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HealthCare Professionals' Insurance Services (HCP) - d.b.a. of R.W. Mortimer & Associates Insurance Agents & Brokers, Inc. Offers medical malpractice insurance for physicians and surgeons.
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Doctors' Company, The - physician-owned professional liability insurer offering information on medical malpractice insurance and risk management for physicians and healthcare facilities. Ophthalmic Mutual Insurance Company (OMIC) - provides professional liability insurance exclusively for the ophthalmology profession. Nurses Service Organization - provider of professional liability insurance coverage for nurses. APA-Endorsed Professional Liability Insurance Program - specializes in coverages designed specifically for psychiatrists and other behavioral healthcare professionals. FPIC Insurance Group@ (Nasdaq: FPIC ) MAG Mutual Insurance Company - offers professional liability insurance, specializing in risk management and malpractice education for physicians, hospitals, and healthcare facilities. MIIX Group (2) (NYSE: MHU ) Physicians Reciprocal Insurers - PRI is funded and directed by physicians for physicians offering both claims-made and occurrence forms of insurance coverage. Mutual Insurance Corporation Of America (MICOA) - specializing in medical liability and malpractice, workers' compensation and personal/commercial insurance lines.
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American Professional Agency - specializes in professional liability insurance for the mental health industry.
APA-Endorsed Professional Liability Insurance Program - specializes in coverages designed specifically for psychiatrists and other behavioral healthcare professionals.
CNA HealthPro - risk management service provider and underwriter assisting healthcare systems, managed care organizations, medical practitioners, and technology companies.
Copic Insurance Company - provides professional liability insurance to Colorado physicians, hospitals, and medical entities.
Doctors' Company, The - physician-owned professional liability insurer offering information on medical malpractice insurance and risk management for physicians and healthcare facilities.
Dr-Med-Mal.com - specializes in medical malpractice insurance.
Eastern Dentists Insurance Company (EDIC) - professional and general liability malpractice insurance for dentists in New England.
FPIC Insurance Group@ (Nasdaq: FPIC )
Frontier Insurance Group, Inc. - specialty insurance products serving the needs of insureds in niche markets.
HealthCare Professionals' Insurance Services (HCP) [SPONSOR] - d.b.a. of R.W. Mortimer & Associates Insurance Agents & Brokers, Inc. Offers medical malpractice insurance for physicians and surgeons.
Healthcare Providers Service Organization - providing professional liability insurance coverage for healthcare providers and their employees.
Louisiana Medical Mutual Insurance Company - offers risk management and insurance for healthcare practitioners.
MAG Mutual Insurance Company - offers professional liability insurance, specializing in risk management and malpractice education for physicians, hospitals, and healthcare facilities.
Medical Assurance Company of Mississippi - provides medical malpractice, hospital professional and general liability, and managed care liability coverages for health care providers.
Medical Assurance, Inc. - provider of medical professional liability insurance for physicians, hospitals, and dentists.
Medical Insurance Exchange of California - offers professional liability insurance and related services to health care providers and entities throughout the Pacific region.
Medical Liability Mutual Insurance Company - a physician-owned and operated company that provides liability insurance to New York physicians, dentists, hospitals and managed care organizations.
Medical Mutual Group - offering insurance for healthcare professionals and organizations, risk management information and seminars, medical informatics and training, and credentialing and verification.
Medical Mutual Insurance Company of Maine - a physician owned and operated company that provides Maine, New Hampshire and Vermont with professional liability insurance for the health care community.
Medical Protective Company - provider of medical malpractice insurance, liability coverage, and continuing medical education for health care professionals.
Medmal 4 Nurses.com - offers medical malpractice and professional liability insurance for nurses through the Wood Insurance Group.
MedMalTree.net - directory of underwriters, brokers, reinsurers, actuaries, risk managers, and more.
Michigan Physicians Mutual Liability Company - medical liability for physicians, physician organizations and health care facilities.
MIIX Group (2) (NYSE: MHU )
Mutual Insurance Company of Arizona - provides insurance, financial, and related products and service to health care professionals and the healthcare industry in Arizona.
Mutual Insurance Corporation Of America (MICOA) - specializing in medical liability and malpractice, workers' compensation and personal/commercial insurance lines.
