Telemedicine and Medical Malpractice Insurance

The Doctors Insurance Agency is providing Health Care Providers and facilities with affordable, appropriately priced medical malpractice insurance.Again this week I learned as I continued this immersion into providing Medical Professional Liability Insurance for physicians, mid-level providers and allied healthcare providers that affordability is key in these early years - starting up a telehealth practice. You can't spend every available earned reimbursement paying your malpractice provider.

Start up telemedicine organizations are watching every dollar (as any entrepreneurial business). They are working hard to promote their business, reinvesting hard earned dollars in digital and paper marketing, traveling in buses and trains to attend shows, conventions and scientific meetings; often working in the margins of the day to provide the service that they are working so hard to promote.

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Hospitalists? What Are Those?

In 2002, The Doctors Insurance Agency wrote our first hospitalist professional liability policy. This was a group of four internal medicine doctors working in the central Valley. What drove them to look for a separate policy is that they did not want their hospitalist work to impact their current medical practice, they wanted their claims history to be recorded and kept separate from their clinical practice. In part they did this out of caution, they were not sure this idea was going to work; and like many insurance carriers at the time, they were fearing that this concept might actually invite litigation and complaints.

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Job Description: Medical Director

Job description: Medical Director
By Madeline Hyden

The role physicians play in the nonclinical setting is becoming more complex as the medical practice landscape evolves.
MGMA compiled lists of job functions, duties and responsibilities, and compensation considerations to help physicians put together medical director’s job description.

Main functions of a Medical Director:

• Holds the senior medical administrative position in a medical group practice
• Responsible for a number of activities related to the delivery of medical care and clinical services such as cost management, utilization review, quality assurance, and medical protocol development
• Oversees the activities of group physicians, including the recruiting and credentialing processes
• Reports to the physician CEO/president and/or to the governing body of the organization
All of these administrative services are covered under the most basic medical director policy and it is important to find a policy that can travel with you. In other words, one policy can cover multiple contracts.
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Occurrence Professional Liability Insurance vs. Claims Made Liability Insurance

Medical Malpractice Insurance is a specialized type of professional liability insurance that covers physician liability arising from disputed services that result in a patient's injury or death. ...

Malpractice insurance is usually available through traditional insurance carriers or from a medical risk retention group.

A Risk Retention Group is an organization of medical professionals organized to provide liability insurance (sometimes sponsored by single specialty medical associations or county medical societies).
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Medical Director developing a MediSpa, Telemedicine or Medical Director Business

There are a lot of physicians with their own practice, private or industrial, who are interested in starting their own services, from Medical Concierge consulting work to many other ‘non clinical’ or non traditionally clinical medical practices. The Doctors Insurance Agency has made it our primary business to understand where the affordable and comprehensive insurance policies are to allow you to do just this. Our physicians (the ones who work with us to help them find these policies) are surprised , the ones who decide to start their own medical wellness aesthetic clinic to learn how affordable it can be to obtain a medical professional liability insurance policy.
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Nurse Owned Clinics and the Medical Malpractice Insurance

For over 15 years our medical malpractice insurance agency provided Nurse Practitioners Professional Liability Insurance in a shared limit capacity by adding them to a medical doctors medical malpractice insurance policy.

Increased Access

And because it is less expensive to compensate nurse practitioners and because they provides an excellent care and spend more time with patients, physicians and all specialties have been adding these mid-level practitioners to their policies. Often times doctors will sign independent contractor agreements that drive their decision to purchase their own professional liability insurance policy.
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Urgent Care Malpractice Insurance

Internal medicine is the medical specialty dealing with the prevention, diagnosis, and treatment of adult diseases. Physicians specializing in internal medicine are called internists. Family practice is also a specialty dealing with the prevention, diagnosis and treatment of adult diseases. Physicians practicing specializing in family practice are called family practice doctors. These are the definitions that I find when I look into the Internet and these are the broad categories that are used to create medical malpractice premiums,
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Finding the Right Price and Coverage for your Medical Director Services

The role physicians play in the nonclinical setting is becoming more complex as the medical practice landscape evolves.  The Doctors Insurance Agency has dozens of liability policies that cover the medical director services either by endorsement or as a stand alone claims made policy.

Researching the data available with the Medical Group Managers Association website, we compiled lists of job functions, duties and responsibilities.
Our policies cover them all (including patient care)…  It is common for medical directors of pathology departments, hospitals, dialysis centers, skilled nursing facilities, adult day care centers and medi-spa's to require coverage for the administrative and supervisory services as well as part-time or limited part-time direct patient care.
Main functions of a medical director:

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Understanding Hospitalist Medical Malpractice Liability Insurance

To understand hospitalist medicine, your insurance broker or agent must have experience in the medical professional liability insurance industry.
It is very helpful to have a team of professional liability underwriters who understand how to develop premium according to actual exposure.

Tail Coverage (Extended Reporting Coverage)

Coverage that protects the physician against all claims that arise from professional services performed while the claims-made policy was in effect, but which were reported after the termination of the policy. Some insurers offer this feature free of charge for retiring doctors who meet certain requirements.
The connection between Tail coverage and Hospitalist Medicine
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Does a Cosmetic Nurse Esthetician Need Their Own Professional Liability Insurance Policy?

question that is asked often of our national healthcare liability brokerage team: (especially by our Cosmetic Technicians, Nurses, Estheticians)

Do I Really Need My Own Insurance Policy?

I think in our experience, the answer to this question is YES, whether it's a medical Doctor  who has independent contractor agreements to provide hands-on direct patient care or for medical director services .. or whether it is a nurse aesthetician or mid-level provider working in a MediSpa or wellness setting -  the premiums are generally under $3,000 a year often less than $1,500,  this is what  leads us to answer yes
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