My Medical Malpractice Insurance

August 31, 2010

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

August 26, 2010

More victims of the Illinois Supreme Court decison

side note: The online physician profiles/report cards so popular with the Illinois patient populations are removed in response to state supreme court decision.

In years past, you chose a doctor or hospital based many times on, well, not all that much information. Reputation. A friend recommendation. Convenience.

It wasn’t easy to learn how that doctor or hospital stacked up against others in the state on many vital measures. Or if the provider had been sued or, in the case of doctors, jailed.

But that’s changing. The state has launched a powerful online hospital report card that helps prospective patients compare hospitals on how well they control infections and deliver quality care.

But what about doctors?

Until February, the state Department of Financial and Professional Regulation provided detailed online histories of the state’s doctors. Those profiles included sensitive and vital information: Has your doctor been convicted of a crime? Was he or she fired by a hospital or forced to make a medical malpractice payment in the last five years?

story continues

June 30, 2010

Vast Majority of Physicians Practice “Defensive Medicine” to Avoid Medical Malpractice Claims According to New Physician Survey

side note: Here is yet another study that indicates most doctors are practicing in fear of potential litigation.

A survey by Mount Sinai School of Medicine researchers has found that 91 percent of physicians believe concerns over malpractice lawsuits result in “defensive medicine,” ordering more tests and procedures than necessary as a protective measure. The study, which questioned 2,416 physicians, is published in the June 28 edition of Archives of Internal Medicine.

A majority of physicians, 90.7 percent, also believe that better protections against unwarranted malpractice suits are needed in order to decrease the ordering of unnecessary medical tests.

“About $60 billion is spent annually on defensive medicine and many physicians feel they are vulnerable to malpractice lawsuits even when they practice competently within the standard of care,” said Tara Bishop, MD, Associate, General Internal Medicine at Mount Sinai School of Medicine, and co-author of the study. “The study shows that an overwhelming majority of physicians support tort reform to decrease malpractice lawsuits and that unnecessary testing, a contributor to rising health care costs, will not decrease without it”

read rest of article

June 17, 2010

Tips to Reduce Risk and Liability Using Electronic Medical Records

side note: Here’s a great, quick read for all those physicians new to — or considering — electronic medical records.

According to the 2010 Healthcare Information and Management Systems Society (HIMSS) Analytics Report: Security of Patient Data, the number of healthcare organizations that reported a breach in data security increased by 6 percent in 2010, totaling 19 percent. As more healthcare organizations migrate to electronic medical records (EMRs), it’s important to take the proper steps to reduce risk and prevent medical liability suits.

Tips for maintaining secure and compliant EMRs include:

1. Collaboration. The most successful, secure medical healthcare record programs are the result of a collaborative process. In hospitals, it’s critical to include the chief security officer, chief financial officer, chief medical officer and medical records director to outline and define a comprehensive program that meets the needs of the entire organization and provides maximum security for patient files. Likewise, smaller healthcare organizations must include relevant senior staff members to develop and execute a successful program.

2. Digitize information. Digitizing healthcare records is the first step to ensure compliance with evolving industry regulations. By partnering with a vendor that provides secure document imaging and scanning services, physicians and clinicians will have real-time access to a patient’s entire medical history. Further, healthcare organizations will increase security through unique user identification to prevent unauthorized access and minimize risk of regulatory exposure, fines and penalties.
(more…)

June 9, 2010

Medical Professional Liability Insurance Execs: We Must Be Flexible Amid Health Reform

side note: This sounds like it was a fascinating seminar. I wish I had been in attendance.

Yes, The Obama Administration’s big victory healthcare reform has little, if any, direct impact on the medical professional liability industry. Specifically, the industry’s anti-trust exemption—once under attack—will remain intact. But what effect will adding 30 million new patients to the system do to liability projections?

National health reform will not have direct impacts on the business of medical professional liability insurance, but carriers should be ready to adapt to changing conditions caused by its ripples through the health sector, agreed a panel of insurance executives at the Oppenheimer CEO Summit.

