COVID-19 (Coronavirus) Outbreak Preparedness

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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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 underwrite this exposure. Please contact your agent or underwriter for more information on coverage and recommendations to consider.
  11. 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:

  1. 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.
  2. 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?
  3. 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 Consultant or email PatientSafety@ConstellationMutual.com with any questions or concerns.

Risk and Patient Safety Consultant:
Betty VanWoert, RN BSN CPHRM
515-267-2657
Betty.VanWoert@ConstellationMutual.com

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3/12/20 Webinar: A Calm & Controlled Approach to Managing Coronavirus

Click here to watch the Recorded Webinar

Original Presentation date: Thursday, March 12, 2020

Presented by Bob McNaney
Padilla Senior VP of Crisis + Critical Issues

Effectively preparing for and managing a coronavirus outbreak is something virtually every smart organization in all corners of the world and across the U.S. are thinking about right now. Constellation, in concert with its crisis communication partner Padilla, is hosting a live webinar to address best practices. Identifying your key stakeholders and communicating with them in a calm, timely manner can mean the difference between a well-managed event or a situation that puts patient’s/resident’s health at risk and your organization’s reputation in peril.

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Rebecca Tutton, RN JD Retirement Announcement

Rebecca Tutton, RN, JD. has retired from Arkansas Mutual as our Risk Manager and Patient Safety Consultant as of December 25, 2019.  She is a huge asset to our company and many of you, our policyholders, have talked to her and taken advantage of her wealth of knowledge.  We are sad about her departure but know she will enjoy her retirement.

Going forward, please direct whatever questions you would have posed to her to Betty Van Woert, RN BSN, CPHRM.  Betty will be able to work with you as Rebecca did.  Please click her name for her Bio and Contact Information. You may also contact Joyce Wilson, Customer Service at our office 501-716-9190.

As always, you will still have access to the ‘Patient Safety’ section of our website to access all of our Risk Management and Patient Safety resources: https://www.arkansasmutual.com/risk-management/

 

2018 Financial Highlights – Constellation Insurance Companies

 

 

Please click here to download a PDF

2018 Financial Highlights – Constellation Insurance Companies
Constellation is a growing portfolio of medical professional liability insurance companies, which currently includes MMIC in the Midwest, UMIA in the Mountain States, and Arkansas Mutual. Together, these organizations collaborate throughout much of the country to offer our health care and long-term care clients a market-leading blend of financial stability, highly responsive customer service, and innovative approaches to liability risk management. Our dedication to care teams informs all we do, as we believe that what’s good for care teams is good for business. In 2018, we worked “together for the common good” to achieve another year of impressive results, as well as strong positioning for our future.

“A” rated by A.M. Best

A.M. Best, the most widely recognized insurance rating agency, affirmed our financial stability with an “A” (“Excellent”) rating. Our ongoing financial strength enables us to deliver superior service to our policyholders while continuing to invest in opportunities that will drive future growth. Ultimately, our solid financial position fuels our mission to help physicians and all those who devote their lives to health care attain their dream—to help, heal and serve.

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FDA Warning on Vaginal Cosmetic Procedures

MEMO

To:                  Arkansas Mutual Policyholders: OB/GYN, Family Practitioners, Plastic Surgeons
From:              Rebecca Tutton, RN, JD, Risk and Patient Safety, Arkansas Mutual Insurance Company, Rebecca.tutton@arkansasmutual.com

Dear Policyholders:

I have provided a link to an FDA warning that came out June 30, 2018 regarding the use of energy-based devices to perform vaginal “rejuvenation” or vaginal cosmetic procedures, at the end of this memo.

An FDA August 2, 2018 update letter included some manufacturers that had been overlooked in the June 30 letter. I have included the link to this letter as well.

The warning states

“we alert patients and health care providers that the use of energy-based devices (commonly radiofrequency or laser) to perform vaginal rejuvenation, cosmetic vaginal procedures or non-surgical vaginal procedures to treat symptoms related to menopause, urinary incontinence, or sexual function may be associated with serious adverse events. The safety and effectiveness of energy-based devices for treatment of these conditions has not been established.”

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Is the Sky Really Falling? An Attorney’s Perspective on Tort Reform

By Jason Hendren with Wright, Lindsey & Jennigs LLP (Rogers, AR)

Original Publication in Arkansas Hospitals (AR Hospital Association), Summer 2018 Publication

On November 6, 2018, Arkansans will have the opportunity to vote on “issue 1,” which if passed would put several “tort reform” measures into effect beginning 1/1/2019. Issue 1 contains five proposals: (1) limits on attorney contingency fees; (2) caps on non-economic damages; (3) caps on punitive damages; (4) changes in the way rules of pleading, practice and procedure are governed in civil court cases; and (5) preservation of the right to trial by jury.

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Arkansas malpractice law illegal, Griffen rules before trial

This story is from NWA Arkansas Democrat Gazette. Please click here for the original article.

January 9, 2018

By John Lynch

A Pulaski County circuit judge has declared as unconstitutional a law that shields Arkansas doctors accused of malpractice from being questioned at trial about whether their performance was adequate.

In a lawsuit against a Little Rock plastic surgeon scheduled for to begin January 9, 2018, Pulaski County Circuit Judge Wendell Griffen ruled that the law, a provision of the Arkansas Medical Malpractice Act, illegally bars patients who have sued their doctors from being able to ask the physicians about the “core” issue of their litigation.

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