My Medical Malpractice Insurance

September 3, 2010

Verdicts could tap $90M from state medical malpractice insurance fund

side note: Even while in police custody, the infamous fugitive Dr. Mark Weinberger is managing to bring harm to the citizens of Indiana. Experts fear that the 357 medical malpractice lawsuits that face Weinberger could end up costing the Indian state medical malpractice fund over 90 million dollars. The depletion of the Indiana state fund would have repercussions felt through out the entire Indiana medical community. When I’ve had the opportunity to speak to doctors one on one at conferences, they have all told me that they wished doctors would be more willing to call out their own especially when the guy has 357 claims against him. For a free quote on medical malpractice insurance in the state of Indiana visit mymedicalmalpracticeinsurance.com.

BY MARK TAYLOR
POST-TRIBUNE CORRESPONDENT

Friday’s $300,000 jury verdict in the first medical malpractice lawsuit to go to trial against ear, nose and throat specialist Dr. Mark Weinberger was not huge by Indiana standards.

The maximum allowable payout under Indiana’s malpractice statute is $1.25 million, so the award to plaintiff William Boyer was far below that limit.

However, Boyer, a 58-year-old Gary heavy equipment operator, had no permanent injuries from the unnecessary surgery Weinberger performed on him, so some attending the weeklong trial in Lake Superior Court in Hammond expected a smaller verdict.

What is consequential is that Weinberger faces another 357 medical malpractice lawsuits. Most of those cases involve allegations of unnecessary surgery, needed surgery that was not performed or surgery that was poorly performed. At least 20 of those cases have already received opinions of medical malpractice from three-doctor medical review panels, a key step in the state’s medical malpractice process.

That could mean that if all of the claims against Weinberger go to trial and result in similar verdicts — an unlikely scenario because most cases will either be settled or dismissed before going to trial — the fund could face liability of nearly $90 million.

In 2009, the fund paid a total of 150 malpractice claims for $108,438,141, down slightly from 2008, when it paid 154 claims for $109,809,087.

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September 2, 2010

Suit challenges cap on pain and suffering Lower court’s decision cuts award for plaintiff in half, negates wife’s share

Side note: Medical malpractice reform law in the state of West Virginia is being tested in a closely watched case. A man who was treated in the City Hospital in the Eastern Panhandle claims that the drugs he was prescribed interacted with the medication that he was already taking to cause a condition called rhabdomyolysis, which causes a severe loss of muscle mass. Lawyers for the man claim that he is a “shadow of his former self” and are challenging the $500,000 dollar cap placed pain and suffering in the state of West Virginia. As we’ve seen in other states such as Illinois and Georgia, the laws governing medical malpractice insurance reform can be severely altered by the courts. West Virginia can be a tricky place for doctors to obtain medical malpractice insurance because most insurance brokers don’t have access to every insurer. This is why West Virginia physicians have turned to http://MyMedicalMalpracticeInsurance.com for all their insurance needs. Want to lower your premium? Get a free, no obligation medical malpractice liability quote now.

by Ry Rivard
Daily Mail

CHARLESTON, W.Va. — The state Supreme Court will hear a case challenging a key portion of the state’s painstakingly crafted medical malpractice reforms.

An Eastern Panhandle couple is challenging the Legislature’s $500,000 cap on damages for pain and suffering in malpractice suits.

The Legislature set the cap in 2003 to deal with what insurance companies said were the ballooning size of medical malpractice judgments and the fear of doctor flight.

The appeal, which the Supreme Court is supposed to hear arguments for early next year, is the most serious challenge of the West Virginia Medical Professional Liability Act. The case is set to draw the attention of a host of interest groups, including the American Medical Association, the Chamber of Commerce, AARP and trial lawyers.

In fall 2004, James MacDonald, 56, was admitted to City Hospital in the Eastern Panhandle for pneumonia. MacDonald was taking other medications because of a kidney transplant and other chronic conditions. The combination of those medications and new ones caused a condition called rhabdomyolysis that caused MacDonald’s muscles to waste away.

