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Coronavirus (COVID-19) Frequently Asked Questions and Risk Resources

The coronavirus (COVID-19) pandemic is generating questions and concerns. As your risk resource partner, we are here to help you with prevention strategies as well as with navigating emerging issues related to the coronavirus (COVID-19). We are also here to serve you, our customers, as you continue to play a vital role in supporting the health care in our communities. We can share the latest information and problem-solve difficult issues together. We are stronger together.

A letter from our Chief Medical Officer

FAQs

Coverage Questions:

Our standard medical professional liability insurance provides coverage for an adverse or unanticipated outcome resulting from professional services provided or that should have been provided by an insured or someone for whom the insured is liable.

Please note the FAQ responses are general in nature and based on our standard insuring agreements. All coverage is subject to the actual terms and conditions of your policy and specific allegations of any claim.  Please contact your agent or underwriter for the most accurate and comprehensive information on your policy.

  1. Does my policy cover me for patient claims involving treatment and care of COVID-19?

Yes. We anticipate allegations of professional negligence related to COVID-19 would be covered. However, actual coverage determination would be based on the specific allegations of the claim.

  1. Does my policy cover me for virtual care/telemedicine?

Yes. Virtual care/telemedicine is covered by your policy provided you are authorized to provide care in the applicable state(s). Please check state licensing requirements not only where you are located, but also where the patient resides to be sure you are providing services only in states in which you are authorized or licensed to practice.

Please notify us of any new states you may be providing services.  Some states have patient compensation funds in place as part of their payment system for damages relating to malpractice, we can help you determine if a fund applies or if the practice in a particular state is not covered under the fund of your primary practice state.

  1. Does my policy cover me if I practice in additional states?

We do not limit coverage to specific states if you are practicing within current licensing and training requirements.   Please check state licensing requirements; states may waive licensure requirements on a state-by-state basis.

Please notify us of any new states you may be providing services.  Some states have patient compensation funds in place as part of their payment system for damages relating to malpractice, we can help you determine if a fund applies or if the practice in a particular state in not covered under the fund of your primary practice state.

  1. Does my policy cover me if I temporarily practice outside my specialty or practice?

We do not limit coverage to your specialty if you are practicing within current licensing and training requirements.   Please consider your training, experience, and competence in performing any medical services outside of your current practice specialty.

  1. Does our policy provide coverage for non-physician health care professionals providing services outside of our facility?

We provide coverage for your employed health care professionals for the services they provide within the scope and direction of their employment.  The coverage is not limited to a specific location.

  1. Does our policy provide coverage for non-physician health care professionals providing services outside their specialty?

We do not limit coverage to certain specialties if providers are practicing within their current licensing and training requirements.

  1. Does my policy provide coverage for volunteer work?

Yes, our standard professional liability covers you for all professional services you provide within your licensure and training.   Please check with your agent or underwriter to determine if there are any limitations to be aware of on your policy.

  1. Does our policy provide coverage for volunteers?

Please contact your agent or underwriter to discuss.  We do require some health care professionals, such as physicians, to be listed on your policy for coverage to extend to them.

  1. What if I recently retired from the practice of medicine, received a free extended reporting endorsement (tail) and have been asked to return to practice? Will my extended reporting endorsement remain in effect?

Yes, your extended reporting endorsement will remain in effect without additional premium. Your extended reporting period does not, however, provide coverage for any services you provide after it became effective.

  1. Our facility is considering opening a daycare for our employees; would we have coverage for this?

If you currently have general liability coverage with us, we can underwrite this exposure. Please contact your agent or underwriter for more information on coverage and recommendations to consider.

  1. Does my policy include business interruption coverage?

We do not offer business interruption coverage.  Please check with your agent regarding other possible coverage.

Billing Questions:

What if my premium payment is impacted by COVID-19?

We understand that Coronavirus has adversely impacted many of your businesses.  Should you have a question or concern about your premium payments, please don’t hesitate to contact your agent, underwriter or our finance team.  You can reach our finance team at the following email addresses:

Accounts.Receivable@arkansasmutual.com
Accounts.Receivable@mmicgroup.com
AccountsReceivable@umia.com

Other Questions:

  1. Can I get support from my carrier in understanding the changing risks during the public health emergency?

Yes, contact your risk and patient safety representative or email patientsafety@constellationmutual.com.  We can share the latest information and problem-solve difficult issues together.

  1. What should I consider if I send my staff to work in an alternative site outside our facility?

From a risk and patient safety standpoint, you should consider the services your staff are being asked to provide at these sites.  Is the task in their scope of practice?  Do they have training and competence to perform the task?  Do they understand the use of any PPE (personal protective equipment) that may be provided at the alternative site?

  1. I have retired from the practice of medicine and let my license expire, can I practice as a physician?

Some state licensing boards have changed the regulations surrounding temporary licenses, practicing with licenses from other states, as well re-activating licenses or extending renewals.  Check with the specific state board of medicine for guidance.

