Accidents and Mistakes Factor Into Nursing Home Insurance Rates

The main focus of nursing homes is to provide the highest quality of life for the residents living there. But from time to time situations arise where injuries, often unintentional, end up causing severe pain for the injured party and may require lengthy rehabilitation. The need for liability insurance for nursing homes is crucial, and preventing injuries from occurring can help to reduce nursing home insurance rates.

Attendants and nurses must be extra careful with regards to the services they perform for their residents. But when working with frail individuals, often in poor health, it can result in issues that will need to be addressed. Having this valuable coverage covers medical costs and any settlements brought against the doctors and staff. Here are a couple of the common claims normally associated with this industry that having a professional liability policy will help cover when purchased alongside other insurance policies.

Accidental injuries to residents

Many patients will require assistance getting in and of their beds or wheelchairs. Lifting a patient multiple times a day can easily result in accidents occurring, even though a patient may be receiving the utmost care. Even cautious staff members can have an occurrence where a resident winds up suffering an injury. An event of this type can spur lawsuits against a nursing home, and owners must be ready to defend the actions of their staff.

Medication errors are cause for alarm

Nurses operating within nursing homes usually have several patients that they care for daily, so there may be concerns when it comes time to dispense medication. Since each patient will more than likely require different medications, and at different dosages, nurses must be well organized. If the wrong medicine or wrong dosage is accidentally given to a patient, the results can have serious, even fatal, consequences.

These sorts of mistakes unfortunately do happen. For example, if a staff member at a nursing home mistakenly gives an Alzheimer’s patient the wrong drug for issues with their central nervous system, this could result in his or her blood pressure dropping so significantly that it results in the patient dying.

These are common risks and exposures that all medical personnel must be cognizant of, and are best handled by owners having liability insurance for nursing homes. Brokers who handle this line of business should look into ways that their clients can save on nursing home insurance rates.

Telemedicine: Finding Doctors on Your Mobile Device is the New Face of Medicine

It is amazing to think that only a decade ago no one heard of or had a tablet apparatus like the iPad. We’re a world that is very joined by emerging technology. You can’t walk 10 feet down a busy street or stand in line at any store without seeing someone browsing the internet on their smart phone.

Most businesses are now adapting to keep up with technology and provide their services in a very accessible way to their own customers. One area that has typically lagged behind in all modes of technology is the area of medicine. There are many reasons with this. Government rules and regulations also make it difficult as there are many secrecy rules which have to be incorporated into new technologies too.

Patients are now seeing a trend where they are getting quicker access to their doctors. This new technology has been labeled “telemedicine“. Telemedicine denotes the power to communicate with your doctor NOT needing to maintain work. That is significantly more than merely a phone call using a question, but instead a complete office visit with a treatment strategy at the judgment. The aim of this is to allow for patient convenience by averting long waiting room times and quicker access to a doctor. This also makes it possible for the doctor more time freeing up in-office visits for sicker patients who need to be examined and demand more hours.

Many businesses are developing the technology that allows their patients to easily reach their doctor. Some platforms use video conferencing so your doctor can see you and vice versa. All are incorporated directly to your medical record as though it were any other visit. Now imagine picking up your smartphone and having “face time” together with your doctor? Sure beats sitting in the waiting room all day!

There are limitations at this stage however. Insurance just reimburses particular medical conditions including mental health visits and kidney failure. I firmly guess as more practices choose to utilize this technology (and patients), insurance firms will see the price saving benefits and agree to reimburse for the visit. Not all physicians use this technology. In fact comparatively few do at this time. As previously mentioned before, physicians are slow to catch on. Pain management physicians seem to be the very first to be embracing this useful technology. Pain patients need frequent follow up. Allowing online pain management via telemedicine lets pain management doctors to remain closely connected with their patients with no patient having to take a seat in a waiting room month after month. Additionally, there are relatively few pain specialists. Not everyone lives in a urban city with thousands of doctors at their fingertips. Well now the physician is at your fingertips through telemedicine. Patients in more distant regions can visit using a pain doctor through internet pain management simply as though you’re in the large city.

Telemedicine is still growing and is only in its beginning stages. With the quick growth of technology and also the demand consumers have to simple accessibility via this technology to the services they want, the healthcare field will change. For those with chronic pain, luckily the option is accessible now.


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