Skip to content
March-2024-Digital-ProV-Cover

March 2024 
Health Tech Hazards
Exploring the Executive Brief from ECRI


Table of Contents

About Our Issue

There are several resources we monitor regularly to track trends in the medical liability space. A key example is the Emergency Care Research Institute (ECRI). Their annual lists of technology trends and patient safety issues, among others, are valuable research tools. One example that recently caught our attention is the Top 10 Health Technology Hazards for 2024.

The list, available in the executive brief linked above, includes:

  1. Medical devices may pose usability challenges for home users, risking misuse and patient harm
  2. Inadequate or onerous device cleaning instructions endanger patients
  3. Sterile drug compounding without the use of technological safeguards increases the risk of medication errors
  4. Overlooked environmental impacts of patient care endanger public health
  5. Insufficient governance of AI used in medical technologies risks inappropriate care decisions
  6. Ransomware targeting the healthcare sector remains a critical threat
  7. Increased burn risk with single-foil electrosurgical return electrodes
  8. Infusion pump damage remains a medication safety concern
  9. Poor QC of implantable orthopedic products can lead to surgical delays and patient harm
  10. Third-party web analytics software can compromise patient confidentiality
  11. Download ECRI’s Top 10 Health Technology Hazards for 2024 Executive Brief. Detailed descriptions of the hazards, along with ECRI’s step-by-step recommendations for addressing them, are provided in the 2024 Top 10 Health Technology Hazards Solutions Kit (login required). Members of ECRI programs can access the Solutions Kit through their membership web pages. For more information, visit ECRI.org.

In our issue, we have compiled resources and talking points that align with the issues presented in the 2024 list. We hope you find this kit a helpful resource as you navigate conversations with your clients on the current medical-legal environment.

Web Banners March 2024 01

Medical Devices May Pose Usability Challenges for Home Users, Risking Misuse, and Patient Harm

Introduction

Medmarc provides coverage for manufacturers and distributors of medical devices, pharmaceuticals, biotechnology, and more. This ProAssurance line of business provides Products/Completed Operations Liability (“Products Liability”) and Manufacturers’ Errors and Omissions Liability (“E&O”) for medical technology and life sciences companies. While Medmarc is a part of ProAssurance Group, it does accept applications from other carriers. Medmarc uses an open-market distribution network, meaning that any properly licensed broker may place coverage with them. If you are looking for more information on Medmarc’s services, you can follow this link to explore their resources.

Summary

With the increase of in-home care, the use of at-home devices like infusion pumps and ventilators have increased as well. The at-home devices allow for more comfortable and convenient care; however, the devices were not necessarily designed for those who may lack the knowledge to operate and use them properly. Severe harm can result if patients or caregivers do not fully understand how to troubleshoot or handle the equipment. To minimize possible risks, choose devices that are well matched for patients, caregivers, and their environment as well as provide support for home users in using the medical devices successfully.

Medmarc Resource

Checklist for Safety Information for Home-Use Products”: Medmarc provides a checklist for safety information for life sciences manufacturers and medical technology companies with home-use products. Their checklist includes looking at how warnings and labels are designed, the messaging used within the instructions and labels, as well as the symbols and pictorials used for messages. They also provide resources for organizations as they are creating labels, instructions, and warning messages for their medical technology.

Web Banners March 2024 02

Inadequate or Onerous Device Cleaning Instructions Endanger Patients

Summary

Not properly cleaning, disinfecting, and sterilizing reusable medical equipment between uses can potentially lead to the spread of infection or device damage or other forms of harm. The eclectic differences between reprocessing instructions makes it challenging to successfully reprocess medical devices. Many reusable medical devices and healthcare items have incomplete, impractical, or onerous reprocessing instructions. Due to the inconsistency, healthcare workers who perform reprocessing can find it difficult or even impossible to complete the task effectively or could suffer harm. Healthcare organizations should address this issue before purchasing medical devices.

