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I posted this in the Future of Medicine thread, but it has degenerated to a Bush vs Kerry debate. I want to start a thread to address the problem of malpractice suits and its effect on our ability to care for our patients.
I live in Oklahoma (if you couldn't tell from my avatar). Physicians in my state are facing a very uncertain future in regards to malpractice and their abilities to preform their duties as effective health care providers. Oklahoma's physicians are insured by a group known as PLICO. Recent increased in the rate of malpractice suits coupled with increasing malpractice awards are driving some docs out of business (especially ob/gyn). Some of these docs are leaving the state or shutting their doors due to the cost of insurance and court costs (not that they have actually lost a suit). An ob/gyn just down the street from where I live, had to close his office last week. Here's a few stats if my memory serves correctly:
Average cost of litigation for doctor's defense in a suit that goes to trial: $110,000 (that's what you, your hospital, and insurance company are out even if you win)
Doctors win seven out of ten times if suit goes to jury
Average jury award in 2000: 1.8 million
Average jury award in 2003: 2.3 million (half a million increase in three years )
Here's the kicker, PLICO is out of money. 149 million in the red as of last month (that's a lot in a state of just over 3 million people). One of two things will happen-the state (taxpayers) will bail PLICO out or physicians will shell out some major insurance premiums to keep PLICO afloat. There will more than likely be a combination of both, but premiums are expected to increase by a whopping 82% in the next three years alone. They have already increased 60% last year. Even if you are a great doc with a squeeky clean history, your rates will increase to accomodate those who are not. Saying that you only care about what is best for your patients is the correct thing. Your patients will ultimately foot the bill for unfounded lawsuits, not you. To be honest, this scares me a little as I enter my medical school education. I am a month away from assuming a sizable debt and I desire to stay in my home state in an effort to improve the quality of care available here, but that may be difficult if I cannot afford to pay back my loans in conjunction with my high insurance costs. I don't anticipate it, but there are people who exist that will sue a doc in a shameless attempt to get money. My own grandmother has done it three times. Does this make me not want to be a doc--Heck no, but it is a cause for concern.
Lastly, I would like to offer this thought. Right now, we (including myself) are all premeds who (for the most part) are largely unaware of the impact that malpractice can have on our personal and professional lives. I think that it is easy to forget or not envision the effect that policy makers will have on our future practice. It will be interesting to see what we all think in ten to fifteen years when we (or our colleagues) have more experience in this matter. Keep this in perspective before flaming on about how malpractice is not a real problem. It is to those who currently practice medicine and I assume that most of us will have a change in opinion when we are required to begin paying these premiums. I do realize that docs are well-compensated, but the burden of this will fall on our patients.
At any rate here is a link to the Oklahoma State Medical Association-the group that has represented docs in their modestly successful battle for reform at the state capital. I do realize that this group is obviously pro-doctor, and anti-lawyer. I would like to know your thoughts regarding this action in my home state. Thanks for your time.
I live in Oklahoma (if you couldn't tell from my avatar). Physicians in my state are facing a very uncertain future in regards to malpractice and their abilities to preform their duties as effective health care providers. Oklahoma's physicians are insured by a group known as PLICO. Recent increased in the rate of malpractice suits coupled with increasing malpractice awards are driving some docs out of business (especially ob/gyn). Some of these docs are leaving the state or shutting their doors due to the cost of insurance and court costs (not that they have actually lost a suit). An ob/gyn just down the street from where I live, had to close his office last week. Here's a few stats if my memory serves correctly:
Average cost of litigation for doctor's defense in a suit that goes to trial: $110,000 (that's what you, your hospital, and insurance company are out even if you win)
Doctors win seven out of ten times if suit goes to jury
Average jury award in 2000: 1.8 million
Average jury award in 2003: 2.3 million (half a million increase in three years )
Here's the kicker, PLICO is out of money. 149 million in the red as of last month (that's a lot in a state of just over 3 million people). One of two things will happen-the state (taxpayers) will bail PLICO out or physicians will shell out some major insurance premiums to keep PLICO afloat. There will more than likely be a combination of both, but premiums are expected to increase by a whopping 82% in the next three years alone. They have already increased 60% last year. Even if you are a great doc with a squeeky clean history, your rates will increase to accomodate those who are not. Saying that you only care about what is best for your patients is the correct thing. Your patients will ultimately foot the bill for unfounded lawsuits, not you. To be honest, this scares me a little as I enter my medical school education. I am a month away from assuming a sizable debt and I desire to stay in my home state in an effort to improve the quality of care available here, but that may be difficult if I cannot afford to pay back my loans in conjunction with my high insurance costs. I don't anticipate it, but there are people who exist that will sue a doc in a shameless attempt to get money. My own grandmother has done it three times. Does this make me not want to be a doc--Heck no, but it is a cause for concern.
Lastly, I would like to offer this thought. Right now, we (including myself) are all premeds who (for the most part) are largely unaware of the impact that malpractice can have on our personal and professional lives. I think that it is easy to forget or not envision the effect that policy makers will have on our future practice. It will be interesting to see what we all think in ten to fifteen years when we (or our colleagues) have more experience in this matter. Keep this in perspective before flaming on about how malpractice is not a real problem. It is to those who currently practice medicine and I assume that most of us will have a change in opinion when we are required to begin paying these premiums. I do realize that docs are well-compensated, but the burden of this will fall on our patients.
At any rate here is a link to the Oklahoma State Medical Association-the group that has represented docs in their modestly successful battle for reform at the state capital. I do realize that this group is obviously pro-doctor, and anti-lawyer. I would like to know your thoughts regarding this action in my home state. Thanks for your time.