Insurance Company Sued Raising Insurance Rates

The Los Angeles Times and the Associated Press  report  health insurance rate increases by Anthem Blue Cross resulted in lawsuits by policy holders.

The suit, which could gain class-action status, alleges that Anthem has violated "state law by closing certain policies to new members while illegally offering remaining customers alternative plans with fewer benefits at higher rates."

Meanwhile, the Kansas Health Institute has a package of stories about a malpractice case being considered by the Kansas Supreme Court in which the justices could determine if the state's caps on medical malpractice awards are constitutional.  The case involves a woman whose doctor removed the wrong ovary resulting in an award that was reduced based on the State's cap on medical malpractice lawsuits.

There is no argument that medical care costs have to be curtailed and are out of control.  Insurance companies are gouging  consumers by increasing rates to unattainable levels leaving people and businesses without insurance.

At the same time that medical negligence caps are unfairly limiting consumers rights to recover for genuine mistakes their doctors make.

And the legislature continues to mull over health care reform while the democractic majority leader, Harry Reid, suffer's personal set back relating to his wife and daughter's injury when a semi tractor rearended the car they were in. 

 

Malpractice Caps Unconstitutional

The American Justice Association reports Georgia's Malpractice caps are unconstitutional.

Georgia High Court strikes down cap on medical malpractice awards.

http://www.georgiawatch.org/

The Atlanta Journal-Constitution (3/23, Rankin) reports, "A unanimous Georgia Supreme Court on Monday struck down limits on jury awards in medical malpractice cases," ruling that the $350,000 cap on noneconomic damages violates the right to a jury trial guaranteed by the Georgia Constitution, as the cap "'clearly nullifies the jury's findings of fact regarding damages and thereby undermines the jury's basic function,' Chief Justice Carol Hunstein wrote for the court."

 

        The AP (3/23, Bluestein) reports that the ruling "will likely herald a flurry of new litigation, as the court said the ruling applied retroactively to all other pending medical-malpractice cases, including those that are now in the appeals process." In the case before the court, Betsy Nestlehutt "was awarded $1.15 million in non-economic damages -- including $900,000 in pain and suffering -- by a Fulton County jury after she was permanently disfigured after a botched facelift."

 

        The New York Times (3/23, A19, Brown) reports, "The ruling was praised by victims' rights groups and plaintiffs' lawyers and was condemned by doctors and Republican lawmakers."

 

        The Fulton County Daily Report (3/23, Palmer) reports, "Atlanta lawyer R. Adams 'Adam' Malone of Malone Law, who represents the plaintiffs in Monday's case, expressed gratitude for the unanimous nature of the ruling."

Five Myths About Medical Negligence

American Association of Justice published "Five Myths about Medical Malpractice Negligence."  I reprint it below.

It is especially interesting since the Nevada Supreme Court is currently considering whether to make the "Keep Our Doctor's in Nevada" bill, passed in 2004, retroactive.  A woman is suing her lawyer for taking 40% of her over $5,000,000 award for a lawsuit she retained him for in 1999.  She is arguing that the attorney fee limits should apply retroactively and the attorney's fees be reduced.  Interestingly she is not arguing that her recovery be limited retroactively to the current ceiling on medical malpractice cases of $350,000.

Those opposed to real health care reform are flailing to come up with real, alternative solutions to our current crisis. With all the talk of death panels, government takeovers, and rationing of care, now tort reform has been thrown into the mix.

Yet it will do practically nothing to lower health care costs, and certainly will not fix our broken health care system. However, it will most definitely hurt patients injured through no fault of their own. Seemingly, the effects of legislation on real people have somehow evaporated from the discussion.

To break through all the hyperbole, lies, and distortions, the American Association for Justice today released a new report, "Five Myths About Medical Negligence." The next time a cable news pundit or opponent of health care reform starts talking about tort law changes, chances are this manual will rebut their claims.

As the health care debate moves forward, here are the key myths and facts:

Myth #1: There are too many "frivolous" malpractice lawsuits.
Fact: There's an epidemic of medical negligence, not lawsuits. Only one in eight people injured by medical negligence ever file suit. Civil filings have declined eight percent over the last decade, and are less than one percent of the whole civil docket. A 2006 Harvard study found that 97 percent of claims were meritorious, stating, "portraits of a malpractice system that is stricken with frivolous litigation are overblown."

