MALPRACTICE;

February 26, 2003 |
2003-R-0243 | |
MEDICAL MALPRACTICE RATES | ||
| ||
By: Jerome Harleston, Senior Attorney | ||
You want a comparison of the average medical malpractice rates between Connecticut obstetricians/gynecologists (OB/GNYs) and other specialties with those in states that have excess liability pools or patient compensation funds.
Excess liability pools and patient compensation funds supplement a doctor’s professional liability coverage and provide either coverage or payment for any valid medical malpractice claim that exceeds the amount of the doctor’s primary policy. The pool or fund is financed through a special surcharge or assessment that doctors that participate in the pool or fund pay.
Eight states have excess liability or patient compensations funds. They are Indiana, Kansas, Louisiana, Nebraska, New Mexico, Pennsylvania, South Carolina and Wisconsin.
Connecticut has neither an excess liability nor patient compensation fund.
The rates shown in Table 1 compare the rates for internists, general surgeons and OB/GNYs.
Table 1: Average Medical Malpractice Rate Comparison
STATE |
SPECIALTY |
AVERAGE RATE |
SURCHARGE |
Connecticut |
Internist General Surgeon OB/GNY |
$ 10,612 $ 40,146 $ 82,238 |
|
Indiana |
Internist General Surgeon OB/GYN |
$ 4,216 $ 15,221 $ 20,406 |
State sets surcharge by specialty |
Kansas |
Internist General Surgeon OB/GYN |
$ 4,802 $ 19,445 $ 30,140 |
$ 1,199 $ 4,662 $ 7,207 |
Louisiana |
Internist General Surgeon OB/GYN |
$ 6,918 $ 23,778 $ 32,965 |
$ 4,162 $ 13,135 $ 25,096 |
Nebraska |
Internist General Surgeon OB/GYN |
$ 3,127 $ 10,896 $ 17,786 |
Surcharge is 35% of primary policy premium |
New Mexico |
Internist General Surgeon OB/GYN |
$ 7,802 $ 35,915 $ 35,915 |
Surcharge is % of primary policy premium |
Pennsylvania |
Internist General Surgeon OB/GYN |
$ 10,972 $ 54,521 $ 60,789 |
$ 4,984 $ 21,499 $ 23,951 |
South Carolina |
Internist General Surgeon OB/GYN |
$ 5,745 $ 21,337 $ 28,883 |
$ 3,207 $ 11,790 $ 15,720 |
Wisconsin |
Internist General Surgeon OB/GYN |
$ 5,205 $ 17,433 $ 25,133 |
Surcharge from $ 1,500 to $ 9,000 depending on specialty |
JH: ts