The coming expansion of insurance coverage for a projected 30 million more Americans will hopefully lead to a shift from emergency-room care to physician offices for nonurgent medical events, ProAssurance President Vic Adamo said. While much is uncertain, that change coming is certain, he said.

“That’s seven Alabamas coming on line. That’s three New Jerseys. It’s massive,” he said.

The panel, “Medical Malpractice: What is the Current State of the Market for Medical Malpractice Insurance?,” included Adamo, FPIC Insurance Group Chief Executive Officer John R. Byers, Americans Physicians Service Group Chief Operating Officer Timothy L. LaFrey and American Physicians Capital Chief Financial Officer Frank Freund.

More physicians are moving to hospitals and large provider groups, Byers said. There may be more opportunities for insurers in providing coverage for those groups, Freund added.

“Being flexible and adaptive there is really the key,” Freund said.

Another significant issue for medical professional liability insurance writers is the future of tort reform amid challenging court rulings.
(more…)

June 4, 2010

Medical Malpractice Complaints on the Rise

side note: This is a dramatic rise that will likely be further investigated. I have read other articles that point to the fact that this may be in part because we have an increasingly unhealthy population that does require new ways of dealing with them. This will end up leading to an increase in medical malpractice insurance premiums for doctors unless this is addressed.

An increasing number of patients and their families are accusing healthcare workers of malpractice. The National Supervisory Authority for Welfare and Health (Valvira) says complaints have nearly doubled in the past ten years.
Valvira is responsible for investigating cases where patients were seriously injured or died after receiving treatment. Ten years ago, about 190 complaints were filed with the organisation. Last year, the number was close to 350.

One reason for the increase is patients and their families are more aware of their rights. Furthermore, an increasing number of patients who are in poor health are receiving more radical treatments and surgeries. Gaps in the healthcare system also have an effect.

”Many different organisations are treating patients. Some services are outsourced. There is becoming a clear need for more monitoring. In addition, staff are rushed and there are worker shortages. This has an effect on the number of complaints,” says Tarja Holi, the director of Valvira.

Holi adds that some sort of mistake is found in about one third of the complaints.

see original

May 11, 2010

Reporting surgical fires could improve patient safety in Ohio, experts say

side note: transparency and risk management have long been suggested as a means of lowering medical accidents. The Cleveland Clinic is correct. Accountability and a sharing of mistakes would go far in preventing future mistakes.

When fire breaks out and burns a patient during surgery in Pennsylvania, the hospital is required by law to report the incident to the state Patient Safety Authority.

If a similar surgical fire ignites in New York or California, the hospital must notify the state health departments there.

Read Remaining

And if the same thing happens in Ohio?

The hospital doesn’t have to tell any state agency.

That lack of reporting, experts say, hurts all of us.

That’s because getting the word out about medical errors keeps patients from being injured, cuts down on medical malpractice lawsuits and, in the end, reduces unnecessary health care costs.

“Medical error reporting, in general, helps change clinical practice for the better and helps improve patient safety,” said Mark Bruley, a researcher who has been publishing articles on the causes and prevention of surgical fires for more than 30 years.

On April 30, officials at the Cleveland Clinic confirmed that six fires had broken out in operating rooms in the 12-month period that ended in March.
Patients suffered “superficial burns” in three of the fires, they said. And no one was harmed in the other three.

May 7, 2010

www.PracticeDefense.com Aims to Protect Physicians and Healthcare Providers from Dubious Patients, Medical Malpractice Lawsuits

side note: I’m all for sane tort reforms that weed out frivolous lawsuits, but a service like this is beyond the pale. If the fear of lawsuits has reached a crescendo where it clouds a physicians ability to practice within the confines of their hippocratic oath, it might be time to get a teaching job.

PracticeDefense.com, the nation’s premiere patient background check website, is rapidly becoming the top online destination for physicians and healthcare providers in their plight to protect themselves from potentially problem patients. The website aims to identify patients who target physicians with malicious intent of suing for frivolous malpractice settlements or obtaining prescription drugs for resale or support of an addiction. Reviewed extensively by experts in HIPPA and HITEC laws, the easy-to-use site provides both civil and criminal background checks – exposing litigious patients, as well as leeches of prescription drugs.