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Cincinnati Bengals criticized for medical handling of Rashad Jeanty, could result in a med-mal case

Side note: Even the NFL is not immune to the threat of medical malpractice. Recently linebacker Rashad Jeanty was cut by the Cincinnati Bengals because he was not able to pass his physical. Jeanty’s agent claims that the reason his player is unable to pass his physical is do to a lingering condition stemming from a misdiagnosis of an injury sustained in last years play-off game. He claims that the injury has greatly diminished Jeantry’s value as a free agent and that a medical malpractice lawsuit against the Bengals is not out of the question. Of course we at the nation’s top med-mal insurance site for physicians does not know the details of this case…..but we do know that we live in an extreme litigious climate, and since jury’s have a tendency to vote out of emotion rather then fact (personal experience on being on a medical malpractice insurance case years before I joined this company), lawyers have a tendency to want to try these types of cases more then others. A few of us on the jury did agree that if there were strict penalties for lawyers who tried frivolous cases, then not only would our courts be freed up to deal with more important cases, but that would also lead to lower medical malpractice insurance costs, which would then lead to lower percentages of physicians practicing defensive medicine….which would then lead to lower healthcare costs. I know that’s a mouthful…..but during deliberation, we spoke about how easy the fix seems to be. Unfortunately, our government moves at a snail’s pace, and nothing ever seems to get accomplished. If you are looking to lower your costs during these economic times, get a free medical malpractice insurance quote for us, we not only will save you money, but we’ll show you what a knowledgeable agent can do for you.

Posted by Gregg Rosenthal
It’s been a rough week for the Bengals medical staff.

One day after the team had to admit a very expensive mistake with Antonio Bryant, the agent for deposed linebacker Rashad Jeanty sharply criticized how the team handled his client this off-season.

Jeanty fractured his fibula in the playoffs last year, and the team initially told him he didn’t need surgery. When Jeanty visited Miami as a restricted free agent, the Dolphins told him he would need major surgery on his ankle to stabilize his leg, according to Joe Reedy of the Cincinnati Enquirer.

The Dolphins lost interest, and Jeanty underwent the surgery shortly thereafter. On Monday, the Bengals waived Jeanty for failing a physical.

“It’s tremendously disappointing on the way this has been handled,” his agent David Canter told Reedy. “We don’t see how the Cincinnati Bengals can do this without any inclination that this was even a possibility.

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L.A. County supervisors want to see doctors’ peer review documents from hospitals

side note: Los Angeles County supervisors are requesting to see confidential medical records to determine if county doctors are performing up to acceptable standards. The request comes after a string of high-profile medical malpractice lawsuits cost L.A. county millions of dollars.
This move, by the L.A. county supervisors, has doctors and health care workers up in arms. The reports, in question, are meant to be confidential and are used by hospital administrations to evaluate the performance of staff doctors. Doctors fear that if these records become public it will create a precedence that will cause doctors to stop reporting mistakes out of fear of being named in medical malpractice lawsuits. The medical community believes that this failure to admit wrong-doing will actually cause the number of medical malpractice cases to increase. Visit mymedicalmalpracticeinsurance.com to see how the rash of medical malpractice lawsuits has affected the medical malpractice insurance rates in California. We think that all doctors in the state of California should request a free, no obligation quote from MyMedicalMalpracticeInsurance.com. We have access to every insurer so we can get you quotes for everyone…….the more insurance companies competing for your business, the lower the cost for you. Learn why we have become the number one website for physicians and doctors looking to lower the cost of their medical malpractice insurance.

By Molly Hennessy-Fiske
Los Angeles Times
They cite patient safety and malpractice claims. Hospital administrators are opposed.

In a fight that could have wide-ranging implications, Los Angeles County supervisors are pushing to see confidential medical records used by county doctors to evaluate their peers to determine whether they have met accepted standards of care, saying they need the information to ensure patient safety and justify settling malpractice claims against the county.

Access to such information emerged as an issue earlier this year after concerns were raised about peer review at Olive View- UCLA Medical Center. An anonymous letter to state regulators alleged that among other problems at the county hospital’s neonatal intensive care unit, doctors and staff were not meeting to discuss medical mistakes and that peer review was “missing.”

In May, Supervisors Michael D. Antonovich and Gloria Molina sent a letter to John Schunhoff, interim chief of the county’s Department of Health Services, requesting access to relevant peer review records at Olive View. They cited county counsel’s advice that they had authority to review the documents “for the purposes of monitoring and oversight.”

Soon after, hospital officials made peer review documents for the last year for the neonatal unit available to supervisors’ deputies. Antonovich’s health deputy, Fred Leaf, said they were satisfied that peer review was being conducted and gave officials more time to comply with a request to see a list of all peer-reviewed cases at the hospital over the last two years.

