Malpractice insurance and obstetrics

[Guest guest]

Hi folks: I practice in California and am updating my malpractice

insurance. None of the carriers I've investigated will cover anything

to do with obstetrics which leaves me the option of turning those

patients away or personally assuming all liability should something go

amiss and the parents decide to get litigious. I'm wondering what

other practitioners have done in regards to this dilemma?

Amy Fleetman

[Guest guest]

I am in Colorado so maybe it is different but I have

american acupuncture council and they cover everything

except turning a breach and promoting labor. You also

may want to contact someone who specializes in womens

health and obstetrics such as Raven Lang in Santa

Cruz. I am sure she would know.

--- needlez11 <needlez wrote:

 

> Hi folks: I practice in California and am updating

> my malpractice

> insurance. None of the carriers I've investigated

> will cover anything

> to do with obstetrics which leaves me the option of

> turning those

> patients away or personally assuming all liability

> should something go

> amiss and the parents decide to get litigious. I'm

> wondering what

> other practitioners have done in regards to this

> dilemma?

> Amy Fleetman

>

>

 

 

 

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[Guest guest]

No insurer will cover for obstetrical treatment once labor has begun -

the liability is too great. In 2004, AAC was confronted with their

complete exclusion of ALL Ob/Gyn syndromes and later was forced to

clarify the wording in their coverage by a mass revolt in the

profession. AAC will now cover any treatment as long as it is in TCM

terms, i.e., Liv depression is covered but not endometriosis, except

for insurance purposes where you are allowed to bill for symptoms,

e.g., " menstrual pain " . AAC does have an upgrade for certain treatments

during pregnancy with a stiff pricetag (as in several thousands). I

have unable to get them to clarify exactly what they will and will not

cover and according to my attorney, the wording of their policy leaves

us unprotected for all treatments in pregnancy. They will ask you to

document exactly what you do treat and then write a special provision

for you, but they are cagey about this. I left them for Eastern Special

Risk in Harvard Mass, who do not cover every state, but do cover all

treatments up to the point of labor, including breech, morning

sickness, threatened miscarriage, etc. I'm quite sure that AAC does not

cover any of these without an upgrade. So, you are pretty much on your

own if you are counting on AAC to cover you for obstetrical treatment

as far as anyone can tell.

 

Best of luck - Caroline

 

 

 

Chinese Medicine , " needlez11 "

<needlez wrote:

>

> Hi folks: I practice in California and am updating my malpractice

> insurance. None of the carriers I've investigated will cover

anything

> to do with obstetrics which leaves me the option of turning those

> patients away or personally assuming all liability should something

go

> amiss and the parents decide to get litigious. I'm wondering what

> other practitioners have done in regards to this dilemma?

> Amy Fleetman

>

[Guest guest]

I am so confused. I actually called AAC and they said

they would cover everything except the promotion of

labor and turning a breech. I am going to call them

again. Is it different state to state?

--- cradicepoli <CarolineRadice wrote:

 

> No insurer will cover for obstetrical treatment once

> labor has begun -

> the liability is too great. In 2004, AAC was

> confronted with their

> complete exclusion of ALL Ob/Gyn syndromes and later

> was forced to

> clarify the wording in their coverage by a mass

> revolt in the

> profession. AAC will now cover any treatment as long

> as it is in TCM

> terms, i.e., Liv depression is covered but not

> endometriosis, except

> for insurance purposes where you are allowed to bill

> for symptoms,

> e.g., " menstrual pain " . AAC does have an upgrade for

> certain treatments

> during pregnancy with a stiff pricetag (as in

> several thousands). I

> have unable to get them to clarify exactly what they

> will and will not

> cover and according to my attorney, the wording of

> their policy leaves

> us unprotected for all treatments in pregnancy. They

> will ask you to

> document exactly what you do treat and then write a

> special provision

> for you, but they are cagey about this. I left them

> for Eastern Special

> Risk in Harvard Mass, who do not cover every state,

> but do cover all

> treatments up to the point of labor, including

> breech, morning

> sickness, threatened miscarriage, etc. I'm quite

> sure that AAC does not

> cover any of these without an upgrade. So, you are

> pretty much on your

> own if you are counting on AAC to cover you for

> obstetrical treatment

> as far as anyone can tell.

