Professor Argues Against Massachusetts Apology Approach

Last month, the Massachusetts Medical Society (MMS), joined by six healthcare organizations, announced the launch of a new initiative to improve the commonwealth’s medical liability system.

The new alliance collectively created what it refers to as the Roadmap to Reform, an alternative approach to medical liability rooted in the process of Disclosure, Apology and Offer (DA&O) that has proven highly successful at the University of Michigan Health Care System for more than a decade. The new approach is expected to improve patient safety, increase transparency, reduce litigation and cut costs to the commonwealth’s healthcare system.

Under the DA&O model, healthcare professionals and institutions as well as their insurers disclose to patients and families when unanticipated adverse outcomes occur. They explain what happened, establish systems to improve patient safety and prevent the recurrence of such incidents. When appropriate, the healthcare team apologizes and offers fair financial compensation prior to the patient resorting to legal action. This system should not deny patients the right to bring legal action, but rather make tort claims a last resort. Of course, when claims have no merit, they will be robustly defended.

In the wake of the fanfare that surrounded the announcement of the Roadmap to Reform and its implementation, Gabriel, Teninbaum, JD, a professor of legal writing, has come out criticizing the initiative. According to Teninbaum, the new system is rife with opportunity to confuse patients and manipulate them into accepting unfair compensation for medical injury.

Is the manipulation of a patient under the DA&O model a possibility? Yes, but apology in medicine is not a new concept, and it has proven successful in application at the University of Michigan Health System. It’s also a known fact that many patients sue their doctor because they feel the doctor simply didn’t care about their injury or dissatisfaction. When dealt with honestly and with empathy, most patients are less likely to sue their doctor for medical malpractice.

Let’s give this Roadmap to Reform some time to prove whether it is in fact a positive, rather than jump to nefarious conclusions.

Posted in apology, apology in medicine, Massachusetts Medical Malpractice Insurance, medical malpractice | Leave a comment

More than Half of All Medical Malpractice Indemnity Payments Were Made by Six States

A recently released study of all medical malpractice payments made in 2011 indicates that six states accounted for more than half of all medical malpractice indemnifications. The analyzed data came from the National Practitioner Data Bank

That is an astonishing statistic. Which six states accounted for more than half of all medical malpractice indemnity payments is not a surprise. The highest malpractice payout was New York, followed by Pennsylvania, Illinois, New Jersey, Florida and California.

Not coincidentally, the states with the highest medical malpractice indemnity payments also have some of the highest medical malpractice insurance premiums. In some parts of New York and Florida, an obstetrician can be paying in excess of $200,000 in annual base rate medical liability premium.

Looking at base rate premiums in California, one can see how tort reform can keep medical malpractice insurance premiums affordable. While California paid out the sixth largest dollar total in medical liability indemnity, its medical malpractice insurance rates are comparatively inexpensive. An obstetrician practicing in the state’s most expensive county (Los Angeles County) for medical malpractice insurance can pay as little as $38,050 in base rate premium. The most expensive annual base rate premium in Los Angeles County hovers around $80,000. Compared to New York and Florida, those numbers are a steal.

The California Medical Injury Compensation Reform Act (MICRA) has long been the gold standard in medical liability tort reform. Enacted in 1975, the law caps non-economic, pain-and-suffering damages at $250,000. The law also has other requirements that are intended to weed out frivolous lawsuits.

Other interesting statistics found in the study of 2011 medical malpractice payments include:

• The six states that make up the bottom of the malpractice indemnity payments (South Dakota, Vermont, Wyoming, North Dakota and Alaska) make up less than 1 percent of of total payouts.

• Slightly more than 36 percent of all medical malpractice indemnity payments are made to patients age 40 to 59 ($1.3 billion) , followed by patients age 20 to 30 ($786.3 million).

• In total, 58 percent of all medical malpractice indemnity payments were made to women; 42 percent of all indemnity payments were made to men.

• Medical malpractice indemnity payments have been declining since 2003.

• The total dollar amount of 2011 medical malpractice indemnity payments were slightly less than they were in 2010.

Posted in California Medical Malpractice Insurance, Insurance, medical malpractice | Leave a comment

Want to Reduce Your Professional Liability?

Female PhysicianAre you a professional liability insurance client of ours? If you are, have you taken the time to view our Patient Satisfaction Survey System yet? If not, it may be one of the smartest things you do to help minimize your professional liability exposure.

Study after study has shown that the higher patient satisfaction is, the lower professional liability is. This makes a lot of sense –happy patients are less likely to sue for professional liability.

