Finding the Right Insurance Carrier

October 1, 2008

My awesome idea for a house call practice couldn’t get off the ground. The malpractice company I had been working with lied to me. I was two weeks away from opening when it told me it doesn’t cover housecalls. I can’t find anyone else willing to cover a housecalls practice. There are so many docs with great ideas that can’t get out of the gate! It is more than upsetting. I think it is awful that well-meaning, altruistic-minded docs are being kept away from patients who need them.

Question: My awesome idea for a house call practice couldn’t get off the ground. The malpractice company I had been working with lied to me. I was two weeks away from opening when it told me it doesn’t cover housecalls. I can’t find anyone else willing to cover a housecalls practice.

There are so many docs with great ideas that can’t get out of the gate! It is more than upsetting. I think it is awful that well-meaning, altruistic-minded docs are being kept away from patients who need them.

Answer: You can try to set up an appointment with various carriers to discuss the details. There are usually custom options. Some, called captive insurance companies, specifically try to find physicians with lower risk profiles; they might work with you.

If I may, try to stop seeing insurance companies as being out to get you. Instead, work with them to come up with a plan to meet your needs. See what their concerns are and come up with a lower-risk way to do what you want.