Myth #2: Malpractice claims drive up health care costs.
Fact: According to the National Association of Insurance Commissioners, the total spent defending claims and compensating victims of medical negligence was just 0.3% of health care costs, and the Congressional Budget Office and Government Accountability Office have made similar findings.

Myth #3: Doctors are fleeing.
Fact: Then where are they going? According to the American Medical Association's own data, the number of practicing physicians in the United States has been growing steadily for decades. Not only are there more doctors, but the number of doctors is increasing faster than population growth. Despite the cries of physicians fleeing multiple states, the number of physicians increased in every state, and only four states saw growth slower than population growth; these four states all have medical malpractice caps.

Myth #4: Malpractice claims drive up doctors' premiums.
Fact: Empirical research has found that there is little correlation between malpractice payouts and malpractice premiums paid by doctors. A study of the leading medical malpractice insurance companies' financial statements by former Missouri Insurance Commissioner Jay Angoff found that these insurers artificially raised doctors' premiums and misled the public about the nature of medical negligence claims. A previous AAJ report on malpractice insurers found they had earnings higher than 99% of Fortune 500 companies.

Myth #5: Tort reform will lower insurance rates.
Fact: Tort reforms are passed under the guise that they will lower physicians' liability premiums. This does not happen. While insurers do pay out less money when damages awards are capped, they do not pass the savings along to doctors by lowering premiums. Even the most ardent tort reformers have been caught stating that tort reform will have no effect on insurance rates.

Over 98,000 people die every year from preventable medical errors. That's like two 737s crashing every day for a whole year. Instead of focusing on tort law changes that won't fix health care, let's make sure people aren't injured in the first place. Not only will that lower costs, but most importantly, will improve health care for everyone.



Read more at: http://www.huffingtonpost.com/anthony-tarricone/calls-for-tort-reform-des_b_345438.html&cp

You can view AAJ President Anthony Tarricone’s article on the Huffington Post and link to the article by clicking here.

Trial Lawyers Try to Educate

"The American Association for Justice announced today it is launching what it called the first phase of a nationwide ad campaign 'to educate lawmakers about the epidemic of preventable medical errors and how tort law changes won't lower costs or cover the uninsured,'" The Boston Globe reports. "The ads, running in Washington publications and on online news sites, say the estimated 98,000 deaths from preventable medical errors is 'like two 737s crashing every day for a whole year.' But the ad concludes: 'Would we blame the passengers or the airlines?'" (Rhee, 9/22).

The New York Times also reports on medical malpractice. Economic Scene columnist David Leonhardt notes that while there is a great partisan divide on the issue, there is also "a lot of research by economists and others with no vested interest," who have drawn factual conclusions. "The direct costs of malpractice lawsuits - jury awards, settlements and the like - are such a minuscule part of health spending that they barely merit discussion, economists say. But that doesn't mean the malpractice system is working." In addition, "[t]he fear of lawsuits among doctors does seem to lead to a noticeable amount of wasteful treatment," estimated to be about "$60 billion a year or about 3 percent of overall medical spending." But researchers have also estimated that few errors lead to action: "only 2 to 3 percent of cases of medical negligence lead to a malpractice claim." The malpractice system may therefore be "expensive in all the wrong ways" (Leonhardt, 9/22).

Hospital Cleared in Deportation of Brain Damaged Man

DEBORAH SONTAG of the  The New York Times reports "In a benchmark case dealing with the obligations of hospitals toward uninsured illegal immigrants, a jury in Stuart, Fla., decided Monday that Martin Memorial Medical Center did not act unreasonably when it chartered a plane and repatriated a severely brain-injured Guatemalan patient against the will of his guardian."

The Hospital prevailed and the man was sent via chartered plane back to Guatemala.  You can read the entire article by clicking here.

Dr. Kabins of interest to reader

You are very welcome. Thank you so much for the feedback and I will continue blogging and following articles like Dr. Kabin’s situation.

March saw a third indictment against Dr. Kabins.  Things are far from over for him as George Knapp posted in March 2009.

Readers might recall that one reason the charges against Gage and Awand were dismissed (and are now under appeal) is that Dr. Kabins demanded he be given immunity to testify for the defense in the Gage trial. Federal prosecutors had no intention of giving him immunity since he is considered one of the central targets in the massive investigation. Now Kabins will be facing his own charges.

