FAQ: Are Health Care Providers Required to Carry Medical Malpractice Insurance?
Specializing in medical malpractice, the PHP Law Firm unfortunately encounters victims of medical malpractice or their loved ones who resist filing a lawsuit for a variety of reasons. One reason can be the mindset that filing a lawsuit against an individual health care provider, especially a provider in a small community, could be financially devastating to that provider.
However, it’s important to understand that all health care providers (both individuals and organizations) in our state of Kansas are required to have medical malpractice insurance. According to Ryan A. Prochaska, medical malpractice attorney at PHP in Wichita, Kansas, there are actually two layers of insurance protection.
- Health care providers must purchase professional liability insurance from commercial companies or the Health Care Provider Insurance Availability Plan
Minimum coverage limits of $200,000 per claim
Annual aggregate total limit of $600,000 coverage
- Health care providers must also select one of three options for additional coverage through the Kansas Health Care Stabilization Fund (HCSF)
$100,000 per claim with $300,000 annual aggregate
$300,000 per claim with $900,000 annual aggregate
$800,000 per claim with $2.4 million annual aggregate
Although a medical malpractice lawsuit could negatively impact a health care provider, they are required to carry medical malpractice for a reason. Mistakes are often made, and it is the right of the victims or their families to seek compensation.
Should You File a Medical Malpractice Lawsuit?
If you believe you or a loved one is a victim of medical malpractice, whether in a small or large community and by an individual or an organization, it is best to contact an attorney. Although every case is different and no conclusions should be drawn without first consulting with an attorney about the specifics of your case, the PHP Law Firm is highly experienced in fighting for the rights of medical malpractice victims.
Our initial consultations are free, and we will not make a recommendation before talking to you and getting a thorough understanding of your situation. Better yet, if you decide to proceed with a medical malpractice lawsuit, we will not charge a cent unless we win compensation for you.
Contact our team of medical malpractice attorneys directly at (316) 683-9080. We look forward to speaking with you!