By surveying your patients, it shows them that you care about them and their experience. And, by getting feedback on areas where they are less than satisfied, you can take action to resolve or improve those issues before they become bigger issues. And, again, it shows your patients that you care. It also allows you the opportunity to see if there are trends in your practice where improvement can take place on a larger scale. All of this allows you to reduce your professional liability exposure on a significant level.

Our Patient Satisfaction Survey System was developed with the Picker Institute and the American Hospital Association and requires only a 4th grade reading level and is available in 10 languages. And, best yet, it’s online and results are available instantly.

It covers eight “Dimensions of Care.” These areas are:

1. Respect for the patients’ values, preferences and expressed needs
2. Access to care
3. Emotional support
5. Information and education
6. Coordination of care
7. Physical comfort
8. Involvement of family and friends
9. Continuity and transition

And, the survey understands that your patients’ time is important. It is only 25 questions long and takes less than 5 minutes to complete. Minimize your professional liability today.

Lower your professional liability insurance costs today. Get a free quote from MyMedicalMalpracticeInsurance.com. There is never any obligation and we are happy to answer your questions, again, free of charge.

Posted in Liability, Patients | Leave a comment

Why We’re the Medical Malpractice Insurance Industry Leader

Physician Writing on ChartToday we’d like to take a moment to talk about how we like to run our business and why we are the industry leader. MyMedicalMalpracticeInsurance.com provides our customers with a top-notch combination of experience and customer service. This results in excellent coverage at the best price possible in a pleasant environment.

Let’s talk a little more about experience. Our medical malpractice insurance agents have made careers out of medical malpractice insurance. They have a niche and have mastered it. Our agents are office-based. What does this mean? It means that they are not out of the office selling and lunching with clients. Our medical malpractice insurance agents are in the office, answering questions, turning quotes around, handling your issues promptly.

Our medical malpractice insurance agents also have access to all of the major carriers. Not many medical malpractice insurance agencies can say this. Also, our agents are licensed in every state and are familiar with all types of medical malpractice insurance coverage. From coverage for physicians to medi-spas to physician assistants, we can get it and we understand it.

Let’s talk a little more about our customer service. Our medical malpractice insurance agents are friendly and happy to talk to you –not just because it’s their job but also because they love what they do. They view themselves as physician educators and physician advocates. They are interested in physicians and their practices and positioning them for success.

Our medical malpractice insurance agents are also compassionate, and they are experts at finding medical malpractice insurance coverage for physicians no matter what the claims frequency or past claims history. So, don’t be afraid to call us if you have a claims history.

Also, our medical malpractice insurance agents take calls during off hours and on weekends. We know that your needs don’t stop just because it’s 5pm or the weekend.

Finally, we offer our customers free practice tools.

Whether you need physician malpractice insurance or medi-spa malpractice insurance or another kind of medical malpractice insurance, don’t hesitate to contact us. We are here to serve you and get you the best coverage at the best price for your unique situation.

Posted in claims frequency, Medical Malpractice Insurance | Leave a comment

Maryland’s MedStar Refers Injured Patients to Lawyers

Dollar Sign Made out of PillsOn my constant search for what is new in the world of medical malpractice, I recently came across an article on AMedNews.com that describes the practice by MedStar Health of referring injured patients to lawyers. Intriguing, right? So, we kept reading. Here’s a brief discussion of the article:

MedStar Health is one of the biggest health systems in Maryland. And, when a patient is injured in the MedStar system, they actively work to address the issue. First, they discuss what happened. Second, they work toward a resolution. And, third, if appropriate, they offer a settlement. If the settlement is rejected by the patient, this is where it gets a little weird: MedStar offers the patient the name and number of an attorney. And MedStar is not alone. Two other major Maryland health networks do the same thing: LifeBridge Health and the University of Maryland Medical System.

Is this a good way to handle Maryland medical malpractice liability? Those involved say that it saves everyone time, money, and aggravation. Others worry that the lawyer may go after the physician for medical malpractice once the case with the hospital is settled. It may not matter too much, though, since the number of patients who take the referrals is low.

Are you a Maryland physician in need of Maryland Medical Malpractice Insurance? If so, we can help. MyMedicalMalpracticeInsurance.com has helped thousands of physicians in Maryland purchase their medical malpractice insurance. MyMedicalMalpracticeInsurance.com has access to all of the leading Maryland medical malpractice insurance companies. And, combine that with excellent customer service, extensive knowledge of the industry, and agents that take calls on nights and weekends, it all adds up to top-notch Maryland medical malpractice insurance for our customers.

Still not sure if you want medical malpractice insurance coverage through us? Contact us and ask for a free quote. Or call and get your questions answered.

