Which Insurance Carriers Provide Urgent Care Policies?

The Doctors’ Insurance Agency is expanding the number of urgent care centers with which we provide Medical Malpractice and Workers Compensation Insurance.

Whether our doctors are asked to work at them periodically or a group of our doctors get together to open them or a hospital is investing with  primary care doctors in the community in a joint operating agreement, the medical malpractice insurance can be tricky and often cost more than is necessary.  We can work with you and our insurance malpractice carriers to reduce the premium and contemplate the tail costs.

Typical Services at Urgent Care Centers

Urgent care centers provide many of the same basic medical services as a doctor's office, often with extended hours for delivering services and lower out-of-pocket costs. Staffed with qualified professionals, urgent care centers are ideal for non-emergency care when your doctor is not available:
Urgent care centers can start with a minimal investment opening from 6 o'clock in the evening and both weekend days. Some of our primary care doctors will develop ongoing attending physician relationships with their patients serving not only as an urgent care center but also transitioning to their primary care provider.
Taken from the Urgent Care Association website, The common injuries and illnesses treated at urgent care centers are the following:

Injuries Treated at Urgent Care

Many people who come into urgent care facilities come because they have an injury or have recently experienced trauma. Generally the injury and trauma that causes someone to come into urgent care is not chronic. Instead, common injuries include:

Sprain or strain of the ankle, knee, or shoulder
Cuts and lacerations
Injury from falls (non emergent)
Injury from car accidents
Illnesses Treated at Urgent Care

In addition to injuries, many people come to urgent care facilities to be treated for illnesses. These illnesses are not life-threatening. Usually they can be treated with antibiotics or other medications. Some of the most common illnesses that are treated in an urgent care facility include:

 Urinary tract infections

Yeast infections

Pink eye
Ear Infection
Strep throat

Which Insurance Carriers Provide Urgent Care Policies

The Doctors Insurance Agency  works primarily with specialty health care liability insurers (Like The Doctors’ Company, Admiral, Kinsale and Beazely)  to provide affordable solutions which can accommodate mid-level providers and doctors on the same affordable malpractice insurance for urgent care policy.

The  premiums are competitive and surprisingly affordable, the cost reflects the pure risk of providing these urgent care services. (pure risk refers to the internal structure of the policy, where the cost is developed by counting consultations, RVU’s or hours worked rather than pricing by just the number of doctors or mid levels on the policy.
We can build a slotted policy or a roster policy , both of which allow for easy ‘ons and offs’ of practitioners on the policy.  Structuring policies this  way allows for ongoing claims paying  for even doctors who have had to cancel.  
A flexible urgent care malpractice insurance policy  allows for flexible use of doctors who may need to take prolonged time away from the center essentially the underwriters will approve a roster of doctors initially underwriting each of them and adding them to the urgent care roster. This allows them to come and go off the policy.

We have some policies that are priced as low as $4000 annual premium offering each physician  $1 million per incident claim that is shared amongst the others, but that million is available per incident.

Time is critical as often the medical malpractice is the last thing you think about when you're putting together all of the logistics and details required to open a new center.  We have so much experience in structuring insurance for the individual providers, doctors, the center owners, directors, we can help take this headache off of your to do list and make certain that you have a policy that is comprehensive and includes everyone providing services at the clinic making financial and business decisions and even ensure all of the property investment that you have made.

 From Business  World Research, we have read that The Urgent Care Centers industry represents one of the fastest growing segments of the American healthcare system. With rising wait times for both primary and emergency care providers, urgent care centers have become an increasingly viable alternative for patients. During the next five years, the industry is expected to continue expanding. One of the main factors driving growth for the industry is increasing yet unmet demand for primary care providers that ultimately pushes more patients to this industry's operators. Additionally, the Patient Protection and Affordable Care Act will expand insurance coverage to millions of people by 2020.

Whether you are a nurse practitioner thinking of opening your  own center and wondering what is the most cost-effective way to align with the medical director or supervising/collaborating physician, or a primary care doctor …worried about the most cost of effective way to build these policies and administratively how on earth can you manage; give us the chance to work with you to help you grow the roster of available providers at locations as necessary and ensure a large roster of qualified credentialed doctors and mid-level providers all included under a flexible custom Urgent Care Malpractice policy.


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