COVID-19 Risk Resources

Please contact your risk and patient safety representative or email PatientSafety@ConstellationMutual.com with any questions or concerns.

All-hazards Risk Assessment Toolkit

The Healthcare and Public Health (HPH) Risk Identification and Site Criticality (RISC) Toolkit is an all-hazards risk assessment for health care organizations that can be used to inform emergency preparedness planning, risk management activities, and resource investments. The toolkit was developed in collaboration with government and private sector experts in emergency management, physical security and cybersecurity.

The RISC Toolkit contains three self-assessment modules that allow users to identify external threats and internal hazards, assess vulnerabilities, and evaluate the criticality, consequences and impact in the event of an incident.

CDC and CMS Free Long Term Care Infection Preventionist Training

The Centers for Disease Control and Prevention (CDC) and the Centers for Medicare and Medicaid Services (CMS) have launched a free infection preventionist training program for senior living and long term care organizations to meet the required infection prevention training Requirements for Participation for Nursing Homes.. Read more at https://www.cms.gov/newsroom/fact-sheets/cms-cdc-offer-specialized-online-infection-prevention-and-control-training-nursing-home-staff-long

IHI Launches Better Maternal Outcomes Rapid Improvement Network

The Institute for Healthcare Improvement (IHI) has launched a free six-month initiative, Better Maternal Outcomes Rapid Improvement Network, designed for hospitals and health care systems with at least 1,000 deliveries per year. The goal of the network is to equip participants with the knowledge and skills to needed to reliably implement promising practices and improve care delivery for all women and newborns.

The first 6 month-wave of activities will begin in May 2019. Subsequent waves will invite providers in hospitals with smaller delivery numbers. Information on how to join, along with webinar recordings can be found on the Improvement Network’s website.

AHA Telehealth Report

Telehealth is part of a larger digital transformation in health care. The electronic health record, omnipresent mobile devices and faster internet connections have provided new ways for patients and providers to interact. AHA‘s Center for Health Innovation released a report, Telehealth A Path to Virtual Integrated Care, to help hospitals and health systems create a strategy for digital transformation. AHA offers other telehealth resources, assessments, how to guides and case studies.

CONSTELLATION INTRODUCES DIRECT PURCHASE OF MEDICAL PROFESSIONAL LIABILITY INSURANCE FOR DENTISTS

Option to buy online at InsureCAREteams.com aims to save time

Minneapolis, MN – March 11, 2019 – Constellation today announced that dentists in Utah, Colorado, Idaho, Wyoming, Montana, Nebraska and Oregon will now be able to buy its medical professional liability insurance directly from member companies MMIC and UMIA via a new product available at InsureCAREteams.com.

Constellation, MMIC and UMIA are rated “A” Excellent by the insurance rating agency A.M. Best. And their customer retention rate – 97 percent in 2018 – is among the highest in the industry.

“Through InsureCAREteams.com, dentists will have 24/7 access to our insurance protection – and they will be able to purchase the coverage they need quickly and easily,” said Bill McDonough, president & CEO of Constellation. “By offering an efficient online purchase option, we aim to help free dentists from administrative work to allow more time with patients.”

The MPL insurance products available via InsureCAREteams.com are the same as those traditionally offered by brokers and agents – and they come with the same high level of support from UMIA and MMIC.

Dentists who purchase liability insurance via the website will benefit from the claim experience of UMIA and MMIC, leading medical liability insurance companies in the Mountain States and Midwest, respectively, which together serve more than 20,000 clinicians.

Using InsureCAREteams.com, dentists can apply online for insurance for themselves and other team members in just minutes, avoiding long applications and lengthy waits for a quote.

“Time is precious in today’s dental and health care practices,” said McDonough. “We’re committed to helping our clients make the most of the hours they invest in their practices.”

About Constellation
Constellation is a growing portfolio of medical professional liability insurance and “beyond insurance” companies formed in response to the ever-changing realities of health care and dedicated to reducing risk and supporting physicians and care teams, thereby improving business results. For more information, visit: www.ConstellationMutual.com

Contact information
Angela Churchill (Angela.Churchill@ConstellationMutual.com)

Patient Safety Awareness Week March 10-16, 2019

Play an active role in support of Patient Safety Awareness Week, March 10-16 by sharing your organization’s plans and by following us on Twitter for ideas and inspiration. Follow Constellation @together_4_good, to learn what Constellation and its growing portfolio of medical professional liability insurance companies, including MMIC, UMIA and Arkansas Mutual, is doing to help reduce patient risk and support physicians and care teams.

HHS Releases New Cybersecurity Practices

HHS has released Health Industry Cybersecurity Practices: Managing Threats and Protecting Patients, a collaborative publication by HHS and its industry partners with consensus-based voluntary cybersecurity guidelines to reduce cybersecurity risks for health care organizations of varying sizes, ranging from local clinics, regional hospital systems, to large health care systems. The publication outlines five cybersecurity threats and ten practices to mitigate those threats.

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