Medmarc Resource

Webinar “Medical Device Design and Infection Prevention”: A growing concern for healthcare providers is the expanding universe of drug-resistant microbes and the hospital-acquired infections that can result in complications, mortality, and morbidity. Infection prevention is critical for medical device manufacturers, as medical devices have been known to harbor drug-resistant microbes and transmit device-related infections even after the devices have been appropriately disinfected. The FDA has addressed the infection rates associated with reprocessed devices like duodenoscopes by placing new and additional obligations on manufacturers to verify that new product designs reduce the contamination rate. 

Web Banners March 2024 03

Sterile Drug Compounding without the Use of Technological Safeguards Increases the Risk of Medication Errors

Summary

Drug compounding is necessary when a commercially available formulation does not come in a “ready-to-administer” form or does not meet patients’ needs in another way. Any potential error made while compounding injectable medications can be severe if not deadly, if the error is not caught before administering to the patient. Accurate compounding is key for all preparations, but it is especially crucial for injectable preparations because of their need to be sterile, the frequency of compounding required, the opportunities for error, and potential for significant harm.

Medmarc Resource

Pharmaceutical Compounding: From the time a 2012 fungal meningitis outbreak that was tied to a compounding center was exposed for the common misuse of pharmaceutical compounding, compounding has grown to be the center of media and governmental attention. While there are concerns, compounding has several legitimate and necessary uses in healthcare. Legitimate compounding is done on a patient-by-patient basis although there are exceptions for animals and children if a dosage of an approved drug may not be suitable. Areas to consider when discussing compounding include traditional vs. nontraditional methods, oversight and regulation, the concerns of compounding, and why drugs are compounded.

Web Banners March 2024 04

Overlooked Environmental Impacts of Patient Care Endanger Public Health

Summary

While developments and advances in healthcare technologies have contributed positively to the quality, accessibility, and efficiency of patient care in the U.S., there is significant concern surrounding practices that create a negative impact on the environment. The manufacture, use, and disposal of medical devices, equipment, and supplies consume energy, expel hazardous contaminants, and create and accumulate waste. These factors compromise air and water quality, further exacerbate climate change, and contribute to severe environmental events like flooding and wildfires, which disrupt clinical operations and threaten patient health and safety. The onset or worsening of respiratory, cardiac, and other health conditions, along with the rising cost of care, are a detriment to public health, particularly in vulnerable or disadvantaged populations. Healthcare facilities can, however, learn and adopt practical strategies to reduce these environmental threats and improve the outlook of health for their patients.1

Greenhouse Gas Emissions and Pollutants

Healthcare represents 4.6% of total greenhouse gas emissions globally. These gases include carbon dioxide, ozone, and methane, to name a few.2 United States healthcare is responsible for 25% of those emissions, the largest proportion for any country, also generating about 8.5% of total domestic greenhouse gas emissions.3 According to the World Health Organization, outdoor air pollution contributes to 2.7 million deaths a year, and open burning may contribute to about one-fifth of this total.

Sources of most carbon emissions in U.S. healthcare sector:2

  • Hospital care: 36%
  • Physician and clinical services: 12%
  • Prescription drugs: 10%

These emissions are further categorized:

  • Direct emissions from healthcare facilities: 7% 
  • Emissions from direct purchases of energy: 11% 
  • All other supply-chain emissions: 82% 
Waste

Practice Greenhealth provides an estimate for hospital waste generation in the United States:

  • 29 pounds of waste per bed, daily
  • 5 million tons of waste yearly

Further complicating this is the problem of reprocessing and disposal. Cleaning and disinfecting reusable products require chemicals and single-use items (gloves, cleaning brushes, etc.). Medical and pharmaceutical waste, plastic products and packaging, and items at the end of their life cycle turn up in landfills or incinerators. Waste is also often dumped in low- and middle-income countries or impoverished geographical areascommunities that lack the money or resources to facilitate appropriate solutions. In fact, mismanaged waste contributes to an estimated 400,000 to 1 million deaths each year, according to a 2019 report published by Tearfund.1 The consequences of waste accumulation and disposal practices, including compromised water quality, air pollutants, increased pest infestations, and disease lower quality of life and are devastating to public health. Further, these problems work to perpetuate health inequities, particularly for the marginalized racial, ethnic, and socioeconomic groups that inhabit these impacted communities.1