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Kankakee County: Medical malpractice ruling stirs discord

side note: The unpopular reversal of the Illinois medical malpractice reform law has become a hot topic in the upcoming, Nov. 2, Supreme Court retention elections. The Illinois Lawsuit Abuse Watch has parked a billboard truck in front Kankakee County Courthouse proclaiming the slogan “Good Judges Matter.” This display of dissatisfaction about the courts recent ruling on the medical malpractice reform has not escaped the notice of Thomas Kilbride, an Illinois Supreme Court Justice who was raised in Kankakee. Visit http://www.mymedicalmalpracticeinsurance.com to see how the Illinois Supreme Courts ruling has affected medical malpractice insurance rates in Illinois.

By Robert Themer
Daily-Journal.com

Parked in front of the Kankakee County Courthouse Wednesday afternoon, the narrow “billboard truck” of the Illinois Lawsuit Abuse Watch proclaimed “Good Judges Matter.”

Further, and likely a first, it urged voters: “On Nov. 2, don’t forget to vote in the Supreme Court retention elections.”

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Differ On How To Improve Access To Medical Services

side note: Hospitals in Hawaii are facing delays in Medicaid reimbursements due to the state’s $86 million dollar budget shortfall. The budget deficit has become a hot topic in the democratic primary for governor. Former mayor of Honolulu, Mufi Hannemann says that if elected he would mandate an audit of all federal spending. He vows to never touch Medicaid reimbursement monies and blames budget shortfalls on corruption and careless spending in government. His opponent, former U.S. Rep. Neil Abercrombie, rebukes Hannemann’s claims and states that an audit is unnecessary. Abercrombie also addresses the concern over the high number of doctors and physicians who are retiring early or leaving the state because of the high cost of medical malpractice insurance. Abercrombie proposes using federal funding to provide medical malpractice insurance to doctors who treat Medicare and Medicaid patients as a way to stem the exodus of health professionals by lowering the cost of medical malpractice insurance. For a quick and free quote on medical malpractice insurance in Hawaii visit mymedicalmalpracticeinsurance.com.

Denby Fawcett
KITV 4 News Reporter

HONOLULU — Hawaii is facing the same health care problems sweeping the rest of the United States.

Federal dollars for medical care are shrinking when more people are seeking medical services.

Hawaii hospitals and other private care providers face delays in their Medicaid reimbursements this year due to the state’s $86 million shortfall.

Hawaii’s two front runners in the democratic primary for governor, former U.S. Rep. Neil Abercrombie and former Honolulu Mayor Mufi Hannemann were asked at a forum Wednesday what they would do to stop the state’s continuing Medicaid shortfalls.

Hannemann said if elected governor, he would never raid Medicaid funds to fund other budget shortfalls.

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Medical malpractice debated while doctor shortage continues in N.J.

Side note: Doctors and key medical groups in New Jersey say the time for medical malpractice reform is now. They blame the state’s shortage of doctors on out of control medical malpractice litigation. Proponents of reform claim that the state’s current malpractice laws leave one of the state’s largest employers, the pharmaceutical companies, in jeopardy of litigation. They also blame the liberal laws for driving the medical malpractice insurance premiums for doctors’ sky high. All physicians are encouraged to request a free medical malpractice insurance quote. We have the lowest prices available nationwide, you can switch anytime! Current medical malpractice rates for New Jersey can be found at mymedicalmalpracticeinsurance.com.

New Jersey News Room
Thursday, 12 August 2010

With New Jersey facing a worsening shortage of physicians, key medical and business groups say it’s time for the Legislature and Gov. Christie’s to take action on medical malpractice reform.

Proponents of reform, such as the New Jersey Lawsuit Reform Alliance and the New Jersey Hospital Association, are stepping up their lobbying, according to an article at NJSpotlight.com. They blame the current laws with for skyrocketing malpractice insurance premiums, forcing doctors out of the state. And they claim that New Jersey’s largest employer, pharmaceutical companies, are plagued because they are often named in malpractice lawsuits filed in the state.

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September 1, 2010

ProAssurance to Acquire American Physicians Service Group

side note: Similar to soft markets of years past, a consolidation is occuring in the medical professional liability insurance industry. Just a few weeks ago, The Doctors Company purchased American Physicians Capital (APCapital) and now ProAssurance is gobbling American Physicians Service Group. Is this a ghood thing for the industry?

