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Malpractice Statutes

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Malpractice Statutes
Tort is an intentional or unintentional, non-criminal wrong that causes injury to another party. The injury can be physical, mental, or monetary. Once an injury occurs the wronged party can sue the wrongdoer for damages (Simon, Eddins, & Greenstone, 2009). Malpractice is one type of tort; tort reform is passed at a state level in regard to the laws regarding malpractice. The state can develop laws that cap the amount of reimbursement a judge can award for punitive damages a patient or family can acquire for damages in relation to malpractice. Tort reform, is an aspect that can attract physicians to specific states based on how friendly the practice environment is for health care providers.
Tort reform aims to limit the liabilities of the wrongdoer. Those supporting tort reform claim that such changes will reduce frivolous lawsuits therefore reducing the cost of insurance (Simon et al., 2009). Tort reform can put tighter constraints on medical malpractice lawsuits taken to court, opposed to those that are dismissed. Essentially medical malpractice is, negligence or error committed by a health care professional where there is harm caused to the patient. Reductions of malpractice insurance would serve to reduce the cost of health care. Each state sets its own requirements regarding what is required for practitioners to have for insurance coverage to cover the practitioner for any lawsuits charge on them for malpractice. This paper will review two different states and why they have reasonable malpractice procedures.
Minnesota
Provisions In the state of Minnesota the wronged patient, or his or her family, is limited to an award of $400,000, from either the medical professionals or institutes, who showed a deliberate disregard to a patient’s safety which is considered malpractice (Mello, 2006). The state placing a limit or a cap on payouts, allows for a lower cost of malpractice insurance. A large insurance group in Minnesota “charged base premium rates of $ 3,803 for the specialty of internal medicine, $ 10, 142 for general surgery, and $ 17, 431 for OB/GYN” (United States General Accounting Office [GAO], 2003, p. 8). Each specialty in health care has a different average costs for malpractice premiums because the risk of each specialty has its own hazards; the premium is based on the likelihood that the health care professional is to be sued.
In the state of Minnesota the statute of limitations for filing a claim is limited to four years, which can be beneficial to practitioner, unless it is in regard to an incident at birth or results in the death of a child. Another benefit to practicing health care in Minnesota is that the state requires an expert to review and confirm the allegations of the lawsuit prior to it being filed with the courts (McCullough, Campbell, and Lane LLP, 2010).
Rationale for Selection Minnesota would be considered a desirable state to practice in based on the fact that it has one of the lowest malpractice premiums in the United States. “Minnesota doctors pay a fraction of what doctors in other states pay for malpractice insurance” (Terry Slane Ruohonen Injury Law [TSR Injury Law], 2009, p. 1). The best place to practice medicine would likely one that has insurance companies, which are competitive but not overly that provides physicians with the best options. When deciding where to search for jobs as a practitioner, the low cost of insurance and a cap on the amount of claim in Minnesota, makes it a more desirable state to practice. However, reimbursement along with the cost of living plays an important role because it is necessary for the practitioner to remain operational.
One interesting fact, even with the limits of the malpractice claims and the shortened statutes of limitation is that according to the Agency for Healthcare Research and Quality (AHRQ) ranked Minnesota second best in the nation. The AHRQ is the lead federal government agency, which oversees quality of health care. The goal of the agency is not only to improve the quality, safety of health care organization; but also report out data to the public regarding quality of healthcare by organization, state, and zone to allow individuals to make informed decisions regarding their healthcare (Agency for Healthcare Research and Quality [AHRQ], 2012). Currently medical liability is intended to provide compensation to patients or their families who have suffered from injury or death because of medical negligence with the intent to decrease the probability of similar errors with other patients. The relationship between AHRQ and Tort because medical liability relates to how the health care system impacts the cost, assess, coverage, and impact to patients’ safety with the organizational affliction of litigation
Wisconsin
Provisions
Wisconsin is another state in which medical malpractice is not financially damaging to medical providers. “Wisconsin has established a $350,000 cap on noneconomic damages” (Larson, 2004, para. 2). In Wisconsin malpractice insurance premiums rates on average include for specialties of internal medicine $6, 923, general surgery $ 22,813, and OB/GYN $34, 666 (My Medical Malpractice Insurance, 2011). As stated before there are varying costs between each specialty and their malpractice premiums based upon how hazardous their specialty is and how likely that individual or institution is to be taken to trial.
In Wisconsin, the statute of limitations is also beneficial to practitioners because when filing a claim is limited to three years, unless it involves a child in which the laws appear to be grayer. In the state of Wisconsin, expert testimony is not necessary to file a lawsuit if the standard of care is considered common knowledge; however, Wisconsin only holds health care providers liable for the extent of their insurance limit (McCullough, Campbell, and Lane LLP, 2010).
Rationale for Selection
Wisconsin has lower malpractice insurance premiums than many other states, making it a desirable state in which to practice. The physician liability crisis is an issue in several states; Wisconsin is somewhat a refuge and has fallen within an acceptable range according (Roberts, 2002). Similar to Minnesota, Wisconsin, is a state where insurance companies are competitive but not excessively, and where physicians are able to have low insurance caps, in combination with low cost of living and satisfactory reimbursement to remain in business.
Even with the limits of the malpractice claims and even slightly longer statutes of limitation, is that according to the AHRQ ranked Wisconsin the best in the nation (AHRQ, 2012). This information compounded with lower malpractice rates makes Wisconsin very attractive to those looking for a place to practice quality medicine. It is difficult not to look at a state that ranks first in the nation on multiple criteria and trying to figure out what is wrong in other states.
Conclusion
Minnesota and Wisconsin are two states in which have relatively low malpractice premiums both states have statutes of limitations below the most of the other states. Both states provide, according to AHRQ, high quality of care. The cost of health care is less in these Mid-Western states. Each state, through their state legislature, develops guidelines to regulate malpractice in their state. With the ever-rising cost of healthcare, and many not able to afford to carry healthcare insurance available to them, each state should take a close look at the provisions that drive medical malpractice law. The push for tort reform is one possible solution for helping control the rising cost of healthcare. States have the ability to decide what is best for their own state.
When deciding where to search for jobs as a practitioner, the low cost of insurance and a cap on the amount of claim in Wisconsin and Minnesota, makes each of them a desirable state to practice. Logically when deciding the best state in which to practice it is also important to observe the correlation between the cost of insurance, along with the cost of living, and the amount of reimbursement. As reimbursement continues to be reduced providers will need to attempt to minimize all obligations of practice to remain in business. With the review of the facts Wisconsin and Minnesota both have desirable qualities for providers when comparing malpractice guidelines and quality of care.