The Solutions1

The challenge for healthcare organizations and device manufacturers that create the technologies that aid in care is reducing the carbon footprint and practicing sustainability without compromising the safety, quality, and cost of care for patients. “As protectors of public health, healthcare organizations should consider measures to reduce the environmental impacts of their medical technology decisions:”

  • Creating organizational “green teams”
  • Assessing current organizational impacts and environmental risks, including energy and water consumption, waste production, and air and water contamination
  • Evaluating current patient care outcomes, staffing levels, infection control protocols, long-term costs, and the consequences of revising practices
  • Limiting use of potentially harmful or hazardous materials
  • Minimizing the purchase of products with plastic packaging
  • Reducing single-use items and making reusable products easier to clean and sanitize without risk of damage
  • Exploring options for recycling, donating, or composting items, rather than disposing into waste streams
  • Prioritizing preparation and protocols for extreme weather or natural disasters, keeping patient safety and care top priority
Web Banners March 2024 05

Insufficient Governance of AI Used in Medical Technologies Risks Inappropriate Care Decisions

Summary

Healthcare providers are witnessing the benefits of artificial intelligence (AI) in devices and tools in various areas of care, including administration, diagnostic support such as imaging interpretation, and assistance with clinical decision-making. These enhancements are used with the aim of making processes easier, more efficient, and with greater accuracy, to improve safety and health outcomes for patients. However, these tools are not without shortcomings. A lack of transparency around language models and algorithms associated with AI technology is a concern for both providers and patients. The potential for flawed, incomplete, or biased information in data collections used to develop and advance these applications also raises alarm about inaccurate or misleading diagnoses, particularly for underrepresented groups. Inappropriate or inadequate treatment decisions that follow may threaten the quality of care for patients. As a result, debates on privacy, blurred accountability, and ethical usage are presented, as are questions on the regulation and governance of AI technology. As this is a relatively new phenomenon in healthcare, a comprehensive picture of the applications and impacts of AI-assisted devices and systems are yet unknown. As it stands there are limited recognized standards or government regulations for the development, implementation, usage, optimization, and maintenance of such tools. The swift deployment of AI into various functions in this space, plus the potential for existing and upcoming technology to either help or harm, warrants careful examination of known risks and benefits. The creation and institution of best practices and safety guidelines for such tools may be valuable as well.1,2

AI Governance and Patient Protection

The implementation and advancement of AI technology in the healthcare sector bring with it the above concerns, but also present an uncertain outlook regarding medical liability, particularly considering questions of responsibility between clinician and device, and issues of safety and quality control. Without regulations in place, “rapid progress in development and deployment of AI models could lead to unsafe and morally flawed practices in health care.”3 The FDA does provide vetting of some AI applications in their approval and clearance processes; however, tools that are not considered to directly affect diagnosis or treatment do not require review or clearance.1 In addition, the World Health Organization (WHO) has released guidance on governance and ethics surrounding data, documentation, cybersecurity, and large language models (LLMs) used in the healthcare space.1,4 President Biden also issued an executive order in the fall of 2023 for the development of standards for AI safety and security in all areas, including healthcare.5

ECRI recommends that healthcare organizations that apply AI technology in their practices institute AI governance programs. These should include guidance on the assessment, implementation, and management of both devices and systems, as well as the following:

  • Multidisciplinary committees for governance (i.e., clinical staff, C-suite executives, IT professionals)
  • Risk assessments for assessing technical, ethical, legal, and social impacts on patient care
  • Vendor assessment processes
  • Post-implementation quality control1
Web Banners March 2024 06

Ransomware Targeting the Healthcare Sector Remains a Critical Threat 

 

The Devastating Impacts of Ransomware Attacks in Healthcare 

 

In 2023, the FBI’s Internet Crime Complaint Center (IC3) reported receiving 1,193 complaints of ransomware attacks from organizations in a critical infrastructure sector.1 The healthcare and public health sector accounted for 249 of those attacks—21% of the total and the largest share of any sector.1 