ProAssurance Corp., headquartered in Birmingham, Ala., and Austin, Texas-based American Physicians Service Group Inc. (APS) announced that ProAssurance plans to acquire all the outstanding shares of APS in an all-cash transaction for $32.50 per share. The transaction is expected to close by year-end.

ProAssurance Chairman and Chief Executive Officer W. Stancil Starnes said the acquisition gives ProAssurance a strong market presence in the medical professional liability insurance market in Texas where APS is the second largest writer.

Starnes added that, “APS’ growth in Oklahoma and Arkansas complements our long-term commitment to those two markets. Financially, we anticipate this transaction will be accretive to our 2011 earnings, before one-time transaction and any restructuring costs.”

APS’ board of directors unanimously approved the merger and resolved to recommend that APS shareholders vote in favor of the transaction. The transaction is subject to customary conditions, including regulatory and APS’ shareholder approval. There is no financing condition to consummate the transaction. Shareholder approval is not required for ProAssurance.

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August 31, 2010

Even with malpractice insurance, doctors opt for expensive, defensive medicine

side note: This is unfortunately all too common among doctors in our country. I’d say most, if not all people who want to end up in medicine get in for the right reasons: they want to help people. We live in a world however that is filled with lawsuits and lawyers….that will for the most part, take on any case, even if they themselves believe it’s without merit. This leads to the 83% of frivolous lawsuits that are put through our legal system each year. We are at a crossroads in regards to our health care……the costs are spiraling out of control, and one of the first steps we can take is to help protect our physicians, doctors and other healthcare professionals from unfair lawsuits. This leads the doctors to perform unnecessary tests….etc, which leads to more expensive healthcare costs…..and when you start doing this to most people…..the costs are staggering! Defensive Medicine…or CYA medicine (Cover Your Ass) needs to be addressed! If it is….then other things such as frivolous lawsuits will start to decline…along with healthcare costs. That will lead to lower medical malpractice insurance costs for doctors.

By Manoj Jain
Special to The Washington Post

Doctor learns that a medical malpractice claim is being filed against him.  Will this raise the cost of his medical malpractice insurance? Will this cause him to practice defensive medicine?Some months ago, the receptionist in my clinic handed me a registered letter. The name of the sender seemed familiar. “Dear Sir,” the letter read. “Please be advised that this letter serves as official notice that I am considering a potential claim against you in a medical Malpractice claim in regard to my husband. . . .” I stood, stunned. My white coat, which held the daily tools of my profession — my list of patients, the Sanford antibiotic manual, a black stethoscope — felt extraordinarily heavy.

While my receptionist and staff made themselves busy and waited for my reaction, I struggled to recall the patient, so many patients ago . . . and my alleged misdeed. I checked the administrative data, which showed that the man had died about a year before. Had I missed a lab test among the hundreds that I order each week? Had I failed to read a blood culture report? Had some error of mine resulted in his death?

I generally think of myself as a confident and conscientious practitioner, but my pulse was racing and my palms were moist as I reviewed the patient’s hospital chart that afternoon. He had been a man in his late 60s with a bacterial infection in his lungs. I checked the reports on all the cultures I had ordered: blood, urine, sputum. Then I checked the antibiotics I had prescribed. There was no mismatch; he had been on appropriate treatment. I asked another doctor to double-check me.

Had I been negligent? No.

I was relieved — but still accused. More important, the letter made me reflect on the paradoxes of our medical malpractice system.

Most malpractice suits turn out to be against doctors who were not at fault. Of every 100 malpractice claims filed, only 17 appeared to involve a negligent injury, such as a medication overdose resulting in death, according to a 2004 New England Journal of Medicine review.

This means that patients and lawyers appear to be suing the doctors and hospitals for non-negligent injury 83 percent of the time.

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The Cost of Medical Errors

side note: it’s staggering to see the annual total cost — in dollars and lives — of preventable medical errors.

The Society of Actuaries performed a study on the frequency and cost of medical errors in 2008.

A study sponsored by the Society of Actuaries revealed that medical errors cost Americans $19.5 billion in 2008. The total cost per error was found to be roughly $13,000. Malpractice costs and insurance payments were not measured.

The toll on patients did not end with cost, however; the study revealed more than 2,500 avoidable deaths were caused by errors. In addition, findings showed that approximately seven percent of inpatient admissions result in some form of medical injury. Of the 6.3 million measurable medical injuries in 2008, 1.5 million were caused by a medical error.

story continues

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