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CRNA's & malpractice insurance



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Dec 05, 2004 02:01 PM

CRNA's & malpractice insurance


Question:

Do CRNA's need malpractice insurance like MD's?

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10 Comments
No. 1
from air
Old Dec 05, 2004, 02:28 PM

Default malpractice ins
Crna's need malpractice insurance also.
Now I do not know if their limits are the same like MD's or DO's.
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No. 2
from CougRN
Old Dec 05, 2004, 02:59 PM

yes they do. the limits are normally 1 million per incident and 3 million per year or policy lenght, i think.
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No. 3
from kachoo414
Old Dec 05, 2004, 03:50 PM

Default affordable?
Originally Posted by CougRN
yes they do. the limits are normally 1 million per incident and 3 million per year or policy lenght, i think.
Is the insurance expensive...(affordable?)
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No. 4
from apaisRN
Old Dec 05, 2004, 03:56 PM

Is it common for your employer to pay for it?
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No. 5
from heartICU
Old Dec 05, 2004, 04:07 PM

Originally Posted by apaisRN
Is it common for your employer to pay for it?
Not sure. My employer is a self-insured institution, and covers my malpractice insurance (both during school and afterwards).
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No. 6
from air
Old Dec 05, 2004, 07:14 PM

Default malp INS
Originally Posted by kachoo414
Is the insurance expensive...(affordable?)
One CRNA I spoke to explained that cost was slightly exhobitant especially when they do some type of Locum that deducts an amount against their Malpractice Insurance.
for example you are paid $X an hour locum, then you have to donate about 6-10% towards your policy coverage.

If you check AANA website they have a better explanation about how the coverages work.

A member of this board had posted that in KS, the premiums are slightly lower R/T a "stabilization fund". I do not know how it works.
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1 Reader Gave Kudos
 
No. 7
from BigDave
Old Dec 05, 2004, 08:13 PM
Updated Dec 06, 2004 at 04:53 AM by BigDave

That sounds about right. One of my patients was a CRNA and did rural locums (aside from his military job) here in Texas for $100/hr and got deducted $45/day for insurance.

Another friend of mine moonlights and the insurance is paid by the emplorer.

If you go to a website such as gaswork.com or gasjobs.com, you will see details of a wide array of arrangements for either employee or emplorer-paid insurance.

There was an interesting article in Anesthesiology News magazine last month that discussed insurance. It said to be wary of hospital paid or provided insurance. They usually go with what's cheaper for them and when the chips fall, the lawyers are there to represent the hospital's best interests, not yours. They suggest that if you are named in a lawsuit, you need to weigh the impact of a negative judgement on your career and if hiring your own lawyer may be in your best interest.
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No. 8
from apaisRN
Old Dec 06, 2004, 08:33 AM

Originally Posted by BigDave
There was an interesting article in Anesthesiology News magazine last month that discussed insurance. It said to be wary of hospital paid or provided insurance. They usually go with what's cheaper for them and when the chips fall, the lawyers are there to represent the hospital's best interests, not yours. They suggest that if you are named in a lawsuit, you need to weigh the impact of a negative judgement on your career and if hiring your own lawyer may be in your best interest.
That makes sense. You hear the same things about insurance for RNs. It's a controversial topic, but as an RN I carry my own insurance because I know that even if I'm coverd by the hospital, they would happily hang me out to dry if it saved their own tails. Seems like the ideal thing for CRNA insurance is that the employer pays, but you select the policy and it is an individual policy.
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No. 9
from eph432girl
Old Dec 06, 2004, 08:54 AM

Default good points
Originally Posted by apaisRN
That makes sense. You hear the same things about insurance for RNs. It's a controversial topic, but as an RN I carry my own insurance because I know that even if I'm coverd by the hospital, they would happily hang me out to dry if it saved their own tails. Seems like the ideal thing for CRNA insurance is that the employer pays, but you select the policy and it is an individual policy.
good pearls of wisdom from apais and dave.......Thanks for stating what many of you might already know (for the ones of us who don't know yet)... Christine
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