has been amended twice to further stabilize the West Virginia’s medical malpractice environment.

All together, the Medical Professional Liability Act and its amendments strictly defined the specific elements of a medical professional liability case, capped non-economic damages at $250,000, limited joint and several liability, established and codified expert witness requirements and provide healthcare workers with procedural safeguards against frivolous lawsuits.

In 2009, West Virginia was named the “Ninth Best State to Practice Medicine,” which Wallace credited to Medical Professional Liability Act and the efforts of the WVPMIC.

Medical Liability Lawsuits’ Emotional Impact on Surgeons

Filed under: Medical Liability Insurance,Surgeon — Katie @ 10:00 am

Surgeons Over Operating TableWe all know that medical liability lawsuits have a huge impact on physicians. They can be extremely expensive, both in terms of cost for litigation and payouts and also because they frequently result in higher medical liability insurance costs. They also cost a lot in terms of a physician’s time. But, a more difficult cost to measure is the emotional impact liability lawsuits have. But, a new study sheds light on the topic as it relates to surgeons.

The recent study in the Journal of the American College of Surgeons surveyed 7,164 surgeons to evaluate the impact medical liability lawsuits have on their emotional well-being. The study was done by researchers at the University of Texas Southwestern Medical Center in Dallas. The results were not that surprising to us. Of those studied, almost 25% experienced some kind of malpractice action within two years of the survey. The stress of the medical liability lawsuit was found to be equal to that of other stresses in the surgeon’s life, including: research pressure, work and home problems, financial concerns and dealing with patients’ suffering and death. And, for the surgeons who recently experienced a medical liability lawsuit, they also reported lower job satisfaction and were less likely to recommend their career to others. Read the press release for more details on how medical liability lawsuits impact surgeons’ mental health including depression, and emotional exhaustion.

Liability lawsuits can be devastating –whether you are a surgeon or not. We don’t need a study to tell us that. If you are sued, having the backing of a quality medical liability insurance company can make all the difference –both financially and emotionally. If you are in need of surgeon medical liability insurance or want to see if you can save some money, don’t hesitate to contact us here at MyMedicalMalpracticeInsurance.com.

February 5, 2012

Medical Malpractice Litigation in a Nutshell

Filed under: judicial system,jury trial,medical malpractice — Katie @ 10:00 am

StethoscopeAt MyMedicalMalpracticeInsurance.com we are rarely left smiling after reading an article about medical malpractice litigation. Or feeling optimistic. But today was a good day. We read an article about medical malpractice lawsuits that left us practically hopeful.

The start of the article very nicely outlined the purpose of medical malpractice tort liability. This includes: providing a forum where negligent physicians can be held accountable, compensating injured patients for harm done, and encouraging physicians to take safety precautions and avoid risk. But that wasn’t the part that got us so giddy –we know all that. The article then goes on to cull data from many, many recent studies. Here are some of the facts, backed by data, that we liked to see all in one place:

Very few injured patients file lawsuits despite there being widespread preventable errors. (We’re not happy about the widespread preventable errors, just that few patients feel reason to sue.)

Medical malpractice lawsuits are few in number and going down.

Medical malpractice cases rarely go to trial.

Medical malpractice awards reflect the severity of harm done.

Despite all of the great and promising data in this massive article, the fact still remains that many physicians pay far too much for medical malpractice insurance coverage and that physicians are often-times wrongly sued and that, as a result, doctors feel forced to practice defensive medicine. Now, where did that hope go?

If you would like to see if we can save you money on medical malpractice insurance, contact us today.

February 4, 2012

DataBreach Endorsement Added to Some Medical Malpractice Insurance

Physician at ComputerWe talk a lot about medical data security here at MyMedicalMalpracticeInsurance.com. This topic has been growing in importance due to the fast-paced growth of medical technology, the transition to electronic medical records, and the explosion in portable devices. While we are first and foremost medical malpractice insurance agents, we are also physician advocates, and we have several concerns related to this topic, which is why we write about it so frequently.

Today we are focusing on the fact that many physicians may not adequately protect their patients’ medical data. All it takes is one data breach to turn a physician’s practice upside down. When a data breach happens, physicians often have to contact patients and often incur patient notification expenses, credit monitoring expenses and data restoration expenses. And, some physicians’ medical malpractice insurance may not cover such expenses. Find out today if your medical malpractice coverage includes data breach. Don’t wait until a data breach happens to find out if your malpractice insurance covers it or not.

We were excited to read today that Markel, one of the medical malpractice insurance companies we work with, is now providing a data breach endorsement to its physicians. However, it should be noted that some physicians and practices may still require a stand alone policy. And, even if you are a Markel client, check with the company (or us if we’re your medical malpractice insurance agent) to see if this new coverage applies to you and your policy. Or, contact us today if you’d like to discuss data breach coverage and what kind of coverage would be best for you and your practice.