Tim

Titolo Law Office
Timothy R. Titolo
tim@titololawoffice.com
www.titololawoffice.com
10100 W. Charleston Blvd. Suite 100
Las Vegas, Nevada 89135
tel: (702) 869-5100

 

Robert Simons posted:

Tim;Thank you for all your articles that you provide.This case with Dr.Mark Kabins i find very interesting because the 3-years i was under his care was hateful.Besides being lied to constantly and him shedding tears at every appt. and my denial of transfer of care was denied it has ruined me with what i think about trusting dr's (vegas). Keep up the great info web-site i find it very ood for me,thanks.

 

 

Medical Malpractice Reform

The Nevada Assembly voted 26-15 on Monday to pass legislation that would remove a $350,000 cap on jury awards for non-economic damages in medical liability lawsuits, the Las Vegas Sun reports.

The cap was approved by voters in 2004 after concern was raised that higher medical malpractice insurance premiums were driving some doctors out of the state.

The bill would permit unlimited damages for instances of gross negligence and would give patients an additional 12 months to decide if they want to file a lawsuit (McGrath Schwartz, Las Vegas Sun, 4/20).

AB495

Dear Senator:

I am in support of AB495, a bill which will no longer protect health care providers when they injure patients. The measure voters approved was designed to limit frivolous lawsuits. It was not intended to protect doctors like Dr. Desai, who has placed the health of patients at risk. Unfortunately, when you give people special legal protections, there is always someone who will try to take advantage.

I am representing a woman whose bile duct remained shut after receiving a pyloric stenosis (stomach thickening condition most often found in infants) surgery. The surgical clips were left in her bile duct. She has three bags of fluid accumulation outside her body which she has to dump and reload several times a day. Additionally her body is unable to absorb food so she is administered nutrition intravenously at night. This has been going on since January 2009. She was referred after the botched surgery to UCLA where she is scheduled to return for corrective surgery. Limiting this woman’s recovery to alleviate this physician’s insurance responsibilities and his insurance company’s profit is unconscionable.

Please right the injustice created when the medical malpractice initiative was passed. Please vote for AB495.

Tim Titolo
 

Tort Un-Reform

This week brings good news that Lawmakers introduced an Assembly bill that would remove the key element of the 2004 medical malpractice reform initiative: Namely, the $350,000 cap on pain and suffering.  The incentive for the bill is the Hepatitis C crisis unfolding in Southern Nevada. The bill also allows additional time to file claims.

Medical malpractice is any action for personal injury against a healthcare provider based on professional negligence. This term is most often used to apply to a law suit brought by a patient against his or her physician as a result of getting “bad care.”

We all may recall the “Keep Our Doctors in Nevada” propaganda in 2003 that ultimately persuaded the vote to reform malpractice lawsuits. The insurance companies, leading the bridled doctors along with them, convinced unknowing consumers that their insurance premiums were rising and the selection of doctors lowering because lawyers were filing frivolous medical malpractice lawsuits.

I was trying a medical malpractice case in the old courthouse when the initiative was on the ballot. I remember watching my jurors have to cross the picketers on the courthouse steps holding signs to “Keep Our Doctors in Nevada!” I won the case but the jury told me later they thought they could only award $350,000!  My client had permanent brain damage.

From 2003 until present, doctors have gotten away with as much as using contaminated needles on patients passing along viruses. Hopefully consumers and voters have come to their senses regarding holding the medical professionals they trust with their care accountable.

This is an important issue that I will keep my eye on.

Wisconsin parents win $11.4 million in malpractice suit

Another verdict for a boy suffering brain damage.

A jury has awarded the parents of a brain-damaged boy $11.4 million in a medical malpractice case.

Chad and Amy Jelinek of Eastman claimed in a 2006 lawsuit that negligent care by a nurse and nurse midwife at Gunderson Lutheran Medical Center in La Crosse resulted in brain injuries to their son Laine during his birth in 2005.

A Crawford County jury sided with the Jelineks on Oct. 17 after a three-week trial. The Jelineks' attorney, Jeff Goldberg, says the money is barely compensation but should improve Laine's life.

The hospital issued a statement saying it believes the care was appropriate.