National Chiropractic Mutual Insurance Company - provider of Chiropractic professional liability insurance and business financing.
NCRIC Group, Inc. (Nasdaq: NCRI ) - medical and dental professional liability insurance, practice management and financial services, employee benefit plan design, and other lines of insurance.
Nurses Service Organization - provider of professional liability insurance coverage for nurses.
OHIC Insurance Company - professional liability insurance and services.
Ophthalmic Mutual Insurance Company (OMIC) - provides professional liability insurance exclusively for the ophthalmology profession.
Pennsylvania Medical Society Liability Insurance Company - a professional liability insurance carrier specializing in medical malpractice insurance.
Physicians Reciprocal Insurers - PRI is funded and directed by physicians for physicians offering both claims-made and occurrence forms of insurance coverage.
Professional Benefit Specialists, Inc - providing insurance for hard-to-cover physicians.
Professional Risk Associates - specializing in liability insurance for physicians and health care providers in Virginia, Maryland, North Carolina, West Virginia, Pennsylvania, and Washington, D.C.
ProMutual Group - liability insurance for health care professionals.
Rockport Insurance Associates - offers a professional liability program for mental health practitioners.
SCPIE Online - liability insurers for physicians and other healthcare providers.
State Volunteer Mutual - physician's malpractice litigation insuror.
Stratton, Cheeseman & Walsh, Inc. - specializes in insurance products for physicians.
Surgeons Group - offers medical malpractice and professional liability insurance services to surgeons.
Sutton, Richard N. - radiology legal consultation, case evaluation, and expert witness services.
Texas Medical Liability Trust - medical malpractice, business owners, managed care insurance for Texas physicians.
Unimed - provider of liability coverage services for physicians.
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Practical Info & 'News' about Medical Malpractice, Litigation, Standards of Care, Using Expert Medical Consultants & Witnesses, other Med/Law issues...
Lawyers are just like physicians: what one says, the other contradicts. - Sholem Aleichem
Practical Litigation Info
What is a Strong Malpractice Case?
Special Medical Malpractice Statutes
Evaluating the Medical Malpractice Client
Chosing Proper Medical Malpractice Defendants
Initial Malpractice Case Review by Medical Experts
Errors to Avoid when Handling Medical Malpractice Cases
Some Tips to ease using Medical Experts
Direct Exam of Medical Experts - Checklist
Compensating the Medical Malpractice Expert
Choosing & Using Pathologists as Expert Witnesses
Preparing the Plaintiff's Medical Expert Witness for Trial
Determining Injured Plaintiff's Economic & Financial Losses
Determining Potential Defendant Liability in Large Class-Actions
Using Physician Assistants as Expert Consultants & Witnesses
Establishing Medical Standard of Care & Breach Without Experts
Medical Experts & Establishing Standards of Care in Malpractice Cases
Start Preparing for the coming "Wellness" Industry Litigation Tidal-Wave
Lawyers Beware! - Your Client's Personality Disorder can Destroy your Case
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FIRST, KILL ALL THE EXPERTS , Proposed Solution to Serious Problems re Medical Experts
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Q: Before signing the death certificate had you taken the man's pulse? -- A: No.
Q: Did you listen for a heart beat? -- A: No.
Q: Did you check for breathing? -- A: No.
Q: So when you signed the death certificate you hadn't taken any steps to make sure the man was dead, had you?
A: Well, let me put it this way. The man's brain was sitting in a jar on my desk, but for all I know he could be out
there practicing law somewhere. - Cross of Coroner by Defense Atty
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Hepatitis C - A Silent Epidemic
Dialyzer Reactions
Only Pink Eye?
Plastic Surgery
Rheumatoid Arthritis & Medication
The Practice of Emergency Medicine
Emergency Medicine's 11 Commandments
Snoring & Sleep Apnea - Missing the Warning Signs
Common Negligence Issues In Cardiology
Pulmonary & Critical Care Medicine
Cardiovascular & Vascular Surgery
Acute Cardiac Ischemia Diagnosis
Radiation Oncology
The Gynecologic Oncologist
Medical Malpractice, Cancer & the Oncologist
Mammography & the Diagnosis of Breast Cancer
Cancer Growth - Medical & Malpractice Implications
Managed Care, Cancer & Mohs Micrographic Surgery
Failed Back Surgery Syndrome (FBSS)
Facts about Steffe Plate Spinal Litigation
Trauma & Temporomandibular Injury (TMJ)
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Respiratory Distress in the Newborn
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Placental Pathologist's Role Re Birth Problems
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Q: Do you recall approximately the time that you examined that body of Mr. Edington at the Rose Chapel?