>

> Best of luck - Caroline

>

>

>

> Chinese Medicine ,

> " needlez11 "

> <needlez wrote:

> >

> > Hi folks: I practice in California and am

> updating my malpractice

> > insurance. None of the carriers I've investigated

> will cover

> anything

> > to do with obstetrics which leaves me the option

> of turning those

> > patients away or personally assuming all liability

> should something

> go

> > amiss and the parents decide to get litigious.

> I'm wondering what

> > other practitioners have done in regards to this

> dilemma?

> > Amy Fleetman

> >

>

>

>

 

 

 

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[Guest guest]

Lloyd's of london, which runs around $1200/yr, has no exclusions as

long as we are practicing within our scope of practice. I

specifically asked the broker about ob/gyn, and from looking at the

policy, there is no exclusions. this is what I am planning on

switching too from AAC.

 

Chinese Medicine , " cradicepoli "

<CarolineRadice wrote:

>

> No insurer will cover for obstetrical treatment once labor has

begun -

> the liability is too great. In 2004, AAC was confronted with their

> complete exclusion of ALL Ob/Gyn syndromes and later was forced to

> clarify the wording in their coverage by a mass revolt in the

> profession. AAC will now cover any treatment as long as it is in

TCM

> terms, i.e., Liv depression is covered but not endometriosis,

except

> for insurance purposes where you are allowed to bill for symptoms,

> e.g., " menstrual pain " . AAC does have an upgrade for certain

treatments

> during pregnancy with a stiff pricetag (as in several thousands).

I

> have unable to get them to clarify exactly what they will and will

not

> cover and according to my attorney, the wording of their policy

leaves

> us unprotected for all treatments in pregnancy. They will ask you

to

> document exactly what you do treat and then write a special

provision

> for you, but they are cagey about this. I left them for Eastern

Special

> Risk in Harvard Mass, who do not cover every state, but do cover

all

> treatments up to the point of labor, including breech, morning

> sickness, threatened miscarriage, etc. I'm quite sure that AAC

does not

> cover any of these without an upgrade. So, you are pretty much on

your

> own if you are counting on AAC to cover you for obstetrical

treatment

> as far as anyone can tell.

>

> Best of luck - Caroline

>

>

>

> Chinese Medicine , " needlez11 "

> <needlez@> wrote:

> >

> > Hi folks: I practice in California and am updating my

malpractice

> > insurance. None of the carriers I've investigated will cover

> anything

> > to do with obstetrics which leaves me the option of turning

those

> > patients away or personally assuming all liability should

something

> go

> > amiss and the parents decide to get litigious. I'm wondering

what

> > other practitioners have done in regards to this dilemma?

> > Amy Fleetman

> >

>

[Guest guest]

I know this is an old post. Which broker did you go through to get your

insurance with

Lloyds? Lloyds does not interact directly with end users, but only through

brokers.

 

Many thanks

 

David Toone, L.Ac.

 

 

 

Chinese Medicine , " "

wrote:

>

> Lloyd's of london, which runs around $1200/yr, has no exclusions as

> long as we are practicing within our scope of practice. I

> specifically asked the broker about ob/gyn, and from looking at the

> policy, there is no exclusions. this is what I am planning on

> switching too from AAC.

>

> Chinese Medicine , " cradicepoli "

> <CarolineRadice@> wrote:

> >

> > No insurer will cover for obstetrical treatment once labor has

> begun -

> > the liability is too great. In 2004, AAC was confronted with their

> > complete exclusion of ALL Ob/Gyn syndromes and later was forced to

> > clarify the wording in their coverage by a mass revolt in the

> > profession. AAC will now cover any treatment as long as it is in

> TCM

> > terms, i.e., Liv depression is covered but not endometriosis,

> except

> > for insurance purposes where you are allowed to bill for symptoms,

> > e.g., " menstrual pain " . AAC does have an upgrade for certain

> treatments

> > during pregnancy with a stiff pricetag (as in several thousands).

> I

> > have unable to get them to clarify exactly what they will and will

> not

> > cover and according to my attorney, the wording of their policy

> leaves

> > us unprotected for all treatments in pregnancy. They will ask you

> to

> > document exactly what you do treat and then write a special

> provision

> > for you, but they are cagey about this. I left them for Eastern

> Special

> > Risk in Harvard Mass, who do not cover every state, but do cover

> all

> > treatments up to the point of labor, including breech, morning

> > sickness, threatened miscarriage, etc. I'm quite sure that AAC

> does not

> > cover any of these without an upgrade. So, you are pretty much on

> your

> > own if you are counting on AAC to cover you for obstetrical

> treatment

> > as far as anyone can tell.

