[kachoo414]

Question:

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

[air]

Crna's need malpractice insurance also.
Now I do not know if their limits are the same like MD's or DO's.

[CougRN]

yes they do. the limits are normally 1 million per incident and 3 million per year or policy lenght, i think.

[kachoo414]

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?)

[apaisRN]

Is it common for your employer to pay for it?

[heartICU]

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).

[air]

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.

[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.

[apaisRN]

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.

[eph432girl]

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