Adding to the difficulty for HIPAA-covered entities and business associates, a ransomware attack on electronic protected health information (PHI) that is encrypted and controlled by the attacker is presumed to be a breach under the HIPAA Breach Notification Rule.2 For organizations not covered by HIPAA, it could be considered a security breach under the Federal Trade Commission’s (FTC) Health Breach Notification Rule.3 

 

Ransomware Costs in Healthcare Go Beyond the Financial 

 

A cyberattack on a healthcare organization can be disruptive and costly. The average total cost for the most expensive cyberattack on healthcare organizations surveyed in a 2023 Ponemon Institute study was $5M, while the average of the costliest ransoms paid was estimated at nearly $1M.4 Unfortunately, paying the ransom does not guarantee restoration of access. The ransomware attack on Change Healthcare in February 2024 reportedly resulted in a $22M ransom payment but the affiliate holding the data refused to release it claiming that he didn’t receive his share of the ransom.5 

While these costs are significant, attacks that block access to medical records or essential patient care services could also put patient safety at risk. The Ponemon study found that disruption to normal healthcare operations was the single biggest cost of an attack averaging 27% of the total cost.4 Of the organizations surveyed in the study, 68% of organizations experiencing a ransomware attack said the attack impacted patient safety and care, including:4 

  • 28% reported an increase in mortality rate
  • 59% reported delays in procedures and tests have resulted in poor outcomes
  • 44% reported an increase in complications from medical procedures
  • 48% reported longer length of stay
  • 46% reported an increase in patients transferred or diverted to other facilities


Employee Security Awareness Is Essential
 

 

All employees should learn ways to avoid these attacks. The following tips can help. They may even be part of the employee handbook or company policies. If you are suspicious of a potential attack, contact your IT staff: 

  1. Do not access company information (such as documents or email) on unauthorized devices.
  2. Be wary of unexpected emails with attachments or links, even if they appear to be from someone you know.
  3. Do not install unauthorized software, including applications, toolbars, or extensions.
  4. Do not respond to emails requesting passwords or confidential information.

With these simple precautions, employees can go from being an easy point of attack to the first line of defense in securing the digital practice. 

Web Banners March 2024 07

Increased Burn Risk with Single-Foil Electrosurgical Return Electrodes

Summary

Adult patients are placed at an unnecessary risk of burns during electrosurgery when single-foil conductive return electrodes are used instead of safer options. Alternatives include the use of dual-foil conductive return electrodes, capacitive return electrodes, or other treatment modalities. ECRI challenges return electrode manufacturers to cease the manufacture and sale of single-foil conductive return electrodes, particularly for adult patients.

Surgical Fires

The term “never event” was coined in 2001 to describe medical errors that should never happen. The National Quality Forum (NQF) now lists 29 types of never events (also referred to as “serious reportable events” by NQF and “sentinel events” by The Joint Commission). Surgical fires are among the most common sentinel events reported by hospitals.

Surgical fires occur in a wide variety of medical settings, from solo practices to large hospitals. Surgical fire prevention depends mostly on fire risk awareness and communication among the members of the surgical team. Any team member can prevent or contribute to a surgical fire because elements of the fire triangle—air (oxygen), fuel (prepping solution, drapes, patient skin), and ignition source (electrosurgical units)—are generally overseen by different members of the surgical team. Therefore, all team members should think about how their actions might inadvertently complete the fire triangle and should communicate with other team members about fire risk status throughout the surgery.

The case studies below address examples of surgical adverse incidents that involve surgical fires. Consider how the various surgical team members could have prevented the fires.

Web Banners March 2024 08

Infusion Pump Damage Remains a Medication Safety Concern

Summary

Damage to an infusion pump can affect its ability to accurately deliver fluids or medications, which may result in dangerous medication administration errors. Pump damage also can distract staff as they look for a replacement device and may ultimately delay therapy for the patient. Furthermore, if the damage goes unnoticed or uncorrected, multiple patients can be put at risk. ECRI challenges manufacturers to advance the technology by designing models that, for example, have fewer damage-prone components, can more reliably prevent gravity flow, and are made from materials that can withstand cleaning with a greater variety of chemicals.

