Q. I am currently insured with the Psychiatrists' Program. I practice in
Ohio but will soon be leaving for two weeks to serve as a volunteer in the
Gulf Coast areas affected by the recent hurricanes. Will my insurance policy
cover my volunteer psychiatric services?
A. Yes. Psychiatrists insured through The Program are covered for
the rendering of psychiatric services as a volunteer. However, psychiatrists
who wish to volunteer in a state where they are not licensed must check with
the licensing authority before providing treatment. Please go to the Web site
or call (800) 245-3333 for more information regarding the licensing
requirements and other risk management information related to
Q. I am opening a private practice next year. My lawyer told me that I
need insurance to cover liability exposures on my premises. Does the
Psychiatrists' Program offer this type of coverage?
A. The Psychiatrists' Program provides premises liability coverage
at no additional cost as part of your professional liability insurance
coverage. The limits of liability are equal to the liability limits for your
malpractice coverage (coverage and limits may vary by state).
Premises liability insurance is necessary to protect your practice. It is
also widely known as "slip and fall" coverage. It provides
coverage for claims of bodily injury, property damage, and/or personal injury
caused by an occurrence and arising out of the ownership, maintenance, or use
of a medical office or clinic of the insured premises. Without this coverage,
you are gambling with your financial future.
Q. Now that the compliance deadlines for the Health Insurance
Portability and Accountability Act (HIPAA) regulations have passed, I have the
appropriate policies and procedures in place, and my employees have all been
trained. However, as time passes, I am finding that some more complex
situations regarding the regulations are beginning to arise. Can you recommend
a resource to help me understand these issues?
A. Professional Risk Management Services Inc. (PRMS) has recognized
the need for an even more in-depth understanding of the intricacies of these
complicated regulations as new and complex situations arise. To that end, PRMS
has developed a resource book, Beyond the Basics, featuring a
compilation of risk management resources addressing HIPAA. From easy-to-use
checklists to in-depth articles, this book answers many tough questions. Among
To order Beyond the Basics, which costs $79.95, please visit<www.prms.com>
or call (800) 245-3333, ext. 347.
This column is provided by PRMS, manager of the Psychiatrists'
Program, for the benefit of members. More information about The Program is
available by visiting its Web site at<www.psychprogram.com>;
calling (800) 245-3333, ext. 389; or sending an e-mail to