When physicians are requested to provide protected (or seemingly protected) health information to Pharmacies, Hospitals, or other Health care organizations...Which, naturally runs counter to your  trained method of protecting that information and storing it securely.

 Pharmacies are increasingly demanding patients' personal health information before filling prescriptions. 

Are Pharmacies playing a heavy hand? 

Seems like a conflict reminiscent of the pharmacies refusing to fill birth control prescriptions for unmarried women.

There are now laws in place prohibiting that kind of discrimination. Now, the opioid crisis is initiating action that conflicts with protection. Pharmacies need to protect patients...Pharmacists tell patients that physician  have to send their records to the pharmacy before they'll dispense.  But, if the physician releases the information are they opening themselves up to a Hipaa violation, with civil fines and penalties:

A common question that we are asked at  The Doctors Insurance Agency – (an agency for The Doctors Company) and a national broker for medical professional liability insurance is in regards to whether a physician needs to purchase a separate Medical Director Liability Insurance Policy.  If you are asked to sign a contract as medical director for an Assisted Living Facilities, Pathology Labs, Endoscopy Labs, Medical Spas and other similar health care organization, you might be asked to provide your own medical director liability insurance policy. 

You may need one (regardless of whether the organization carries their own liability policy);  the key to understanding whether you need to purchase your own is understanding the contract language in the Medical Professional Liability Insurance Policy for the healthcare organization. 

We are often asked if the medical professional liability insurance policy that ‘covers’ the health care organization also provides liability cover for the Medical Director. 

Physician Owned Medical Malpractice, Medical Professional liability Insurance looks at where we are are today:  trends, challenges:

The Physicians Insurance Association meets annually with each of its specialty medical professional liability carriers to discuss growth and expense (payout) trends and other medical business dynamics that affect the future of these often smaller (relatively) medical malpractice insurance carriers. 

Dr. Richard Anderson is the Chair of the Physicians Insurance Association;  he shared his unique hard earned insights into the business of defending and protecting doctors from  malpractice claims and the future of financing and defending them. 

If you are joining the many physicians and other healthcare professionals who are starting your own  lifestyle medicine center and you need to provide liability insurance for other MD's or allied providers, The Doctors' Insurance Agency has a medical professional liability policy to fit this full or part time practice.

Whether you  are the founder of a clinic, and you need a policy to cover you, your business, or the non-medical staff; or you  need a part time policy  to cover you (separate from your regular medical group policy), we can help you  find the right policy.  

In addition to providing Medical Malpractice Professional Liability Insurance, The Doctors’ Insurance Agency works with physicians and surgeons nationally to protect their medical licenses. The Doctors’ Company was one of the first insurance carriers to offer money (expenses up to $ 25,000, subject to a $ 1,000 deductible) to defend you against medical board or hospital/payer credentialing investigations.

This ‘sublimit’ was one of the INNOVATIVE COVERAGE SOLUTIONS first offered by The Doctors’ Company in response to a sudden increase in cluster claims brought by State Medical Boards in conjunction with the more expected and reasonable patient allegations of missed diagnosis or omissions (or other negligent service claims).

Is there one medical malpractice, medical professional liability policy that covers a physician practicing some conventional, primary care medicine (taking histories, physicals and even prescribing appropriate "Pharma" remedies, antibiotics, topicals, meds) but diagnoses chronic disease with an eye toward 'integrating' a holistic solution. 

Do you need more than one medical malpractice insurance policy to cover your anti - aging practice: One to cover Testosterone  supplements, hormone therapies, stem cell injections, or other anti aging treatments.  Another policy which covers the lifestyle, 'medical consultations, including nutrition, life environment, food choices, exercise routines, ....And a third to cover aesthetic (laser, skin treatments, injectables or other aesthetic services). 

How do you provide proper insurance:  the right type of clinical research liability insurance for your clinical research organization? Doesn’t the Pharmaceutical or Manufacturer provide indemnification clauses that cover the research organizations? What if you are a clinical research organization that employs three investigators: (each an M.D. or D.O.) and many independently contracted sub investigators; Some of these (a combination of mid levels  (NP’s, CNM’s and PA’s).

Yes, you  can purchase a policy for  the organization that includes everyone you need to implement your  sophisticated work of the FDA approved trial. 

The Doctors’ Insurance Agency has been working with our partners at Program Professional Insurance and World Wide Facilitites to develop, promote and underwrite policies that cover individual RN’s doing Aesthetic services, The medical professional policies are a great solution for Midlevel Providers working in or owners of a MediSpa.  These specialized liability insurance policies cover as many employees or independent contractors as necessary (according to your growth and business model).

The policies are underwritten by American and London based Carriers with years of supporting this industry. They have access to informed consent forms, risk management tools and fair, competitive premiums that will allow your business to grow in those sensitive early years. 

Developing premium based upon individual clinical practice of medicine (direct patient care within the specialty)

The Doctors’ Insurance Agency over 25 years has managed the Medical Malpractice Insurance Policies for  thousands of physicians).  Ninety percent of our physician liability insurance policies cover doctors practicing within their medical specialties- full time in clinics, hospitals or medical offices.  These policies are rated by insurance company actuaries developing premiums after studying the claims in those individual specialties. 

Sufficient Premium for clinical practice bodily injury resulting from alleged medical negligence claims

The actuaries develop premiums by studying claims history in the specialties overall (nationwide) and then, in particular  in the state and county of practice; studying the frequency and severity (average claim cost) in each medical specialty and determining the first five years of premium based on those variables.  This model always seems straightforward and makes sense to me; premiums to buy insurance for cars, homes, condos, renters, life, disability all use variables like this to measure and logically price the product

Medical Malpractice Tail Premium and Coverage

The Doctors’ Insurance Agency provides medical professional liability insurance for physicians and facilities.  In the past thirty years (we were founded in 1988) we have probably answered the question about the high cost and the importance of providing tail insurance for the work that you’ve done over the past weeks, months or many years. Tail insurance can be purchased immediately following the cancellation of a policy by following the terms of the policy; most ‘admitted’, preferred medical malpractice insurance companies charge between 200 and 250 % of the expiring premium to provide a tail policy protecting you  indefinitely into the future.