Medication Administration Errors

A recent article by the Institute for Safe Medication Practices highlights the importance of implementing strategies to prevent persistent medication errors and hazards. From the article:

“The Five Rights” are broadly stated expectations set forth with the desire to achieve safe medication practices. The belief is that the five rights will ensure the right patient is given the right medication, at the right dose, at the right time, and via the right route. However, the five rights must be recognized for what they are, merely desired outcomes for safe medication practices. … Ultimately, prevention of medication errors relies on the integrity of several complex, interrelated systems designed with high-leverage safety practices and strategies to reduce risks and limit harm, coupled with clearly defined processes and behavioral expectations.

According to the World Health Organization (WHO), medication errors cause at least one death every day and injure approximately 1.3 million people annually in the United States. Globally, the cost associated with medication errors has been estimated at $42 billion annually.

The case study below highlights the importance of medication management, which includes documentation, reconciliation, and communication.


Web Banners March 2024 09

Poor QC of Implantable Orthopedic Products Can Lead to Surgical Delays and Patient Harm

Summary

A high number of defective single-use medical devices are present in the supply chain. That broad concern remains, but for the current year we’ve focused on one specific product group: implantable products intended for use during orthopedic procedures. The prevalence of quality control (QC) issues related to these products and the potential for significant harm warrant particular attention. Implantable orthopedic products range from simple items—such as bone screws, rods, and plates—to complex ones, like knee and hip prostheses. Defects in these products can delay or prolong surgery and can lead to other harm, including persistent pain or infection, that may not become evident until long after the patient’s surgery. ECRI challenges manufacturers of implantable orthopedic products—and all single-use medical devices—to strive for zero defects in their manufacturing and packaging processes.

Medical Device Defects

Each year, the U.S. Food & Drug Administration (FDA) receives several hundred thousand medical device reports of suspected device-associated deaths, serious injuries, and malfunctions. The ECRI advises healthcare organizations to instruct medical device users to look for and report signs of medical device defects prior to use, tracking defects that are reported and holding manufacturers and distributors accountable, using the organization’s leverage to push for improvements.

The case study below highlights an incident in which the defendant neurosurgeon failed to detect that a patient’s shunt was malfunctioning. A plaintiff’s expert testified the physician was negligent for failing to order a diagnostic test that would have shown the shunt was malfunctioning.

Web Banners March 2024 10
Web Analytics: The New Frontier of HIPAA Privacy Concerns

Third-Party Web Analytics Software Can Compromise Patient Confidentiality

Important aspects of a medical practice’s patient-facing business (appointment scheduling, patient messaging, test results, health reminders, etc.) are increasingly accessible through websites and apps, including patient portals. As a result, the concern for securing patient information has greatly expanded beyond simply ensuring that only authorized persons have access to the medical records room. The personal health information (PHI) of patients now has online exposure. As the number of patients accessing these portals increases (more than doubling from 2017 to 20221), so too does the exposure footprint.

The most obvious aspect of securing PHI in websites or apps is controlling access to patient portals, granting access only to authorized individuals for each patient record. However, practices may not be considering another, more mundane, element of their online footprint that could put them in jeopardy of a HIPAA privacy violation: website analytics and tracking.2

In a joint letter in July 2023 to 130 hospital systems and telehealth providers, the U.S. Department of Health and Human Services Office of Civil Rights and the Federal Trade Commission Bureau of Consumer Protection warned these entities of “the privacy and security risks related to the use of online tracking technologies integrated into their websites or mobile apps”3 that could expose PHI to unauthorized third parties.

