Re: Malpractice Insurance Fees and Part-time Status

[Guest guest]

I did it.fulltime malpractice 12-15K my premiums 5K half time practice and moved to a cheaper carrier.LynnTo: From: michelle.eads@...Date: Mon, 12 Sep 2011 19:12:59 -0600Subject: RE: Malpractice Insurance Fees and Part-time Status

Do it

Eads, MD

Pinnacle Family Medicine

Colorado Springs, CO

www.PinnacleFamilyMedicine.com

From:

[mailto: ] On Behalf Of ldlcsamson

Sent: Monday, September 12, 2011 6:19 PM

To:

Subject: Malpractice Insurance Fees and Part-time

Status

I am considering cutting down my hours to 25 to

save on malpractice insurance costs. I am able to do my work in this amount of

time. Any pros and cons to this? It will be a $2,000 difference in the fees; my

volume is not high enough to need more than 25 hours. Any IMP opinions or sage

advice? Thank you very much.

[Guest guest]

In Colo., <25 hours of DIRECT patient care is considered part time. That is what

I do, and it about half the cost. I actually work more hours doing all the other

stuff we do, but it works. Hours 9-12 and 2-5 four days a week in care. Of

course, it often goes beyond 5 and some on the weekends but who's counting?

________________________________________

From:

[ ] On Behalf Of Eads

[michelle.eads@...]

Sent: Monday, September 12, 2011 7:12 PM

To:

Subject: RE: Malpractice Insurance Fees and Part-time

Status

Do it

Eads, MD

Pinnacle Family Medicine

Colorado Springs, CO

www.PinnacleFamilyMedicine.com

From:

[mailto: ] On Behalf Of ldlcsamson

Sent: Monday, September 12, 2011 6:19 PM

To:

Subject: Malpractice Insurance Fees and Part-time Status

I am considering cutting down my hours to 25 to save on malpractice insurance

costs. I am able to do my work in this amount of time. Any pros and cons to

this? It will be a $2,000 difference in the fees; my volume is not high enough

to need more than 25 hours. Any IMP opinions or sage advice? Thank you very

much.

[Guest guest]

Thanks for the input. Will use the parttime option as cost difference is huge and can make it work within those hours.  Thank you.

In Colo., <25 hours of DIRECT patient care is considered part time. That is what I do, and it about half the cost. I actually work more hours doing all the other stuff we do, but it works. Hours 9-12 and 2-5 four days a week in care. Of course, it often goes beyond 5 and some on the weekends but who's counting?

________________________________________From: [ ] On Behalf Of Eads [michelle.eads@...]

Sent: Monday, September 12, 2011 7:12 PM

To: Subject: RE: Malpractice Insurance Fees and Part-time StatusDo it

Eads, MDPinnacle Family MedicineColorado Springs, COwww.PinnacleFamilyMedicine.comFrom: [mailto: ] On Behalf Of ldlcsamson

Sent: Monday, September 12, 2011 6:19 PMTo: Subject: Malpractice Insurance Fees and Part-time Status

I am considering cutting down my hours to 25 to save on malpractice insurance costs. I am able to do my work in this amount of time. Any pros and cons to this? It will be a $2,000 difference in the fees; my volume is not high enough to need more than 25 hours. Any IMP opinions or sage advice? Thank you very much.

------------------------------------

[Guest guest]

Hey Liza ~

YEP! Part time is way to go for sanity and malpractice rates.

After 6 years in practice I am paying less than 4K per year!

Even got money back somehow last year. . .Okay. . . Cool!

Pamela

Pamela Wible, MD

3575 St. #220 

Eugene, OR 97405

www.idealmedicalcare.org

" (S)He is the best physician who is the most ingenious inspirer of hope. "

~ Coleridge

>

> > In Colo., <25 hours of DIRECT patient care is considered part time. That is

> > what I do, and it about half the cost. I actually work more hours doing all

> > the other stuff we do, but it works. Hours 9-12 and 2-5 four days a week in

> > care. Of course, it often goes beyond 5 and some on the weekends but who's

> > counting?

> > ________________________________________

> > From: [

> > ] On Behalf Of Eads [

> > michelle.eads@...]

