How Much Does a Medical Assistant Malpractice Insurance Policy Cost?

It is a good idea for medical assistants to purchase professional malpractice insurance. Your premiums depends on your responsibilities, the location of the medcal practice, the office's setting and the limits of liability you choose.

• Medical Assistant Negligence | Medical Assistant Negligence Law Suites
  Medical assistants and their supervisors must understand how tort and negligence laws impose a minimum level of due care on them, volunteers and all others.

• Cost of Medical Assistant Malpractice Insurance and Liability

• Medical Assistant Criminal Background Check | Conduct of a Medical Assistant
  
  Medical assistant pre-employment background checks, prior conduct at work, public places, or at home.

Analyzing Your Medical Assistant Malpractice Insurance Policy

If your employer insists that you are to be covered under their office's existing policy as a rider, ask the employer for a copy of the certificate of insurance for your analysis to determine if you are adequately and sufficiently covered.

Malpractice Insurance Policy Checklist:

Here is a checklist of items to use when analyzing your employer’s policy:

1. Are you listed by name on your employer’s policy?
2. Are legal costs included in the limits of liability, or will they be paid in addition to policy limits?
3. If a malpractice claim is filed against you, will this professional liability policy pay legal fees and court costs in addition to your policy limit, even if you are not liable for the charges brought against you?
4. If you decide to change employers and are covered under a claims-made policy, will your former employer be responsible for paying the cost of the tail coverage?
5. Is this policy good in all 50 states?

If you answered NO to any of these questions, investigate purchasing your own individual policy through one of the many malpractice and professional liability programs available. Read: Phony Malpractice Insurance Scam Warning!

What About Volunteers?

Should you ever decide you want to volunteer, or work at a part-time position, or even do private duty, since many medical assistants also function as home health aides or CNAs in additional to their full-time position, an individual policy covers you while on duty in both positions and under the various circumstances.

If you accept a position and then decide you want to take a position somewhere else, your individual coverage follows you to your new position, even if your previous employer paid the premiums for your coverage. However, realize that your previous employer may request reimbursement!

There even is a way to eliminate gaps in coverage by requesting prior acts coverage. This gives the insured retroactive coverage to cover those events that may have already occurred but have not yet been reported, in other words, it provides coverage for all acts that occurred before the policy was issued! Did you know that???

Remember!
Protect yourself and your future and strive to function within the parameters of your state licensure laws.

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