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Maryland Medical Malpractice Insurance

A new medical malpractice insurance company recently entered the Maryland market. When a new carrier, eager for business, enters a market that's always good news for doctors.

If you are a physician in Maryland seeking a better rate on your medical liability insurance then submit your free quote request today. A free quote could save you money.

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Maryland Medical Malpractice Insurance Rates

Coming soon - the latest Maryland medical malpractice insurance rates.



Benefits to Maryland Physicians

  • New to Practice Discounts available.
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  • Prior Acts coverage is included.
  • Switch anytime - there is no need to wait until your renewal date.
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Maryland Medical Malpractice Insurance - A Brief Overview

In recent years, Maryland physicians have engaged in a difficult battle to reign in skyrocketing medical liability premiums. It took an impending access-to-care crisis to grab public support and make noticeable strides toward a more stable malpractice environment.

Maryland’s battle to enact meaningful tort reform and stabilize medical liability insurance rates began after the state’s largest insurer, Medical Mutual Liability Company, was granted a 33-percent rate increase beginning Jan. 1, 2005. In response, physicians and healthcare professionals sounded a statewide alarm, with two surgical groups—one in Hagerstown; the other in Frederick—threatening to close their practices.

For these two communities of more than 50,000 citizens, the two surgical groups provided 65- to 100 percent of the surgical care. Both practices said that they would stop seeing patients on Jan. 1, 2005, if significant reforms were not enacted, and each took their threats to the local and statewide media. Immediately, Maryland newspapers and television began to examine the possibility of a looming access-to-care crisis.

In response to community concern, Gov. Robert Ehrlich called for a Special Session of the General Assembly to address essential reforms and legislate a bill to avoid the impending surgical strike. Changing the requirements for top-rated testimony and “Good Samaritan” protection to protect those who provide emergency care were strongly advocated by the pro-tort-reformers.

Maryland Patients’ Access to Quality Health Care Act of 2004 (HB2) — the bill that emerged from the special session—contained few of the reforms advocated. The bill was widely considered a “gift to trial lawyers” by editorials in the press, but it did tighten requirements for top-rated witnesses along the lines proposed by the American College of Surgeons as well as a measure for an enhanced certificate of merit. “Good Samaritan” provisions did not survive, but a $650,000 cap on non-economic damages was established. To stabilize malpractice premiums, a fund of $40 million dollars was to be created by eliminating the exemption of a 2 percent premium tax the HMOs previously enjoyed in Maryland.

Unhappy with HB2, Gov. Ehrlich vetoed the bill on Jan. 10, 2005, because he opposed the elimination of the HMO tax credit and , in his opinion, most of the reform measures had been watered down or eliminated. The following day, the governor’s veto was overturned by the General Assembly, and Maryland Patients’ Access to Quality Health Care Act became law.

Despite its watered-down content, the signing into law of HB2 was supported by the Maryland Medical Society because it allowed many physicians to continue practicing in Maryland, assuming the rate stabilization fund was effective.

Of further importance to Maryland’s tort reform movement was that it had discovered a voice and attracted the attention of the general public. The correlation between out-of-control medical liability insurance rate increases and access to care had been established.

And while the effectiveness of Maryland’s tort reform on medical liability premiums will ultimately be judged years down the road, they do show promise. One of the major Maryland malpractice companies flattened its rates in 2006 and decreased its premiums across the state by 8 percent in 2007 and again in 2008.



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