References
Agency for Healthcare Research and Quality. (2012). AHRQ mission. Retrieved from http://www.ahrq.gov
Larson, A. (2004). Wisconsin medical malpractice law: An overview. Retrieved from http://www.expertlaw.com/library/malpractice_by_state/Wisconsin.html
McCullough, Campbell, and Lane LLP. (2010). Summary of medical malpractice law: Minnesota. Retrieved from http://www.mcandl.com/minnesota.html
McCullough, Campbell, and Lane LLP. (2010). Summary of medical malpractice law: Wisconsin. Retrieved from http://www.mcandl.com/wisconsin.html
Mello, M. M. (2006, January). Understanding medical malpractice insurance: A primer. Research Synthesis Report, No. 8, 1-14. Retrieved from http://archive.leg.state.mn.us/docs/2010/mandated/100188.pdf
My Medical Malpractice Insurance. (2011). Wisconsin medical malpractice insurance. Retrieved from http://www.medicalmalpracticeinsurance.com
Roberts, R. G. (2002). Understanding the physician liability insurance crisis. Retrieved from http://www.aafp.org/fpm/2002/1000/p47.html
Simon, Eddins, & Greenstone (2009). Tort reform. Retrieved from http://www.hg.org/article.asp?id=7041
Terry Slane Ruohonen Injury Law. (2009). The Minnesota Model. Retrieved from http://www.minnesotapersonal-injurylawyer.com/minnesota-a-model-for-medical-malpractice-suits.html
United States General Accounting Office. (2003). Medical malpractice: Implications of rising premiums on access to health care. Retrieved from http://www.gao.gov/new.items/d03836.pdf

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