• Full prior acts coverage
  
  
• Defense costs and civil fines coverage for billing errors, HIPAA, EMTALA, STARK
  
  
• Coverage for Government fines and penalties (penalties can exceed $11,000 per violation)
  
  
• Access to an expert panel of attorneys and compliance consultants
  
  
• Affordable for single physicians and groups (starting at $1850 per single physician with significant discounts for groups)
  
  
• Simplified underwriting process (requires the completion of one simple application)
  
  
• Fast quotes (premium quotes can be presented in less than 48 hours)
  

Below are some of the more common regulatory issues that physicians face today and how the program responds:

Medicare/Medicaid Audit Coverage
EXPOSURE: Governmental allegations of fraud or erroneous billing

.....MEDEFENSE™ Plus provides defense cost and civil fines and penalties for physicians involved with accused of erroneous billing.

HIPAA Compliance
EXPOSURE: Breech of patient privacy regulations
New rules governing the restricted use of patient information have recently created a new liability exposure for healthcare providers. Enforcement activity for non-compliance may become an additional challenge for physician practices that are governed by these regulations.

.....MEDEFENSE™ Plus provides defense costs and civil fines and penalties levied by Federal or State enforcement agencies as a result of allegations of HIPAA regulatory violations.

Commercial Payor Audit Coverage
EXPOSURE: Commercial payor allegations of fraud

.....MEDEFENSE™ Plus expands coverage beyond governmental audits to provide defense costs for commercial payor allegations of billing fraud.

STARK Coverage
EXPOSURE: Non-compliant referral agreements

.....MEDEFENSE™ Plus extends coverage to provide defense costs and civil fines and penalties for providers that are investigated for allegations of STARK violations.

EMTALA
EXPOSURE: Allegations of refusal of emergency medical treatment or patient transfer (patient dumping)
Physicians that are involved in emergency medicine have regulatory exposure under the Emergency Medical Treatment Active Labor Act (EMTALA). Fines and penalties associated with violations of the act can run into the hundreds of thousands of dollars.

.....MEDEFENSE™ Plus provides defense costs and civil fines and penalities coverage if allegations of non-compliance are made against physicians who provide emergency medical care.