Posted in lawyers, Maryland Medical Malpractice Insurance, Patients | Leave a comment

Physician Compensation Report Out

Physicians Walking Hospital HallwayThe Medscape Physician Compensation Report 2012 is out. And, we here at MyMedicalMalpracticeInsurance.com love data –that is why we have tracked medical malpractice insurance premiums across major specialties, states and medical malpractice insurance providers over the last 10 years.

Let’s look at some of the Physician Compensation results for this year and see if it has anything to say about medical malpractice insurance premiums. Over 24,000 US physicians from 25 specialty areas responded to the online survey. Overall, physician income went down. The top five earners were: radiologists and orthopedic surgeons tied at $315,000, then cardiologists at $314,000, and anesthesiologists and urologists at $309,000. As one would expect, the lowest earning specialties were: pediatrics, family medicine, and internal medicine. And, unfortunately, the income gap between male and female physicians continues with male physicians earning about 40% more than female physicians.

Interestingly, the Physician Compensation report goes on to say that physicians in the North Central area of the country tend to earn the most. For Physician Compensation Report purposes, this area is comprised of Iowa, Missouri, Kansas, Nebraska, North and South Dakota. These physicians most likely earn more because they are working in rural areas and small towns often have to pay physicians more to attract them.

The Physician Compensation Report clearly found a growing dissatisfaction among physicians. Interestingly, for both male and female physicians, only 51% feel that they are fairly compensated. And, this year, only 54% said that they would choose a medical career again. This number is dramatically lower compared to last year, which had 69% of physicians saying that they would choose medicine again. Regarding overall satisfaction, Dermatology scored the highest, with only 64% of dermatologists saying that they were satisfied –and this was dramatically down from 80% for last year.

If you would like to review more data, like medical malpractice insurance premiums, take a minute to review our state medical malpractice insurance pages. Each state page lists medical malpractice insurance premiums for the past 10 years across several major specialties and carriers.

Posted in Medical Malpractice Insurance rates by State, Physicians, Surgeon | Leave a comment

Cyber Liability and Online Scheduling

Physicians in surgeryWe recently read about an interesting cyber liability case from Arizona. A Phoenix and Prescott surgeon recently had to use his Arizona medical malpractice insurance for a very avoidable reason. In a nut shell, the physician posted patients’ appointment information on a public Internet calendar, violating HIPAA regulations, and opening him/herself up to major cyber liability.

While it would be easy to say that such a mistake was stupid, we here at MyMedicalMalpracticeInsurance.com see avoidable errors like this time and time and again. We firmly believe that no physician would intentionally compromise his or her patient’s confidentiality. There is often a feeling that the more things go online, the better and more efficient practices will be –but only if such processes are thought through and put in place carefully. Quite simply, in this age of online media, scheduling, and records, it becomes all too easy to get wrapped up in “getting online” (and getting the latest project checked off the list) that proper safety and confidentiality precautions are often accidentally forgotten.

With any new online or electronic endeavor, the physician or practice manager should ask:
Who should see this information?
Who else could possibly see this information?
How is this information protected?
Is it sufficient?

And, to follow-up on another cyber liability case that we recently reported on, the plastic surgeon who posted before and after photos of his/her patients with identifying information had the claim settled under his/her cyber liability policy from Medical Protective (Med Pro).

The good news is that many of the major medical malpractice insurance carriers provide cyber liability coverage as part of their standard policies. If a carrier does not offer cyber liability coverage with a standard policy, a stand-alone cyber liability insurance policy can be purchased. Contact MyMedicalMalpracticeInsurance.com today if you would like a free quote or any questions about such policies answered.

Posted in cyber liability, Electronic Medical Records, Insurance, Patient Privacy, Social Media | Leave a comment

Massachusetts Hopes Apology Approach Will Reduce Medical Malpractice Insurance Premiums

Last week, the Massachusetts Medical Society announced that six of its top healthcare organizations would be launching a new initiative aimed at improving the commonwealth’s medical liability system and lowering the cost of medical malpractice insurance premiums.

The new initiative is titled, “Roadmap to Reform,” and it is based on the Disclosure, Apology and Offer approach to claim closure. According to the Massachusetts Medical Society, the initiative is expected to improve patient safety, increase transparency, reduce the amount of litigation and cut the overall cost of Massachusetts’ the healthcare system.

Seven hospitals will be participating in this year’s pilot program. Input for the pilot program was received from the Massachusetts Medical Society, Beth Israel Deaconess Medical Center, Bay State Health, the Massachusetts Coalition for the Prevention of Medical Errors, Massachusetts Hospital Association and Medically Induced Trauma Support Services.

Under the Disclosure, Apology and Offer approach, when an adverse medical outcome occurs, the hospital, physician and their insurance companies will investigate and explain to the patient and his or her family what happened and why. They will then apologize for the adverse outcome and make an early financial offer to rectify the situation. Most importantly, the hospital and physician will detail to the patient and his or her family what steps will be taken to ensure the error does not occur again in the future.