A: It was in the evening. The autopsy started about 8:30 p.m.
Q: And Mr. Edington was dead at the time, is that correct?
A: No, you idiot, he was sitting on the table wondering why I was doing an autopsy! - True Court Quote
'Lectric Law & Medicine News
APPLETON, WI. (UPI '97) - Nadean Cool, 44, has sued her psychiatrist for malpractice in a suit alleging that Dr. Kenneth Olson convinced her that she had 120 personalities, then billed her insurance company for group therapy . Her insurance carrier, after adding up bills it paid for her psychiatric care -- about $300,000 -- has joined the suit. Ms Cool claims that Olson said her 120 personalities included a duck and angels. Thankfully, it appears no one is alleging Cool is mentally healthy.
MIAMI, Fl. (Press-Telegram '95) - A diabetic patient woke up after an operation to find that the surgeon had mistakenly cut off a foot and one toe. The Fl. State Board of Medicine reduced a state hearing officer's recommended stiff sentence, and fined Dr. Rolando Sanchez $10,000 and suspended his practice for six months instead. I'm not saying what he did wasn't wrong, board member Dr. Edward Dauer said, but doctors are not God, and hospitals are not heaven.
NEW YORK, NY. (AP '96) - Rajeswari Ayyappan, 59, checked-in the Memorial Sloan-Kettering Cancer Center for brain surgery. Medical personnel performed the operation flawlessly... but on the wrong side of his brain. Chief of Neurosurgery, Dr. Ehud Arbit, has been relieved of his duties.
LONDON, England. (Daily Telegraph '96) - Cancer patient Cyril Smith, 59, gave up his job in 1993 when doctors said he had three months to live. Now Smith, who since giving up his well-paying job has only averaged 48 pounds ($72) a week, is suing the doctors for loss of earnings because he outlived their predictions. I'm not suing the hospital for thousands of pounds. I just want compensation for their mistake, for the last three years when I could have earned a living to support my family. I want the hospital to apologize, Smith said.
It's astonishing. People sue for anything these days, absolutely anything, said a British Med. Assn. spokesman.
ALBANY, NY. (AP '97) New York Attorney General Dennis Vacco said that the state was being sued for $10 million by Francis Hugh Smith, a convicted burglar, claiming that poor medical care was the cause for his amnesia that made him leave his work release job and forget to return to prison.
NORFOLK, Va. (AP '96) - Thomas Passmore, 32, was working at a construction site when he thought he saw '666', a demonic sign, on his hand. So, recalling the Bible's instruction, If thy right hand offend thee, cut it off, he did... with a circular saw. Doctors at Sentara Norfolk General Hosp. wanted to re-attach the hand, but Passmore refused, believing that he would go to hell if he agreed. The doctors contacted a judge, who advised them to follow Passmore's wish and not re-attach his hand.
Now Passmore is suing both the hospital and the doctors, claiming the hospital should have contacted his parents or sister to overrule the judge's decision and that the hospital didn't tell the judge that he was incompetent.
HARARE, Zimbabwe. (Reuters '96) - A Zimbabwe man was arrested for having sex with a cow. He claimed he was afraid of contacting AIDS from a human partner, so he developed a special, monogamous relationship with the animal. During his court appearance, he expressed his deep affection and love for the cow, recited marriage vows and promised to be faithful while serving his nine month jail sentence.
PITTSBURGH, Pa. (Tribune-Review '97) - An Indiana County man shot himself in the mouth after he mistook a .22 caliber gun for a medicine inhaler. Daniel Sutherland, 49, kept both the inhaler and gun in the same drawer and accidentally shot himself just before 2 a.m. He was airlifted to Presbyterian Univ. Hospital in Pittsburgh where he was listed in fair condition. The .22 caliber bullet did not exit his head.
