OB/GYN Medical Malpractice Insurance
An OB/GYN, which is abbreviation for an obstetrician and gynecologist, is the combination of two surgical specialties relating to the female reproductive system. Most often they are combined as one medical specialty relating to medical malpractice insurance. OB/GYNs are trained medical professionals who provide care for both pregnant and non-pregnant female patients. Their training covers treating the entire scope of the female reproductive organs, both surgical and non-surgical. eQuoteMD’s network of experienced medical malpractice insurance consultants are equipped to provide the appropriate medical malpractice coverage relating to this practice of medicine.
Between the years of 2000-2005, the rate of American medical students that chose to specialize in obstetrics substantially decreased. Access to OB/GYN physicians, in some states, was often times difficult due to the increasing shortage of obstetricians and gynecologists. Due to the successful tort reform in many states, it is important for Obstetricians and Gynecologists to realize that there are competitive options for OB/GYN medical malpractice insurance
There are many life threatening and life altering injuries that are linked to babies not being delivered in a timely manner, if they are issues with a natural birth. Whether the results of the injury are the physicians fault or not, many OB/GYN’s feel they have little chance of success winning in the court room; but do not want to give consent to settle and admit guilt when they feel they did nothing wrong. This is why it is extremely important for OB/GYN’s to have the best possible medical malpractice insurance they can find. This must be done without paying too much with overpriced premiums. It is critical that the medical liability insurance carrier has ample experience in the court with OB/GYN cases in order to best protect the physicians they insure. Obstetricians and Gynecologists should not be insured with a carrier that simply looks to settle every case. Claims like failure to diagnose can be won, if the OB/GYN is insured and defended by the right company.
Obstetricians and Gynecologists need to have a top quality risk management program in place. Risk management programs include electronic medical records (EHR) systems, continuing medical education (CME) and strong guidelines and protocols for the office and hospital. Top rated medical professional liability insurance companies have a dedicated risk management department that OB/GYN’s can rely on to help reduce the risk of a claim. One of the most important roles a good risk management department offers is the ability for OB/GYN’s to call the risk management department and ask for guidance when there is a bad outcome with a patient.
While bad outcomes are sometimes unavoidable, physicians need to know how they should handle the situation. Risk management departments are skilled for this very situation. Claim departments work hand in hand with risk management departments to do everything they can to help the OB/GYN prevent a disgruntled patient from turning into a medical malpractice claim.
Each state has its own laws regarding the statute of limitations. The average for most state laws is two years from time of discovery. This means that the patient has two years to file a claim from the time the patient first discovers the injury. The statute of limitations for minors with most states does not start until the minor reaches eighteen years old. Obstetricians and Gynecologists theoretically have twenty years or more of “tail” risk.
OB/GYN medical malpractice insurance coverage can vary significantly from state to state. It is important to understand the significant variance in the premiums for comparable OB/GYN’s in the same territory. Due to the high premiums Obstetricians and Gynecologists deal with, many times, there is room for large discounts.
eQuoteMD has served thousands of OB/GYN physicians by helping them find the best insurance rates through access to top-rated medical malpractice insurance companies. eQuoteMD enables you to compare quotes, between multiple companies, that have been tailored to the specific needs of your practice and location.
Take back control of your OB/GYN practice and lower your expenses today. Simply request your FREE medical malpractice insurance quotes now and see how much you can save!
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