NLIC.org

Virgil Said:

Which states have the best medical malpractice climate for doctors?

We Answered:

PA

Rachel Said:

Any frustrated medical doctors regarding malpractice insurance?

We Answered:

I am not a doctor but I work with doctors in a hospital and I never heard of any premiums costing that much. The hospital where I work pays and covers all malpractice insurance for its employees. doc's tend to get some extra on thier own but the costs are not that high. I dated a Doctor once for a short time about 5 years ago who was a ER doctor, and he brought home a little over $200,00. I think you should research that more before you get discourged over something you read. Talk to the college guidence counsler or even ask your own doc.

Edwin Said:

Why are medical malpractice insurance companies soo profitable in California?

We Answered:

because by law doctors have to buy malpractice insurance.

so why not just jack up the price.

i wonder how the health insurance mandate will effect things?

Kristin Said:

What are the likely consequences of the following events in the U.S. market for cosmetic surgery?

We Answered:

a. health insurance companies either go broke, or everyone's premiums triple - which they won't be able to afford, so they go uninsured.

b. they already do this. ANYONE who can get a personal loan, doesn't have to say what the money is for.

c. well, that happens every year, too.

So there's no new consequence for b & c, as they are already REGULAR events.

Darren Said:

Do you think that there is more of an issue with medical malpractice insurance than actual malpractice claims?

We Answered:

The American Trial Lawyers Association is not in favor of tort reform? Who knew?

It is revealing that they don't mention the hidden cost of defensive medicine.

The Congressional Office of Technology Assessment (OTA) provided a useful definition of defensive medicine in 1994.

“Defensive medicine occurs when doctors order tests, procedures, or visits, or avoid high-risk patients or procedures, primarily (but not necessarily or solely) to reduce their exposure to malpractice liability. When physicians do extra tests or procedures primarily to reduce malpractice liability, they are practicing positive defensive medicine. When they avoid certain patients or procedures, they are practicing negative defensive medicine.”

Fear of litigation has been cited as the driving force behind defensive medicine. Defensive medicine is especially common in the United States of America, with rates as high as 79% to 93%, particularly in emergency medicine, obstetrics, and other high-risk specialties....