ANKARA, Turkey. (AFP '97) - A 52-year-old Turkish man was shot in the leg over his attempts to have a penis transplant from a donkey . On two previous occasions Mehmet Esirgen, 52, purchased donkeys, amputated their sexual organs and appealed in vain to doctors to perform a transplant in order to cure his sexual impotence. His family, opposed to the plan, became hysterical when he purchased a third donkey on his way home from Ankara and one of his sons shot him. For a long time now I have had sexual problems and I have spent all my pension funds to overcome them, said Esirgen. He plans to buy a fourth donkey as soon as he recovers from his wound.
SANTA BARBARA, Ca. (AP '96) - A woman, claiming emotional distress, sued her veterinarian for $1 million in damages for breaking the back of her pet iguana.
GOA, India. (Reuters '96) - More than 600 scientists from 17 nations, many of whom drink their own urine and use it for body massage, gathered in western India for the First World Conference on Auto-Urine Therapy to present research showing human urine's healing powers and its effectiveness against cancer, hepatitis B, influenza and diabetes. Several doctors had data showing that urine therapy can ease the painful symptoms of AIDS.
Many patients on auto-urine therapy recover from serious illness, said Dr. Shigeyuri Arai of Japan. His study of 1,752 people who practiced urine therapy found that 60 percent - and 73 percent of cancer patients - reported that their symptoms disappeared. Yes, urine can cure cancer, agreed Dr. Ming Liau, while Dr. Ryoichi Nakao said that about 200,000 Japanese, and perhaps 5 million Germans, gargle their own urine. The Conference attendees, though puzzled as to the reason, generally agreed that some doctors are skeptical and don't even offer their patients urine therapy, despite all the evidence.
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Most people are 5 miles or less from home when they crash.
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Minnesota reins in use of credit scores by insurers
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Missouri home insurance rates leapfrog ahead
A slew of storms has thrown home insurers for a loop.
Louisiana coaxes back to home insurance bargaining table
The governor gets involved to put negotiations back on track.
Kentucky disaster teams mobilize in wake of violent hailstorm
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American Chambers Life Insurance Co. sued for misuse of funds
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New Jersey docs sue five top HMOs for flouting state's prompt-pay law
Doctors say that faceless bureaucrats are making critical care decisions based solely on dollars.
New Jersey OKs new business plan for state's largest medical malpractice insurer
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Las Vegas health care professionals stream into the lobby of the Sawyer Building on Monday. Photo by Clint Karlsen .
Dr. Bernadine Hanna joins hundreds of protesting medical professionals. Photo by Clint Karlsen .
Las Vegans Tim Beal and Lisa DeCarlo show support for Southern Nevada physicians Monday at the Sawyer Building. Photo by Clint Karlsen .
From left to right, Drs. Robert McBeath, John Nowins and Ikram Kahn are sworn in prior to testifying at the Nevada State Insurance Division's medical malpractice hearing Monday morning. Witness after witness testified at the hearing that skyrocketing malpractice rates are prompting some doctors to retire early, double their patient load, cut services or quit. Photo by Clint Karlsen .
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Medical staffs answer call to protest
Tuesday, March 05, 2002
Copyright © Las Vegas Review-Journal
MALPRACTICE INSURANCE: Hundreds crowd medical hearing
Doctors, lawyers, insurance company officials plead cases
By JOELLE BABULA
REVIEW-JOURNAL
Hundreds of Las Vegas doctors attended a medical malpractice hearing Monday, the outcome of which could help determine whether many of them remain open or shut down their practices. Area doctors, lawyers and insurance officials packed three rooms at the Sawyer Building, and hundreds of others filled the foyer outside, hoping seats would become available.
Gov. Kenny Guinn called for the hearing to address what many health officials are describing as a medical crisis in Southern Nevada. Many area doctors say soaring rate increases in medical malpractice insurance, some to $200,000 annually from $40,000, are forcing them to close their practices, retire early or double their patient load.
"Yes, there is an unavailability of (malpractice) insurance," said State Insurance Commissioner Alice Molasky-Arman. Her comments came after the hearing, which featured seven hours of testimony from nearly 50 people representing various sides of the issue.
Officials with the 15 medical malpractice insurance carriers licensed in the state said they were either pulling out of Nevada completely or using "extreme caution" when underwriting new doctors.