> > Sent: Monday, September 12, 2011 7:12 PM

> > To:

> > Subject: RE: Malpractice Insurance Fees and

> > Part-time Status

> >

> > Do it

> >

> > Eads, MD

> > Pinnacle Family Medicine

> > Colorado Springs, CO

> > www.PinnacleFamilyMedicine.com <http://www.pinnaclefamilymedicine.com/>

> >

> >

> >

> > From: [mailto:

> > ] On Behalf Of ldlcsamson

> > Sent: Monday, September 12, 2011 6:19 PM

> > To:

> > Subject: Malpractice Insurance Fees and Part-time

> > Status

> >

> >

> >

> > I am considering cutting down my hours to 25 to save on malpractice

> > insurance costs. I am able to do my work in this amount of time. Any pros

> > and cons to this? It will be a $2,000 difference in the fees; my volume is

> > not high enough to need more than 25 hours. Any IMP opinions or sage advice?

> > Thank you very much.

> >

> >

> >

> >

> > ------------------------------------

> >

> >

[Guest guest]

In New York if you are on call for yourself you can't claim part time status. Every year I try but if I answer a single phone call out of the 20 hours they allow as part time then my insurance will be null and void! Good luck.

To: " " < >Sent: Tuesday, September 13, 2011 9:31 AMSubject: RE: Malpractice Insurance Fees and Part-time StatusIn Colo., <25 hours of DIRECT patient care is considered part time. That is what I do, and it about half the cost. I actually work more hours doing all the other stuff

we do, but it works. Hours 9-12 and 2-5 four days a week in care. Of course, it often goes beyond 5 and some on the weekends but who's counting?________________________________________From: [ ] On Behalf Of Eads [michelle.eads@...]Sent: Monday, September 12, 2011 7:12 PMTo: Subject: RE: Malpractice Insurance Fees and Part-time StatusDo it Eads, MDPinnacle

Family MedicineColorado Springs, COwww.PinnacleFamilyMedicine.comFrom: [mailto: ] On Behalf Of ldlcsamsonSent: Monday, September 12, 2011 6:19 PMTo: Subject: Malpractice Insurance Fees and Part-time StatusI am considering cutting down my hours to 25 to save on malpractice insurance costs. I am able to do my work in this amount of time. Any pros and cons to this? It will be a $2,000 difference in the fees; my volume is not high enough to need

more than 25 hours. Any IMP opinions or sage advice? Thank you very much.------------------------------------

[Guest guest]

Just be careful how you report your hours.

My schedule is similar: 9-12 and 2-5, but the underwriter counts the 2 hour

break as " office posted hours " and therefore is counting towards total

patient care hours.

It is baloney, but I am stuck! ( There is only this ONE major carrier for

individual physicians in entire state of land-can you say " monopoly " ?)

R

Ramona G. Seidel, MD

www.baycrossingfamilymedicine.com

Arnold, MD

410 518-9808

Malpractice Insurance Fees and Part-time

Status

I am considering cutting down my hours to 25 to save on malpractice

insurance costs. I am able to do my work in this amount of time. Any pros

and cons to this? It will be a $2,000 difference in the fees; my volume is

not high enough to need more than 25 hours. Any IMP opinions or sage advice?

Thank you very much.

------------------------------------

[Guest guest]

Who told you this MLMIC themselves some attorney, the medical society... another doc???? Who and what was the source of this information? I was about to have it out with MLMIC myself over the concept of number of patients seen per day per week verses posted office hours... Clearly a doc who sees as many patients in a day or so as some IMP's see in an entire week, rocking 'em thru like a deli counter meat market, has so many more times increases in exposure and risk, 1) just because of the difference in volumm itself no less the lower level of care and less attention to details or more facts and issues, per patient.. We all know their bean counters have worked these numbers and have access to this kind of data... We the small and slow careful personal practices are offsetting and actually

financing either the increased risk and losses for those other docs and their carriers while we are getting taken to the cleaners and our pockets picked clean....

To: " " < >Sent: Tuesday, September 13, 2011 9:23 PMSubject: Re: Malpractice Insurance Fees and Part-time Status

In New York if you are on call for yourself you can't claim part time status. Every year I try but if I answer a single phone call out of the 20 hours they allow as part time then my insurance will be null and void! Good luck.

To: " " < >Sent: Tuesday, September 13, 2011 9:31 AMSubject: RE: Malpractice Insurance Fees and Part-time StatusIn Colo., <25 hours of DIRECT patient care is considered part time. That is what I do, and it about half the cost. I actually work more hours doing all the other stuff we do, but it works. Hours 9-12 and 2-5 four days a week in care. Of course, it often goes beyond 5 and some on the weekends but who's

counting?________________________________________From: [ ] On Behalf Of Eads [michelle.eads@...]Sent: Monday, September 12, 2011 7:12 PMTo: Subject: RE: Malpractice Insurance Fees and Part-time StatusDo it Eads, MDPinnacle Family

MedicineColorado Springs, COwww.PinnacleFamilyMedicine.comFrom: [mailto: ] On Behalf Of ldlcsamsonSent: Monday, September 12, 2011 6:19 PMTo: Subject: Malpractice Insurance Fees and Part-time StatusI am considering cutting down my hours to 25 to save on malpractice insurance costs. I am able to do my work in this amount of time. Any pros and cons to this? It will

be a $2,000 difference in the fees; my volume is not high enough to need more than 25 hours. Any IMP opinions or sage advice? Thank you very much.------------------------------------

[Guest guest]

MLMIC -- repeatedly, once a year for the last 3 years! There is a long process to appeal it if you have the time. I didn't since they said others have and it has ALWAYS been turned down.