While these technologies (such as cookies, tracking pixels, and browser fingerprinting scripts) can be used to analyze app and website performance and general engagement, third parties like Facebook, Google, and others may also use them to track users’ online activities even after they leave the original website.2

Such tracking technologies collect information about users, “usually without their knowledge and in ways that are hard for users to avoid.”3 If the data mining involves PHI, it could be considered an impermissible exposure under HIPAA Rules2 or a security breach under the FTC’s Health Breach Notification Rule.3 And, according to ProAssurance Senior Legal Counsel, Andrea Koehler, “It’s important to remember that PHI includes health information paired with identifiers such as website URLs (uniform resource locators) and IP (internet protocol) addresses, which may be collected by tracking technologies.”

In order to stay compliant with HIPAA and other privacy regulations, practices need to be certain who is collecting data on their websites and apps, what of that information is PHI (including digital identifiers such as URLs and IP addresses), and what safeguards are in place to prevent impermissible disclosure.

News & Updates
Annoying Hospital Beeps Are Causing Hundreds of Deaths a Year

Hospital workers hear up to 1,000 alarm noises per shift, and that sensory overload is costing hundreds of lives. New research suggests there's a fix that could make a significant differencewhile also making key equipment far less annoying. (New Atlas)

Read more →

Prepare for MPL Insurance Industry Disruption

You’ve seen it happen before. New entrants arrive and disrupt whole industries that once seemed impervious to change. Google and Amazon jump to mind, but let’s not forget how Progressive disrupted auto insurance by adding a new data source—actual driving behavior—and analyzing its associated risks. While personal auto insurance led the analytics transformation, commercial insurers are successfully applying big data and advanced analytics to underwriting and claims management for small- and medium-sized enterprises. (MPL Association)

Read more →

Health Systems' Top 9 Digital Health Uses

Surgery prep and recovery is the most popular use of digital health at U.S. health systems, a new survey found.

Meanwhile, chronic disease management experienced the biggest increase in digital health deployment in 2023, with a 50% jump, while several health systems launched digital women's health programs, according to the Feb. 14 report from Xealth, a digital health spinoff from Renton, Wash.-based Providence. (Becker’s Health IT)

Read more →

Why Digital Health Needs a “Strategy Overhaul”

Healthcare is a much different business than retail, hospitality, and tech and must be treated as such by digital health companies looking to succeed, the researchers wrote in the study, "Health Care Platforms Need a Strategy Overhaul."

Digital health platforms won't replace industry services, a la Airbnb or Amazon, but complement them, so the companies should concentrate on a "narrow and well-defined scope and integrate with established ecosystems," the paper's authors said. (Becker’s Health IT)

Read more →

Contact Centers – The Perfect Proving Ground for AI in Healthcare?

Contact center vendor Talkdesk is placing a big bet on generative AI, transforming its technologies and processes with the AI that exploded in popularity with the release of ChatGPT.

Patty Hayward, vice president and general manager for healthcare and life sciences at Talkdesk, said genAI has a clear and non-clinical use case in contact centerswhich is perfect for healthcare since experts agree it's best to prove genAI in non-clinical settings first. (Healthcare IT News)

Read more →

Stakeholders Urge Congress to Take Early Action on Telehealth Access

More than 200 virtual care stakeholders have signed a letter to Congress urging action on telehealth regulations early in the year, asking for more time to implement new policies before pandemic-era waivers expire on December 31, 2024.

The Alliance for Connected Care convened the organizations that sent the letter to congressional leaders last week, arguing that taking action on telehealth flexibilities earlier in the year “will provide much needed certainty, and safeguard against this important policy getting left behind among competing priorities at the end of the year.” (mHealth Intelligence)

Read more →

Ties that Bind updated Banner

Agent or Educator?

March24TTBUpdateEarly in my orthopedic implant sales career, I developed a relationship with a surgeon we'll call Dr. Ed. Despite being a highly competent orthopedic surgeon, Dr. Ed harbored an irrational fear of lawsuits. His anxiety was so palpable that whenever I showed him a new product, he'd jokingly ask whether Oscar, the first name of a well-known local malpractice attorney, advertised for patients who received the product during his late-night TV ads. The surgeon even kept a binder full of newspaper clippings about jury verdicts against doctors that he'd point to whenever a sales rep told him not to worry. I acknowledged his concerns about medical liability risk. Yet I missed the cues he was sending me about how to sell to him.