Some officials said they would no longer insure any new obstetricians, surgeons, emergency room physicians and other high-risk specialties. Others said they would be willing to look at underwriting new doctors in all specialties, but that they would be very particular about who they would insure.
"I'm just not getting this warm, fuzzy feeling that there's this big appetite to underwrite doctors in Nevada," said Cliff King, chief insurance examiner for the state.
More than 80 members of the public did not get a chance to speak. Because so many people were unable to testify, Molasky-Arman set a March 11 deadline for written testimony to be submitted to her office. She promised to propose a remedy by April 10.
Oral testimony during the hearing included comments from doctors, lawyers, insurance company representatives and members of the Division of Insurance.
Doctors presented a bleak picture of their profession.
"Since November, OB/GYNs have been quitting at a rate of one doctor per month because of excessive malpractice rates," testified Dr. John Nowins, president of the Clark County OB/GYN Society. "We had 140 OB/GYNs. Based on our population of 1.5 million in Southern Nevada, we cannot expect to adequately serve the health care needs of women in our community. Who is going to deliver the babies of Southern Nevada?"
Nowins also stressed the four obstetricians who already have stopped practicing in Nevada are just the beginning of what could be a mass exodus of physicians. The majority of the valley's doctors will not face increases until their current contracts expire this summer.
Although Molasky-Arman did not specify what kind of solution she envisions, she emphasized that she would like doctors to come forward and submit an application to create their own medical malpractice insurance company.
"If someone wants to come to me with an application for an insurance company, that would be ideal," she said after the hearing. "I have heard there are people putting together an insurance company, but they have not approached me. They better approach me rapidly."
Nevada doctors formed their own mutual insurance company in the 1970s, but it eventually was bought out by the St. Paul Insurance Cos. St. Paul insured 60 percent of Clark County doctors until it pulled out of the medical malpractice insurance market in December, citing an increase in jury awards to malpractice plaintiffs as the reason.
According to St. Paul spokeswoman Andrea Wood, for every premium dollar the company received from Nevada, it paid $2 in litigation fees.
In a survey issued by the Division of Insurance, many medical malpractice insurance officials said the leading cause of costly claims is noneconomic damages awarded by juries. Officials also said attorney fees and frivolous claims added to their costs.
Many area doctors and insurance officials are clamoring for tort reform similar to California's, where there is a $250,000 cap on jury awards for pain and suffering. Tort reform was not discussed in detail at the hearing, however, because it would take new legislation to implement and is out of the scope of Molasky-Arman's capabilities.
Although doctors and insurance company officials blame jury awards and frivolous lawsuits for skyrocketing malpractice rates, attorneys point the finger at poor management and underwriting skills by St. Paul.
"We're here today to dispel the rumor and myth that the cause is frivolous lawsuits," said attorney Bill Bradley, representing the Nevada Trial Lawyers Association. "We're here now because of the overaggressive tactics of St. Paul."
Bradley said St. Paul artificially kept prices low to lure most of the market share and also agreed to insure bad doctors.
"They waived the underwriting and insured everyone and anyone," Bradley said. "They left good physicians with high rates. We strongly support strict underwriting."
During the next 30 days, Molasky-Arman will review testimony and decide what kind of action to take to help solve the medical malpractice crisis. Solutions might include forming a joint underwriting association with the state, forming a doctors' mutual insurance company or appealing to existing insurance companies to prepare new plans, King said.
The commissioner also could look into changing the role of the state's medical-dental screening panel. Currently, all medical malpractice cases must be presented to the panel prior to being filed in District Court. However, because the panel comprises three volunteer doctors and three volunteer lawyers, it can be difficult to schedule screening time. Currently, there is a backlog of 138 cases in Las Vegas, King said.
King suggested during the hearing that a full-time screening panel of retired doctors and lawyers could be hired to help speed up the process.
Although all medical malpractice cases must be heard by the panel, cases can still go to trial no matter what the panel finds. Even if all six panelists decide there is no probability for malpractice, the plaintiff can still proceed to a jury trial.
"I recommend that the findings of the panel be admissible in court," King said.
At the end of the hearing, Molasky-Arman talked about the importance of the issue to all Southern Nevadans.
"This touches the lives of every one of us," she said. "This affects the availability of doctors in our health plans, and if we can place some controls over the situation, we certainly will."
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