Remember, the best defense is a good offense. Or, a stitch in time saves nine. However you like to look at it, it is in every physician’s best interest to find out if they have data breach coverage included in his or her medical malpractice insurance coverage. And, every physician should take significant precautions to ensure that the medical data in their practice –be it on a computer, portable device, or smartphone –is secure.

February 2, 2012

7 Secrets to Avoid a Claim on Your Physician Liability Insurance

Smiling PhysicianWhat are seven simple, tangible things you can do to avoid using your physician liability insurance? Here they are, in no order:

1. Establish good policies –literally -–and make sure that everyone in your office follows them. This includes having a policies and procedures manual. MyMedicalMalpracticeInsurance.com offers a free Office Policies and Procedures Manual to our clients. Use this manual as a starting point for your practice and customize it to fit your needs. If you already have a policy manual, make sure to have an annual review of it and ask your staff for input and/or new issues that need to be addressed in it.

2. Educate your employees and encourage best practices. This goes without saying, but sometimes physicians can assume that colleagues or other staff were trained the same way they were or that they know the “right” way to do something. Don’t assume anything. You don’t want to use your physician liability insurance.

3. Take patient satisfaction seriously. Having a good bedside manner can go a long way towards avoiding having to use one’s physician liability insurance. For example, ask patients, “Have I answered all of your questions?” before the end of a visit. Also, make sure your support staff has good manners as well. And, if you’d like to take patient satisfaction one step further, we suggest actually asking your patients if they were satisfied with their visit by surveying them. Again, MyMedicalMalpracticeInsurance.com has a tool to help you. Use our free Patient Satisfaction Survey System for Medical Practices .

4. Get your data protected properly. First, we suggest that Physicians don’t mix their work and personal portable devices. Second, make sure that all work devices and computers that can have patient information on them are protected well.

5. Don’t let things go. This includes following up with patients by reviewing and giving test results promptly, helping patients make follow-up appointments before they leave the office, etc.

6. Don’t be distracted by portable data devices –be it your phone or iPad, etc. All it takes is one text to cause you to forget to enter important data, forget to ask a question, and have to use your physician liability insurance.

7. Related to number six above, practice safety. Check dosing, follow check-lists (or establish them) and follow best practices.

Finally, even if an error happens, despite all of the above, have excellent physician liability insurance. Know your coverage and feel comfortable with your provider.

February 1, 2012

Three Problems with US Health Care and How They Relate to Med Mal Insurance

Filed under: Health Care,Insurance,med mal insurance,Patients,Tort Reform — Katie @ 10:00 am

Medical SuppliesDr. David Bruton wrote an interesting article recently detailing three reasons why US health care is in “big trouble.”Let’s take them one at a time and see where med mal insurance fits into the picture.

1. The way we pay for medical care. In short, the problem, according to Dr. Burton is third-party payers. Such entities, be they government or private insurance, pay physicians by “units of activity.” Many of these units are often unnecessary, or inappropriate, among other things, he says. Instead, he suggests moving away from this payment system and instead beginning to pay for prevention and lifestyle changes. Related to this, he discusses the cost to train physicians. He suggests training more primary care physicians, quicker and at less cost (and then with less pay) to solve the primary care physician shortage. And, he says the US needs to better organize care giving teams that work together to provide care more efficiently and cost-effectively.

2. Patient Involvement. Dr. Burton believes that patients are becoming less and less involved in their care. The gap in knowledge between the physician and patient is growing, thanks to less time for patient education due to shorter and shorter appointments. I don’t necessarily agree with this for some patient populations,thanks to the internet and the ability of patients to do extensive research on their own… He also talks about how the med mal insurance system is flawed. And, he goes on to talk about defensive medicine.

3. Personal Responsibility. Under this heading, Dr. Burton proposes a major call-to-action for all Americans to become involved in health care reform. Although many Americans are under-insured or simply priced out of good health care and are mad about it, few have done anything significant to try and address the problem.

MyMedicalMalpracticeInsurance.com supports health care reform –particularly med mal reform and tort reform. Med mal insurance is one of the most significant expenses a physician faces. Let us see if we can offer you med mal insurance coverage at a better price today.

January 31, 2012

Florida Emergency Medicine Docs to Be Immune from Florida Physician Malpractice Insurance Lawsuits?

Filed under: Florida Medical Malpractice Insurance,Tort Reform — Katie @ 10:00 am

ER with DefibrilatorA couple of weeks ago an interesting piece of legislation (SB 1506) was put forth in the Florida state senate. Sen. John Thrasher (R-St. Augustine) filed the measure to protect physicians by sovereign immunity from large Florida physician malpractice judgements. It notes the unique feature of emergency room physicians: they are required by law to treat any patient that shows up and unable to turn anyone away –and, as a result, that their Florida physician malpractice insurance is very expensive.