When showing a new product to Dr. Ed or almost any other surgeon, one of the first questions asked is, "Who else is using this?" Initially, I believed the question stemmed from competitive rivalries where a surgeon would consider the product if a well-respected peer used it and dismiss it if the other doctor was someone they didn't like. However, it went beyond that—many surgeons feared that changing products could lead to a diminished patient outcome and a potential lawsuit. They felt reassured in knowing colleagues used the product. Dr. Ed routinely followed the first question with another: "Do you have any studies?" By "studies," he referred to peer-reviewed research articles in a published medical journal. Physicians and other healthcare professionals learn early in their careers that objective data must support patient treatment decisions. That was part of Dr. Ed’s rationale, but there was something more—he believed that validating his medical decisions with published evidence was his best defense against potential lawsuits.

Shifting from Pitching to Informing

Since merely mentioning a new product to Dr. Ed conjured fears of a subpoena from Oscar the Lawyer, I needed to change my sales approach, and not just for him. Knowing that physicians expect data before buying into a sales pitch led me to rethink my role from product-pusher to educator. One might assume that highly trained professionals like doctors already know what they need to know, but that’s not always the case. Education before the sale is frequently required. Instead of parroting a one-size-fits-all sales pitch, I focused on educating each prospect about issues they may not have considered before introducing the product. The education-first approach paid off well throughout my sales journey. Selling to Dr. Ed taught me that, while knowledge is power, the ability to educate and inform holds even greater strength for those who serve healthcare professionals.

Dr. Ed eventually gave up the surgical part of his practice due to a physical disability. He appeared much happier, mainly from sleeping soundly at night instead of worrying about Oscar. You're not just an MPL insurance agent to your clients but also a trusted advisor who provides insight on medical liability issues. With a commitment to ongoing education on crucial practice matters, ranging from effective patient communication to meticulous documentation practices and adherence to medical standards, you'll earn their business through every contact. As a ProAssurance agent equipped with extensive knowledge, educational resources, and the broadest array of products in the industry, you play a crucial role in helping clients serve their patients effectively while also helping them sleep better at night. That's a win-win scenario you can genuinely take pride in.

Headshots10

 

Written by Mace Horoff of Medical Sales Performance.

Mace Horoff is a representative of Sales Pilot.  He helps sales teams and individual representatives who sell medical devices, pharmaceuticals, biotechnology, healthcare services, and other healthcare-related products to sell more and earn more by employing a specialized healthcare system.

Have a topic you’d like to see covered? Email your suggestions to AskMarketing@ProAssurance.com.

 

Oregon Rate Change

We are committed to responsible pricing that reflects the current risk environment. After a recent review of our rate plan and rating factors, we have updated our rate strategy for new and renewal accounts in Oregon. The following changes, which have been filed and approved, may impact NORCAL insureds:

  • 5% Base Rate IncreaseNovember ProVisions Webpage Graphics14
  • Revised Separate Limits Entity Factors: Increased Separate Limits Entity factors for 2+ group size
  • Revised Physician Specialty Class Factors:
    • Increase: Bariatric Surgery, Cardiovascular Surgery, Emergency Medicine (with Trauma), General Surgery, Neurosurgery, Orthopedic Surgery (including Spinal Surgery), Physician NOC (Major Surgery), Thoracic Surgery, Vascular Surgery
  • Revised Physician Specialty Class Assignments:
    • Increase: Dermatology (Major Surgery), Emergency Medicine, Hospitalist (including ER), Hospitalist (including Minor Surgery), Hospitalist (No Surgery), Ophthalmology (Minor Surgery), Otolaryngology (Major Surgery), Pain Management (Interventional), Plastic Surgery, Radiology (Diagnostic), Radiology (Interventional), Urology (Major Surgery)
    • Decrease: Infectious Disease, Pediatrics (Minor Surgery)

These changes go into effect April 1, 2024, and are applicable to new and renewal accounts. We will notify affected policyholders of the changes.  

March 2024 Digital ProV Footer