The Massachusetts Medical Society and the other entities behind the Disclosure, Apology and Offer approach believe that both patients and physicians will regard the new model as being more fair, timely and supportive than the traditional response to adverse events, which is combative, discourages the exchange of statistics and impedes efforts to improve patient safety. They also believe the Disclosure, Apology and Offer approach will lead to quicker resolution of cases and enhance the reporting of medical errors.

In addition to funding from the Patient Protection & Affordable Care Act, three of the nation’s largest healthcare insurance companies supported the Disclosure, Apology and Offer model’s implementation.

Posted in apology, apology in medicine, Massachusetts Medical Malpractice Insurance, Patient Protection & Affordable Care Act | Leave a comment

International Medical Malpractice Insurance

Physician Viewing ImagesAs the leading medical malpractice insurance agency, we see a variety of different situations and opportunities to serve our clients. Today we will discuss a unique situation: the doctor that treats medical tourists or foreign patients and needs international medical malpractice insurance.

Here are some common scenarios:

International Medical Malpractice Insurance Scenario #1 is the physician that lives in the United States but has a connection to a foreign country and wishes to treat American patients in that country. Medical tourism is a new and growing medical care-giving industry. And, various countries are actively marketing their low-cost medical care and offering patients new alternatives. Recently, the agents at MyMedicalMalpracticeInsurance.com helped secure a policy for a Texas-based doctor to provide plastic surgery to Americans in the Caymen Islands. The doctor’s current medical malpractice insurance policy did not cover practice outside of the United States. We secured the physician a new international medical malpractice insurance policy that protected him from claims that originated in the Caymen Islands but that were were brought against him in the United States (not the Caymen Islands because the patients were American). Situations vary country to country, and this is just one example of the kind of coverage our clients have needed.

International Medical Malpractice Insurance Scenario #2 is doctors that travel abroad to do charity work. These physicians often need coverage but we have regularly found that it is often easiest and best to have the charity group list the physician under their own professional liability policy.

International Medical Malpractice Insurance Scenario #3 is telemedicine. This involves physicians based in the US seeing patients in foreign locations via technology, like a radiologist who lives in NYC but reviews slides from a hospital in Oman. Like Scenario #1, we encourage the physicians to get an international medical malpractice insurance policy that protects the physician from claims that originated in the foreign country but that are brought against him or her in the United States.

International medical malpractice insurance coverage is not nearly as daunting or scary as it sounds. If you are in need of such coverage, do not hesitate to contact us today to discuss your international medical malpractice insurance coverage needs.

Posted in Medical Malpractice Insurance | Leave a comment

Midlevel Medical Malpractice Insurance

Nurse with ChartWhen referring to our non-physician clients (physician assistants, nurse practitioners, registered nurses, certified registered nurse anesthetists, and physical therapists, to name a few), we don’t necessarily like the term “midlevel.” However, this is the short-hand term used by the medical malpractice insurance industry to refer to coverage for PAs, NPs, RNs, CRNAs, and PTs. So, today we will be talking about midlevel medical malpractice insurance.

Midlevel medical malpractice insurance coverage comes in many forms and can be quoted rather easily.

Most midlevel medical malpractice insurance policies are claims-made. Often, the standard, admitted, carriers will cover midlevels under a group policy. Midlevels in a group can be covered at no extra charge if they share in the limits with the corporate entity. Separate limits can be obtained for an additional charge.

Coverage costs vary state to state and county to county. Most midlevel medical malpractice insurance policies start at $1,000 and get as high as $3,000-4,000 with $1 million limits. It should be noted that claims can cause the price of coverage to increase, as well as licensing and criminal background problems, and gaps in coverage.

If the midlevel would like a stand-alone policy, the medical malpractice insurance agent will have to go to a surplus lines company. And, occurrence policies can be made available under certain circumstances. However, the cost for this kind of midlevel medical malpractice insurance coverage will be higher.

It should be noted that one fairly large, growing segment of midlevel medical malpractice insurance coverage concerns NPs and PAs that are opening their own freestanding clinics and hiring licensed physicians as medical directors. In many cases, we are securing coverage for the clinic, the medical director and the various caregivers (NPs, PAs) in one simple policy. These policies are convenient, because they allow an individual to add and subtract employees in a very easy manner. The cost of these policies has been slowly growing higher because it is such a growing segment of medicine. Cost ranges for a 1st year claims-made clinic policy from $2,500 to $5,000 and it depends on the state, projected number of patient visits, number of caregivers or providers, and estimated revenue of the clinic.

Posted in Nurses, physician assistants | Leave a comment