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Healthcare facilities such as hospitals, nursing homes, and so on carry their own malpractice insurance which to some extent covers all employees/those operating within.
Professionals such as physicians, professional and vocational nurses, dentists and or anyone else with a license or certificate carries their own separate malpractice insurance. This includes a litany of nursing support personnel (nurses' aides, nursing assistants, medication techs...).
Student nurses and others attending healthcare professional schools or training also carry their own personal malpractice insurance.
Nursing and other staff normally are directly employed by hospital or healthcare provider. As employees facility then does have liability for their actions. They require separate malpractice insurance because extent of employer coverage varies and if sued separately (which usually always happens) whatever employer offered coverage may not be sufficient.
Physicians range from post graduates (interns and residents) to staff doctors and those with admitting privileges. A doctor or other healthcare professional who maintains his or her own private practice(alone or group) requires their own separate malpractice insurance anyway.
Doctors and nurses (among others) employed at say an urgent care place will have their own separate malpractice insurance. Then there would be whatever coverage comes from whoever owns said urgent care facility.
Healthcare facilities such as hospitals, nursing homes, and so on carry their own malpractice insurance which to some extent covers all employees/those operating within.
Professionals such as physicians, professional and vocational nurses, dentists and or anyone else with a license or certificate carries their own separate malpractice insurance. This includes a litany of nursing support personnel (nurses' aides, nursing assistants, medication techs...).
Student nurses and others attending healthcare professional schools or training also carry their own personal malpractice insurance.
Nursing and other staff normally are directly employed by hospital or healthcare provider. As employees facility then does have liability for their actions. They require separate malpractice insurance because extent of employer coverage varies and if sued separately (which usually always happens) whatever employer offered coverage may not be sufficient.
Physicians range from post graduates (interns and residents) to staff doctors and those with admitting privileges. A doctor or other healthcare professional who maintains his or her own private practice(alone or group) requires their own separate malpractice insurance anyway.
Doctors and nurses (among others) employed at say an urgent care place will have their own separate malpractice insurance. Then there would be whatever coverage comes from whoever owns said urgent care facility.
hospitals here in ny last i heard do not have to have malpractice insurance, they can self insure .
not sure if that changed , they were looking to change the law
Paul Connor has plenty of hurdles when it comes to helping run Stony Brook’s Eastern Long Island Hospital.
There’s finding quality doctors, recruiting nurses and luring lab technicians in a tight labor market. What makes Connor’s job particularly challenging though is the region’s chronic housing shortage, where even cardiologists making $350,000 a year struggle to find places to live, he said.
hospitals here in ny last i heard do not have to have malpractice insurance, they can self insure .
not sure if that changed , they were looking to change the law
This is related to why local practices have mostly all been swallowed up by big corporations like Northwell, NYU Langone, etc. For one thing, they can then self-insure, which may be cheaper than buying insurance, and have the assets to back it up (which perhaps only a catastrophic umbrella policy to cover very large cases that could seriously financially damage the company - many smaller hospitals have closed due to this).
For another, it's just not practical for solo or small practices to deal with both the malpractice insurance costs and having to hire an entire billing department to fight with the health insurance companies. Being part of a larger company allows you to negotiate better rates with the health insurers, and having the manpower to claw back the procedures they deny payment on.
Of course, we all suffer from this, since overall these large companies provide far worse care than you would have gotten 20 years ago with a skilled small practice.
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