Malpractice insurance coverage is a must for everyone working in healthcare. Of course, when you are a permanent employee in a certain healthcare facility, getting the right coverage is different than when you are working as a locum tenens. This is because locum tenens practitioners are regarded as independent contractors, which is why the process is a bit different. Read more about the benefits of being a locum tenens.
If you are already working as a locum tenens physician, then you need to start thinking about getting proper insurance coverage right away. Finding the right policy, however, can definitely be tricky, especially if you’ve never had the need to search for these on your own in the past. The great thing is, you’ll be able to find and get great insurance, just as long as you take some time to go through the search the right way.
In the event that you don’t know how to go through the search the right way, here is what you should do. Keep on reading, because I will share some tips below that will help you realize what you need to do when aiming at finding the perfect policy and getting the perfect coverage for you. So, without any more ado, let’s check the searching and choosing processes out in more details.
Check Specifically What Is Included
You probably already know better than to choose a policy without actually checking what it is that is included in it. After all, you need to know exactly what you will be covered for, because there is no point in making random choices without knowing how you’ll actually be protected. So, the first thing to do is check specifically what it is that is included in the policies you’re considering.
Read some more about the pros and cons of locum tenens in general: https://www.physicianonfire.com/locumspros/
But Don’t Forget To Check What Is Excluded As Well
While you will probably always remember to check what it is that’s included in the policies, there is actually a great chance that you’ll forget to check what it is that’s excluded from them. People often fail to do this, thinking that it isn’t necessary at all. That, however, is a huge mistake. So, don’t make that mistake. Instead, do your best to always have a look at those things that are excluded from certain policies, so that you can properly assess their quality.
Check Minimum State Requirements
One thing you should remember to do is check whether there are any minimum insurance requirements in the state you are working in. You need to follow all the rules and be in accordance with the law, which is why checking those requirements is a must. Most likely, you’ll be able to find the information easily online. So, you won’t have a lot of troubles getting the relevant information and figuring out which state requirements you need to meet.
And Remember To Check If The Provider Will Offer Coverage In The State You’ll Work In
Similarly to the above, you should also check if the providers you are considering can actually offer coverage in the state you’ll be working in. It would be a shame for you to waste your time on certain providers that cannot offer you what you need, so make sure to always check this before going any further. Your goal here is to find providers that can offer the coverage in the specific state that you are working in, so do your best to search for those.
Research The Providers In Details
Apart from simply finding such providers, you will also have to research them in details, with the aim of finding the perfect locum tenens coverage for you. The Internet will help you do the necessary research, but you will need to know which factors to focus on checking. There are a lot of important things to check when trying to find the perfect provider, and I am now going to tell you about some of those.
Check Their Experience & Reputation
Experience and reputation are highly important factors that you will definitely need to take into account when aiming at finding the perfect providers. You will probably get to find info regarding experience on the official sites. As for reputation, though, you should take time to search for certain reviews that have been written about certain providers. Those reviews will definitely help you get all the important info you need.
Inquire About The Annual Premiums
The annual premiums are also extremely important, meaning that you should check and consider them before agreeing to anything. Different companies will offer different annual premiums, as well as different general coverages. So, what you have to do is compare the coverages and the premiums, and then choose the best solution for you.