endo4jcParticipantStatus: PhysicianPosts: 13Joined: 11/14/2018
Starting my first real job this fall.
What factors including malpractice rates?
Your own personal medical history?
Especially interested in the last point regarding. Thanks.March 12, 2019 at 8:23 pm MST #198002SLC OBParticipantStatus: PhysicianPosts: 304Joined: 06/23/2018
Yes, all of the above.
Claims history if super important. For instance… I have a great (no) claims history as an OB in California. Therefore, I have been with same company (a cooperative that takes only low risk people) and my cost has been no more than $18K/year. My partner had a few cases, nothing came of them but he was forced out, his policy through a different company cost $35K/year. Tort reform plays a big role… like Florida the OB’s can’t get malpractice for less than 6 figures!
Good luck.March 12, 2019 at 8:55 pm MST #198014ZaphodParticipantStatus: Physician, Small Business OwnerPosts: 5400Joined: 01/12/2016
How would your own medical history have anything to do with it?TimParticipantStatus: AccountantPosts: 1443Joined: 09/18/2018March 13, 2019 at 12:30 am MST #198045ENT DocParticipantStatus: PhysicianPosts: 2698Joined: 01/14/2017
Specialty, location (state and specific city), prior claims history, procedures you perform, claims made vs occurrence, coverage limits, time out of training, participation in risk reduction classes/education, group plan or not.
There are some subtleties that I’m not sure if they tease out or not. For example, you’re more likely to have a claim filed against you in my field if you are male, at least in the initial phase out of training. Rest assured, they have all this data.March 13, 2019 at 2:03 am MST #198046