> >

> > Best of luck - Caroline

> >

> >

> >

> > Chinese Medicine , " needlez11 "

> > <needlez@> wrote:

> > >

> > > Hi folks: I practice in California and am updating my

> malpractice

> > > insurance. None of the carriers I've investigated will cover

> > anything

> > > to do with obstetrics which leaves me the option of turning

> those

> > > patients away or personally assuming all liability should

> something

> > go

> > > amiss and the parents decide to get litigious. I'm wondering

> what

> > > other practitioners have done in regards to this dilemma?

> > > Amy Fleetman

> > >

> >

>

[Guest guest]

Hall-Conway-Jackson used to sell Lloyd's professional liability

policies to acupuncturists. They no longer do. I'm not sure if this

is just H-C-J or if Lloyd's itself isn't writing new policies for

acupuncturists.

 

Other agents who have offered Lloyd's in the past include...

 

Waterman Agency

David Waterman

Hayward, CA 94541

800-640-4420

 

Bill Freeborn

DPA Insurance Services

Walnut Creek, CA

800-942-3080

 

Judy Duvall

California Professional Insurance

Tustin, CA

800-633-8884

 

Not sure about outside of California.

 

--Bill.

--

Bill Mosca, LAc

San Francisco CA

mosca

 

 

On May 20, 2008, at 12:38 PM, davidetoone wrote:

 

> I know this is an old post. Which broker did you go through to get

> your insurance with

> Lloyds? Lloyds does not interact directly with end users, but only

> through brokers.

>

> Many thanks

>

> David Toone, L.Ac.

>

>

>

> --- , " "

> wrote:

>>

>> Lloyd's of london, which runs around $1200/yr, has no exclusions as

>> long as we are practicing within our scope of practice. I

>> specifically asked the broker about ob/gyn, and from looking at the

>> policy, there is no exclusions. this is what I am planning on

>> switching too from AAC.

>>

>> --- , " cradicepoli "

>> <CarolineRadice@> wrote:

>>>

>>> No insurer will cover for obstetrical treatment once labor has

>> begun -

>>> the liability is too great. In 2004, AAC was confronted with their

>>> complete exclusion of ALL Ob/Gyn syndromes and later was forced to

>>> clarify the wording in their coverage by a mass revolt in the

>>> profession. AAC will now cover any treatment as long as it is in

>> TCM

>>> terms, i.e., Liv depression is covered but not endometriosis,

>> except

>>> for insurance purposes where you are allowed to bill for symptoms,

>>> e.g., " menstrual pain " . AAC does have an upgrade for certain

>> treatments

>>> during pregnancy with a stiff pricetag (as in several thousands).

>> I

>>> have unable to get them to clarify exactly what they will and will

>> not

>>> cover and according to my attorney, the wording of their policy

>> leaves

>>> us unprotected for all treatments in pregnancy. They will ask you

>> to

>>> document exactly what you do treat and then write a special

>> provision

>>> for you, but they are cagey about this. I left them for Eastern

>> Special

>>> Risk in Harvard Mass, who do not cover every state, but do cover

>> all

>>> treatments up to the point of labor, including breech, morning

>>> sickness, threatened miscarriage, etc. I'm quite sure that AAC

>> does not

>>> cover any of these without an upgrade. So, you are pretty much on

>> your

>>> own if you are counting on AAC to cover you for obstetrical

>> treatment

>>> as far as anyone can tell.

>>>

>>> Best of luck - Caroline

>>>

>>>

>>>

>>> --- , " needlez11 "

>>> <needlez@> wrote:

>>>>

>>>> Hi folks: I practice in California and am updating my

>> malpractice

>>>> insurance. None of the carriers I've investigated will cover

>>> anything

>>>> to do with obstetrics which leaves me the option of turning

>> those

>>>> patients away or personally assuming all liability should

>> something

>>> go

>>>> amiss and the parents decide to get litigious. I'm wondering

>> what

>>>> other practitioners have done in regards to this dilemma?

>>>> Amy Fleetman

>>>>

>>>

>>

>

>

>

>

> ---

>

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