More specifically, the law would make the Florida emergency medicine physicians agents of the state and would not have to pay more than $200,000 in a Florida physician malpractice insurance insurance claim. Victims who win awards larger than that would then have to seek the award from the Legislature. Also, the bill provides a higher standard of proof for claimants. Read the article for the details of the new standard. At MyMedicalMalpracticeInsurance.com we are interested in this legislation, will continue to watch it, and will keep you posted.

We understand the demands on Florida emergency medicine physicians and that they don’t want to pay more than they have to for their emergency medicine malpractice insurance. After all physician malpractice insurance is one of the biggest expenses physicians have. The agents here at MyMedicalMalpracticeInsurance.com are here for you and understand that you want to be informed about your Florida physician malpractice insurance. Don’t hesitate to call us and discuss your emergency medicine malpractice insurance needs today.

January 30, 2012

Florida Lawmakers Sponsor Bill to Stabilize Medical Malpractice System

The medical liability climate in Florida is a mess. Medical malpractice insurance in Miami’s Dade County is more expensive than any other in the nation, and the high cost of medical malpractice premiums influence too many doctors in the Sunshine State to choose to practice bare, without any liability insurance coverage at all. Add the estimated multi-billion-dollar annual cost of the state’s physician force practicing defensive medicine in hope of avoiding a lawsuit, and you have a bloated, inefficient and expensive medical malpractice system strangling the delivery of healthcare to all Floridians.

In recent months, a number of reform-minded organizations have been pushing a policy approach to the problem that would rework Florida’s medical malpractice system to align the interests of patients and their physicians, reduce costs and optimize the quality of healthcare. Now, two Florida legislators have teamed with those organizations to sponsor legislation that would rebuild the state’s system for compensating victims of medical negligence to more closely resemble Florida’s worker compensation system.

Senate Bill 1588/House Bill 1233, the Compensation for Personal Injury or Wrongful Death Arising Out of Medical Injury Act, introduced by State Sen. Alan Hays and State Rep. Jimmy Patronis, would create a medical malpractice system to address malpractice compensation claims through an administrative—rather than litigious—process that aims to reduce medical errors, ensure the injured are fairly compensated and protect healthcare workers from unfair litigation.

The legislation proposed by Hays and Patronis would create a patients compensation system that would utilize a no-fault, state-driven approach modeled after the legal precedent of Florida’s worker compensation system to better align the interests of patients, doctors and taxpayers; lower healthcare costs by reducing the incidence of unnecessary tests and procedures currently ordered by healthcare workers seeking to protect themselves from potential lawsuits; and improve quality of patient medical care by establishing a system that realigns incentives toward patient safety and a reduction in medical errors, while assuring all patient complaints are heard and quickly resolved. The system would also ensure more patients are fairly compensated.

The proposed legislation has been enthusiastically endorsed by Florida physicians. According to polling by Oppenheim Research, 93 percent of the state’s healthcare workforce supports the system outlined in the Compensation for Personal Injury or Wrongful Death Arising Out of Medical Injury Act. Many of those physicians cite the burdensome cost of medical malpractice insurance as the biggest stress on their practice. Senate Bill 1588/House Bill 1233 promises to have a deflating effect on medical liability insurance because the legislation would add predictability to the length of process, dollar size of verdicts and outcome of medical liability disputes.

“Rogue” Physicians and Medical Liability Insurance Claims

Serious Looking PhysicianThe Claims Journal website recently had an interesting article talking about “rogue” physicians and their impact on medical liability insurance claims.

What is a rogue physician, you may ask? The article described a rogue physician as one who has problems doing things legally or ethically, or involving, more specifically, medical liability insurance claims for criminal acts, disruptive behavior, sexual misconduct, and/or billing fraud, to name a few –so, not your usual medical liability insurance claims. These are not claims related to an innocent or accidental error. This is a whole different kind of claim. A presentation by Linda E. Jones, executive vice president at RCM&D Healthcare, at the American Society for Healthcare Risk Management meeting this past November detailed these physicians and their behavior.

And, rogue physicians seem to be a growing problem. Many of these physicians seem to be repeat offenders, having many past liability insurance claims. Jones said that she thinks communication with patients tends to be a problem for these physicians. I think it is much more than that. To be a repeated offender of the kind of offenses listed above, seems to indicate a physician who thinks he or she is above the law, or not to be held to the same standards as other physicians. Jones warns that these physicians may become the target of a class action lawsuit –if enough patients complain and/or are repeatedly offended.

The consumer advocacy group Public Citizen says that the many offenses by these physician are rarely handled well by any disciplinary body. The organization found that 55 percent of physicians who had their clinic privileges revoked had no state licensing action taken against them. The group wonders if state boards are responding properly to disciplinary reports from hospitals and if, as required by federal law, state medical boards are actually getting these reports. We wonder how these physicians feel about having to use their medical liability insurance so much.

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