To: " " < >Sent: Wednesday, September 14, 2011 2:18 AMSubject: Re: Malpractice Insurance Fees and Part-time Status

Who told you this MLMIC themselves some attorney, the medical society... another doc???? Who and what was the source of this information? I was about to have it out with MLMIC myself over the concept of number of patients seen per day per week verses posted office hours... Clearly a doc who sees as many patients in a day or so as some IMP's see in an entire week, rocking 'em thru like a deli counter meat market, has so many more times increases in exposure and risk, 1) just because of the difference in volumm itself no less the lower level of care and less attention to details or more facts and issues, per patient.. We all know their bean counters have worked these numbers and have access to this kind of data... We the small and slow careful personal practices are offsetting and actually financing either the increased risk and losses for those other docs and their carriers while we are getting taken to the cleaners and our pockets picked

clean....

To: " " < >Sent: Tuesday, September 13, 2011 9:23 PMSubject: Re: Malpractice Insurance Fees and Part-time Status

In New York if you are on call for yourself you can't claim part time status. Every year I try but if I answer a single phone call out of the 20 hours they allow as part time then my insurance will be null and void! Good luck.

To: " " < >Sent: Tuesday, September 13, 2011 9:31 AMSubject: RE: Malpractice Insurance Fees and Part-time StatusIn Colo., <25 hours of DIRECT patient care is considered part time. That is what I do, and it about half the cost. I actually work more hours doing all the other stuff we do, but it works. Hours 9-12 and 2-5 four days a week in care. Of course, it often goes beyond 5 and some on the weekends but who's

counting?________________________________________From: [ ] On Behalf Of Eads [michelle.eads@...]Sent: Monday, September 12, 2011 7:12 PMTo: Subject: RE: Malpractice Insurance Fees and Part-time StatusDo it Eads, MDPinnacle Family

MedicineColorado Springs, COwww.PinnacleFamilyMedicine.comFrom: [mailto: ] On Behalf Of ldlcsamsonSent: Monday, September 12, 2011 6:19 PMTo: Subject: Malpractice Insurance Fees and Part-time StatusI am considering cutting down my hours to 25 to save on malpractice insurance costs. I am able to do my work in this amount of time. Any pros and cons to this? It will

be a $2,000 difference in the fees; my volume is not high enough to need more than 25 hours. Any IMP opinions or sage advice? Thank you very much.------------------------------------

[Guest guest]

If you have disability insurance, make sure you are working the minimum for

them. The company I use requires 20 hrs minimum to maintain the insurance.

Craig

>

> > In Colo., <25 hours of DIRECT patient care is considered part time. That is

> > what I do, and it about half the cost. I actually work more hours doing all

> > the other stuff we do, but it works. Hours 9-12 and 2-5 four days a week in

> > care. Of course, it often goes beyond 5 and some on the weekends but who's

> > counting?

> > ________________________________________

> > From: [

> > ] On Behalf Of Eads [

> > michelle.eads@...]

> > Sent: Monday, September 12, 2011 7:12 PM

> > To:

> > Subject: RE: Malpractice Insurance Fees and

> > Part-time Status

> >

> > Do it

> >

> > Eads, MD

> > Pinnacle Family Medicine

> > Colorado Springs, CO

> > www.PinnacleFamilyMedicine.com <http://www.pinnaclefamilymedicine.com/>

> >

> >

> >

> > From: [mailto:

> > ] On Behalf Of ldlcsamson

> > Sent: Monday, September 12, 2011 6:19 PM

> > To:

> > Subject: Malpractice Insurance Fees and Part-time

> > Status

> >

> >

> >

> > I am considering cutting down my hours to 25 to save on malpractice

> > insurance costs. I am able to do my work in this amount of time. Any pros

> > and cons to this? It will be a $2,000 difference in the fees; my volume is

> > not high enough to need more than 25 hours. Any IMP opinions or sage advice?

> > Thank you very much.

> >

> >

> >

> >

> > ------------------------------------

> >

> >