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GEN: liability ratesFrom: Arthurfree@aol.comSat Feb 21 23:12:39 1998
Dr. Waldby writes:
<<
There are 2 issues here: the amount of coverage and the amount the coverage
costs.
I don't think GYN surgery or C-sections raise your malpractice rates (cost of
coverage) as much as delivering babies. The reason I think this is because
as a
general surgeon, my rates did not go up in the rural practices where I did
C-sections (over the rates for a general surgeon). Similarly, my rates have
not
been affected by doing hysterectomies, lap hysterectomies, etc.
>> Gail, Your rates did not go up because you are already at least class 4 if not class 5. Most companies have some sort of rate scale that has to do with their perception of the risks of what you do. A purely outpatient physician who does not do invasive procedures tends to be the lowest. Family docs who do minor office surgery, admit medical patients, and assist on their own patients tend to be the next category up (2). Vaginal deliveries boosts one to class 3, and doing csections to class 3A or 4. Ob/gyn tends to be class 4, neurosurgery and trauma surgeons class 5. The general classes tend to be fairly consistent, how they are subdivided and what the actual rates are vary. For instance, one company treats a family doc who does low risk and less than 40 deliveries a year like any other FP (say, class 2); another automatically bumps him or her to the same class as an obstetrician for even one delivery. Arthur Freeland Warrensburg Missouri
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