Insurance for delivering babies costs so much, the doctor can’t practice

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Discussion Overview

The discussion revolves around the rising costs of malpractice insurance for doctors, particularly in the context of delivering babies. Participants explore the reasons behind the increase in premiums, the impact of lawsuits, and the role of insurance companies and medical associations in this issue.

Discussion Character

  • Debate/contested
  • Technical explanation
  • Conceptual clarification

Main Points Raised

  • Some participants note that malpractice premiums have increased significantly, citing figures from $12,000 in 2000 to $57,000 in 2003.
  • There is a claim that the actual payouts on malpractice suits have remained steady, suggesting that rising premiums may not be directly linked to lawsuit costs.
  • One participant argues that the reasons and frequency of lawsuits may be increasing, which could contribute to higher premiums, although this is contested.
  • Another participant points out that states with strict lawsuit restrictions still have high insurance premiums, indicating that caps on lawsuit payouts do not necessarily lower costs.
  • Some participants suggest that the problem may lie with insurance companies and their practices rather than the legal system or the frequency of lawsuits.
  • There is a discussion about the implications of multiple lawsuits against doctors, with some suggesting that repeated lawsuits may indicate incompetence.
  • One participant shares a personal anecdote about a frivolous lawsuit in the UK, drawing parallels to the situation in the US.
  • Concerns are raised about the perception of malpractice suits affecting the medical field, particularly in specific locations like Philadelphia.
  • There is mention of the need for reform in both the legal system and medical boards, with differing opinions on what should be prioritized.

Areas of Agreement / Disagreement

Participants express differing views on the causes of rising malpractice premiums, with no consensus reached on whether the issue stems from the legal system, insurance practices, or the behavior of medical professionals. The discussion remains unresolved with multiple competing perspectives.

Contextual Notes

Participants reference various statistics and anecdotal evidence without providing definitive sources or figures, leading to uncertainty about the accuracy of claims made regarding lawsuits and insurance costs.

  • #31
Originally posted by Zero
No link whatsoever to doctors making mistakes, huh? Really? People just walk into a courthouse, make a claim, and someone hands them huge piles of money for no reason? LOL...ok, Russ, carry on.
Yes Zero, I believe it happens like that, a doctor doesn't do a perfect job and gets sued because of it. Being a doctor is not easy, how many years of training does it take? These people who sue are so ignorant of the fact that it is not like a plummer repairing a sink, we are talking about biology: the system is very complicated.

I agree, if a doctor leaves a medical tool in a patient's abdomen after surgery and writes off the complaints of discomfort as surgical pains and doesn't take action: get attention from some governing body.

If a doctor leaves a medical tool in a patient's abdomen after surgery and takes note of the complaints of discomfort and soon finds out the mistake and corrects it: do NOT scream from the top of the roofs 'medical impractice'.

Being a doctor is a high-risk job, you are seeing ill patients and they expect you to be God and fix them up. You seem to be one of those people who thinks that doctors should be allmighty Zero.

And Russ, those stats that Zero was referring to are in my later post, which shows that the number of medical impractice cases has declined by 4%. It doesn't say though how many got paid out over the years and were dealt with seriously. And those numbers were until 2000, 3 years old and a real decline cannot be measured, the numbers were going up and down every year.
 
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  • #32
I agree, Monique: it is unreasonable to demand perfection from any professional.

And I'll see if I can dig up some stats. The situation in PA is mostly since 2000 and is pretty dire.
You seem to be one of those people who thinks that doctors should be allmighty Zero.
I get what you mean and agree, but the missing comma in that sentence is most unfortunate.
 
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  • #33
Originally posted by Zero
Kerrie, you miss the point...caps don't affect insurance rates. California has done something, by reforming insurance companies, and leaving the lawyers alone.

i wasn't referring to a cap on interest rates zero...i was referring to the cap on the payout of malpractice suits...you seem to like to jump on any opportunity to bark at someone you feel is incorrect or wrong, which is not the point of our discussions here...
 
  • #34
Originally posted by Kerrie
i wasn't referring to a cap on interest rates zero...i was referring to the cap on the payout of malpractice suits...you seem to like to jump on any opportunity to bark at someone you feel is incorrect or wrong, which is not the point of our discussions here...
I thought I knew exactly what I was talking about: caps on payouts don't affect insurance rates. Were you not talking about payout caps as well? What did you think I was saying? Especially since I didn't bark a bit?
 
  • #35
Other solutions?

Fellow PF members have said a lot here about what happens in the US, and Adrian commented that he thinks the UK is going the same way.

How is medical malpractice dealt with in other countries? What sorts of malpractice insurance do doctors in the Netherlands (say) have to pay? Can anyone suggest a viable alternative, in the sense of a system which already works in a different country?
 
  • #36
Adrenaline-

Wow! that was excellent!
 

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