“Think of PracticeDefense.com as the ratemds.com for physicians.”

Savvy physicians across the nation, particularly surgeons, are using the long-awaited website to probe patient backgrounds, in much the same way that patients scrutinize doctors online. Countless websites allow patients to view reports covering a physician’s education and training; specialties; board certification; and disciplinary actions. Now the tables have turned, according to PracticeDefense.com founder, Dr. Roddy Lochala, a respected family medicine practitioner.
(more…)

May 4, 2010

Medical Malpractice Suit Over Unsupervised Pain Medication

side note: Looks like this woman has a slam dunk medical malpractice insurance case. Monitoring of narcotics in a hospital setting is paramount. These are the kind of errors that contribute to the rising costs of professional medical liability insurance. I’m assuming med-mal insurance rates in Colorado are going to creep upwards when this trial ends. Click to see what doctors are currently paying for medical liability insurance in Colorado.

Denver Post
by Jessical Fender
DENVER — The first individual lawsuit stemming from the Hepatitis-C scandal at Rose Medical Center was filed Sunday in Denver District Court, The Denver Post reported.
Antoinette Fleisher had surgery at Rose on Jan. 22, 2009, and believes operating room technician Kristen Parker, an intravenous drug user with Hepatitis C, used the narcotic intended for her surgery and refilled the infected syringe with saline. Fleisher named both the Rose and anesthesiologist Shawn Roth for failing to follow hospital policies and controlled substance laws requiring such narcotics be locked up or closely monitored.

READ REMAINDER

April 8, 2010

Final Healthcare Reform Bill Signed into Law, Poses Little Impact on Medical Professional Liability Insurance Industry

Washington’s debate over healthcare reform came to an official close on March 25, when the U.S. House of Representatives voted 220-207 to pass legislation that made budgetary “fixes” to the Patient Protection & Affordable Care Act, the 2,409-page piece of healthcare reform legislation signed into law earlier that same week. This final legislation, debated under special rules designed to prevent a filibuster in the Senate, passed that chamber earlier in the day by a vote of 56-43.

There was nothing in the “fix-it” bill that directly affects medical professional liability insurers, although Sen. John Ensign of Nevada had attempted to add a medical liability provision during Senate debate. Specifically, the Ensign amendment would have granted immunity from medical liability lawsuits to anyone providing pro bono care to an individual who was indigent or uninsured, providing the healthcare provider had not committed gross negligence or acted outside the scope of his or her licensure. The amendment was defeated by a straight party line vote of 40-55.

Also missing from the final bill was any language that would repeal medical liability insurers’ longstanding exemption from federal antitrust laws.

Sen. Patrick Leahy of Vermont had once offered an amendment to the healthcare reform bill that would have voided the McCarran-Ferguson Act of 1945—which exempts the healthcare and medical liability insurance industries from federal antitrust laws that apply to most other industries. The amendment once had 18 cosponsors and successfully moved through the Senate Judiciary Committee.

What is in the final Patient Protection & Affordable Care Act is a weak provision that would provide $50 million for grants to states that want to launch “demonstration projects” to test medical tort reform.

According to the bill, individual states that get funds set aside for tort reform demonstration projects will be required to develop an alternative to current tort litigation that allows for the resolution of disputes over injuries allegedly caused by healthcare providers or healthcare organizations; and promotes a reduction of healthcare errors by encouraging the collection and analysis of patient safety data related to disputes by organizations that engage in efforts to improve patient safety and the quality of healthcare.

Critics of the “demonstration project” tort-reform provision in the healthcare bill point to its opt-out clause, which allows any plaintiff to opt out of a program he or she doesn’t like, and pursue his or her claims in state court.

“I am very pleased to report that the healthcare bill is clear of any provisions that would limit an injured patient’s rights concerning medical negligence claims,” crowed Anthony Tarricone, president of the American Association for Justice, the United States’ largest plaintiffs bar, in a letter to his membership. “While some states may embark on demonstration programs we find objectionable, the opt-out provision for plaintiffs minimizes this concern.”

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