Can I Work for a Telemed Company?

Our agency has been finding Telemedicine Medical Professional Liability Insurance Solutions since 2002 (when a couple of innovative thinkers in the Silicon Valley in California (who happened to be Radiologists) decided that there was a business opportunity in providing Radiology services between Midnight and Eight in the morning.
 
We needed to endorse and expand their medical professional liability policy so that it was manageable (easy to add and inclusive of tail when their physicians cancelled).  The policy covering Telemedicine organizations, insuring them against medical malpractice claims had to be flexible and affordable.
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Cyber Attacks On Physician Practices

We commonly hear about cyber security attacks on large national companies, however, smaller main stream companies are also a target.  And healthcare information (payment card information and personal identity information) is among the most desirable and profitable targets of cyber criminals and hackers.  Small and mid-sized businesses often lack access to cyber security expertise, thereby, making them easier targets.  Here’s an example of an attack that occurred right in our own backyard as described in The Mercury News on August 5,2016 by Richard Halstead and Marin Independent Journal click here

It reminds me that we need to remind our physicians of the valuable data they hold and that they should work with their insurance carriers that provide Cyber Insurance before an event takes place by helping provide them with advice and risk management tools to help secure their systems and ultimately provide them with coverage in the event of a data breach.  
 
 

Teledentistry is one Method of Getting Low-Income Patients Affordable Dental Care

The Doctor’s Insurance Agency provides medical malpractice professional liability insurance for healthcare facilities, employed  medical staff, (such as technicians, assistants, registered nurses, rehab specialists,  mid-level providers and medical doctors.

Among facilities in areas of healthcare that are growing, we are seeing increasing new groups and clinics in  urgent care, hospitalists  and telemedicine. Telemedicine has gained in  many specialty applications, from the intuitive psychiatry and radiology (which seem to lend themselves easily to Telemedicine Platforms) to primary care, acute care and even neurological consults performed remotely using store and forward technology, or real time consultations from remote sites to specialists  for treatment guidance.
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Developing Walk In and Urgent Care Centers

This is some information that I read (and I’m recounting here) from American Academy of Urgent Care Medicine:

The trend in developing walk in and urgent care centers is, in part, made available by medical malpractice insurance becoming more affordable for these kinds of organizations. Creating a structure that supports the 84 hour week of staffing and the unpredictable rosters are the signature of  these organizations and the difference between immediate success and a longer-term and more expensive investment.
 
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Telemedicine Groups are Now Providing Medical Services in Hospitals, Skilled Nursing Facilities, Adult Healthcare Clinics and Urgent Care

The Doctors’ Insurance agency has 10 malpractice insurance representatives working hard to find the right coverage for healthcare facilities, physicians,  aesthetic technicians,  wellness professionals,  surgery centers, urgent care centers and  hospitalists across the country.  And while mid-level providers,  adult care providers, hospitalists and urgent care represent fast-growing niches -  telemedicine seems to be surging ahead of them all.   In fact through telemedicine technology -  doctors can supplement their work schedule adding  more flexibility and additional income.
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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.

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Understanding Hospitalist Medicine

The Doctors’ Insurance Agency and Hospitalist Groups (small, independent hospitalist physicians and larger multi state hospital groups)
Hospitalist groups continue to show amazing growth and mark their place in the health care landscape, the purpose and service provided to hospitals is stable.  The financial results and evolution of the specialty is proof that our health care delivery system is benefitting from this service;
 
As recently as  2005 there were some malpractice insurance companies had not yet learned how to price or manage to underwrite these medical groups.
Hospitalist Medicine Evolves, premiums match the risk
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Telemedicine Malpractice Insurance is similar to Hospitalist Malpractice Insurance

n the years and years of working in the Medical Malpractice Insurance industry I have experienced many recurring issues in underwriting,:  changes in underwriting guidelines towards different specialties.  

With Telemedicine on the rise:…I believe the opinions about the efficacy of telemedicine are changing. I  copied this from notes that I took at a Telemedicine Association conference years ago: We offer telehealth coaching and phone discussions with MDs at my shop. The catch is the doctor's "don't treat or diagnose" over the phone, but they will offer advice and second opinions... which always seems to me like skirting the line. They can't prescribe anything over the phone though…..the cost is a factor (which is driving the growth of this niche)….It's cheaper because they'll pay the phone nurses about $10 an hour than floor nurses (…The telemed services work  for older populations who are home and use their phone a lot. Young people are phone-resistant, so, they will start to (and are in fact doing this) accessing physicians through portals and via skype ‘google places’ sessions. (from the JAMA) one physician writes: In my experience, where I really see Telehealth really working is for mental health and addiction issues.

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How to Price and Structure a Hospitalist Liability Insurance Policy?

As the endorsed carrier of the society for Hospital Medicine, The Doctors Company is developing a lot of specific knowledge and is thereby now able to pass on successful strategies to avoid claims.  The Doctors Company with its 75,000 member physicians can study claims trends in order to help their physician policyholders.

Risk Management in Hospitalist Medicine:

Recently in The Doctors Company quarterly newsletter called The Advocate, they provided an analysis of hospitalist claims. Because of the number of doctors insured, they have a wide base of extensive data which allows them to study and share information in the interest of practicing better medicine. When a society endorses The Doctors Company one of the commitments The Doctors Company makes is to discuss procedures, techniques, treatments, and technology that can help avoid injury and contribute to the practice of better medicine.
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Did you know: That There is a Medical Expert Witness Directory?

Medical expert witnesses who are available to consult and testify regarding medical issues can be located in this directory and link:  click here 

There are many physicians who are available to consult regarding different specialty areas of medicine:  from  anesthesiology, cardiology, pain management to dental/dentistry and obstetrics & gynecology.  These medical experts may provide reports  resulting from their independent medical exams (IMEs), emergency medicine & trauma, and medical staffing.   Some will go to court to testify under oath.
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