Tag: claims

Worst Medical Negligence Claims In History

Despite the advanced preparation that doctors have, there are still some unfortunate cases when patients are wrongfully diagnosed and they end up in a worse health state or even die. While mistakes are easier to ignore in other domains, when it comes to humans’ health it is basically impossible to close an eye to this kind of treatment. We know that money cannot restore your well-being once you have been the victim of medical malpractice, but filing medical negligence claims can help you gain the compensation you need to undergo corrective medical treatments.

Such was the case of several patients who are known today as the worst cases of medical malpractice in history. At the top of the list are two unfortunate male patients who have lost their genital organs as a result of their doctors’ incompetence. First, an American doctor, named Francisco Ortiz has accidentally immersed the penis of his patient in a solution that contained too much acid causing severe physical mutilations. Another mistake was performed by a Romanian doctor who in an act of insanity cut off his patient’s penis and then chopped it into smaller pieces. Both patients haven’t been able to fully recover after these incidents.

The second worst medical negligence took place in the 70s when doctor James Burt performed a series of surgical operations on their female patients without their consent, more specifically, he modified their genital organs in order to test whether the women will obtain increased sexual responsiveness or not. The results didn’t turn out as planned for the majority of the women faced severe complications which had to be solved through further surgical interventions.

Surgeries are the most dangerous medical procedures according to a recent report because many medical claims are filed as a result of the mistakes that doctors make during operations. The most recent and terrifying incident took place in 2001 when a doctor used a screwdriver to replace the steel rods that are normally inserted in the spine to correct deficiencies. The screwdriver was not accepted by the body and the patient had to suffer multiple surgeries to recover from the trauma.

The mistakes that doctors make are not always physical, but also mentally related. A psychiatrist has determined a young student to commit suicide after repeatedly subjecting him to brainwashing techniques involving sexually-related messages.

None of these patients had expected this to happen to them. Their only escape was the medical negligence claims they have filed with the help of their lawyers. This is why it is important to hire only the best legal consultants on the market.

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Types Of Claims Covered Under Medical Malpractice Insurance

In case you have suffered from a fraud due to medical misconduct, you might take help from medical malpractice insurance. Another reason for you to appreciate this is because there are many types of this kind of insurance.

In this article, let us discuss the main types of medical misconduct protection policies and their coverages.

Claims-Made Insurance Coverage: A claims-made insurance coverage for any kind of medical misconduct is specially designed to provide protection throughout the period in which the insurance is in force and active. Thus, if an individual is willing that his/her insurance claim will be accepted by one of the many medical malpractice insurance companies, the claim would be required to get filed during the period when the insurance coverage is active.

However, later, if a doctor, surgeon or any other medical personnel decides to switch to some other insurance policy or cancels the policy, the policy will be no longer be able to accept any future requests to claim the amount of the medical insurance, even if, the alleged neglect took place while the insurance was active.

Factually, the medical malpractice insurance rates Illinois for this type of policy are by and large more affordable than some of the alternative options since the period of insurance is limited and eliminates the potential of future liabilities.

Tail Insurance Coverage and Preceding Acts: The claims-made insurance coverage is usually taken out by the medical professional, tail insurance coverage provides some extra benefits. In case a medical personnel is willing to have some extra assurance over the liability coverage for such an insurance claim that might be reported after the relapse of the standard insurance term, then, this add-on protection is probably highly desirable. This add-on protection is termed as tail coverage. When this extra coverage is purchased elsewhere, tail insurance coverage is referred to as preceding acts coverage.

Occurrence Insurance Coverage: An occurrence medical misconduct protection coverage policy offers wider coverage option. In this type of insurance coverage, claim can be filed at any time, however, the incident must have took place when the insurance coverage was in force. Also, it is immaterial that whether a policy has been canceled or expired as it reports an act of negligence. Due to the wider insurance coverage and high malpractice insurance rates provided by occurrence insurance coverage, it often attracts the higher insurance rates of medical misconduct as compared to the coverage rates of claims-made policies.

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How Does Medical Billing Software Help Ease The Process Of Insurance Claims

In this day and age where everything is turning digital including books, magazines and utility billing statements, it is not so much a surprise that insurance companies prefer if they receive your claims with a digital copy of the billing from their partner hospitals. How does one do this, you ask? Through the Medical Billing Software, insurance companies can be able to receive the exact details and information on the particular procedures and medicines that a patient/insurance subscriber needs.

Medical billing software and the Health Insurance Portability and Accountability Act (HIPAA)

The HIPAAs introduction pushed insurance companies to look for a particular software or system that can answer to the laws requirements. Under the HIPAA, which health workers must make use of to provide quality care without releasing confidential medical records, urges that medical providers must make their claims to health insurance companies by sending electronic records of their patients billing history. This will prevent duplication of claims, authentication of said claims and on-time payment.

Under the HIPAA, transmission of bills, financial and administrative dealings and reimbursements must all be done electronically through the Medical Billing Software. However, most insurance companies would still require for additional waivers and paper works from their clients and subscribers to ensure that no bogus electronic documentations are being received. This caused trouble for many hospital patients, especially those who do not have the time to send or personally present billing documents to their insurance agents. This is especially troublesome for hospitals and insurance companies that do not have the latest billing software yet that is programmed with the provisions of the HIPAA.

Because of such a predicament, software companies scrambled to come up with a new technology that will be compliant with the act. The use of will significantly decrease the paper works normally associated with health insurance claims. There is also less need to pursue and follow up payment between the two sides because all transactions are recorded electronically.

Easy insurance claiming through a billing software

The problem with a lot of hospitals is that insurance companies pay their bills late, which is why some are wary to receive patients holding certain insurance policies. But because most medical billing softwares are Internet-based, this makes it easier for hospitals to check the insurance policies of their possible patients shortly after they are admitted in the hospital.

By checking the insurance policy of a certain provider, any hospital would get to know the exact primary and secondary services that they can provide to a particular patient. Of course, a billing software will provide an easier way for claims and reimbursements to be processed. This equals to a fluid transaction between the insurance company and the hospital, which can then mean better customer service

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