Understanding Malpractice Insurance for Physician Assistants
Malpractice insurance is a crucial safeguard for physician assistants (PAs), especially as their roles evolve with modern healthcare policies. Traditionally, PAs experienced fewer malpractice claims compared to physicians, with a 2016 study indicating that only 1.4 to 2.4 claims arose per 1,000 PAs, significantly lower than the 11.2 to 19.0 for physicians. Yet, the tides are changing as PA modernization laws take hold across various states. These laws often free PAs from direct physician supervision, which could escalate their risk of being targeted for malpractice suits.
The Importance of Individual Liability Coverage
Experts emphasize the importance of PAs securing individual liability coverage in addition to employer-provided policies. Sondra DePalma, from the American Academy of Physician Associates, highlights that many PAs mistakenly believe that employer coverage is sufficient. This misconception could lead to significant personal risks, as employers usually prioritize their interests in legal matters, deciding whether a case should be defended or settled.
The Changing Landscape of PA Responsibilities
As the authentication of PAs has broadened, institutions now often place them in supervisory roles in medical settings without direct physician oversight. This shift complicates the liability landscape. William Sullivan, JD, advocates for tailored individual insurance since it allows PAs more control in case of state regulatory investigations or lawsuits. Unlike employer policies, which may not always defend PAs in board actions, individual coverage can provide tailored legal support, regardless of where PA services are rendered. Understanding the differences between occurrence and claims-made policies is crucial, as this knowledge can significantly impact their financial protection during a malpractice claim.
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