More on the Nevada tort crisis

by rcentor on August 4, 2003

This editorial from Nevada – EDITORIAL: Insurers aren’t to blame

In Clark County, by contrast, the premium base rate for obstetricians increased from $95,000 per year to $142,000. Since then, the Legislature attempted to implement malpractice reform, but portions of that legislation were designed as a sop to Democrats and their trial lawyer allies. For instance, the $350,000 “cap” on noneconomic damages enacted last year is riddled with loopholes, and there are no limits on joint and several liability, meaning a doctor found to be 1 percent responsible for a mistake could end up liable for 100 percent of the damages.

While the ever-cautious GAO was true to form in one sense — rather than recommending specific legislation, it suggested that insurance commissioners might want to gather more information — the report’s findings clearly indicated that moves to rein in excessive jury awards and to limit joint and several liability should significantly slow the rise in malpractice insurance premiums.

Whether state or federal lawmakers are courageous enough to take on the powerful plaintiff’s bar and make the necessary changes that would moderate those rates is another matter altogether.

No comment is necessary here.

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{ 11 comments }

R.G. Lacsamana August 4, 2003 at 8:56 am

Even as I write this, my home state of Florida continues to be a battleground between trial lawyers and physicians. Governor Bush had to cancel a third special session of the state Legislature last week after two previous sessions failed to break a stalemate between the House and the Senate.

The insurance companies, of which only four are left from a field of 60 only ten years ago, remain under blistering attacks
for “unconscionable” practices and as being responsible for the escalating crisis. The $250,000 cap on non-economic damages has been passed by the House, is favored by more than 70% of Floridians, but a truculent Senate controlled by lawyers (and by Republicans) has continued to torpedo a bill based on caps. The bill encompasses most of the suggestions of a task force study from the five presidents of Florida’s biggest universities, with the caps as the cornerstone of their recommendations.

The GAO study at least should lay to rest the idea, propagated by the trial bar, that large insurance losses from investments are behind this recurring malpractice nightmare. When the experiences of California and Minnesota, for example, show that caps do work in tandem with other tort reforms, it is hard to understand why this propaganda is still being spread around.

I know this subject has been beaten to death in your forums, but it is important for Americans to understand that they would be the biggest losers if no meaningul reforms are enacted, in the face of massive evidence that large malpractice losses, not insurance practices, are the culprit.

CHenry August 4, 2003 at 12:36 pm

Start looking for mandatory arbitration clauses and “hold harmless” agreements in patient care documents and surgery consents at doctors offices. If legislators will not set limits to this runaway problem, the private sector probably will. There will still be loopholes–hospital consultations for one–but these costs will definitely have to be brought in line or private medical care as we know it will cease to exist in many places. What will replace it won’t be very nice, either.

Edward B. Toupin August 6, 2003 at 1:40 pm

To reduce risk, doctors perform redundant and unnecessary diagnostic tests and offer only middle-of-the-road medical advice and procedures, even when they know that other treatments would be more beneficial. Not only does this escalate expenses and pad the doctor’s wallet, but it also wastes a tremendous amount of time in hopes that the cattle will die and the risk dissipates. Doctors are not performing procedures and tests to resolve medical issues, but instead dance around issues to cover or avert errors and reduce risk. Accordingly, as long as the doctors “do something,” regardless of the outcome, then they have done their job, according to the powers-that-be.

It’s a trade off. Sub-standard care is politically acceptable to limit risk, which in turn raises risk because of sub-standard care. To avoid the resulting risk, the political system relieves the medical community of accountability. This downward spiral only demonstrates that the politicians are aware of the situation, but are not seeking any resolution. Now, the brunt of the risk is absorbed by the patient in that they’re paying for care that they’re not obtaining, especially once the doctor errs and is unwilling to accept responsibility. When you buy a car, the dealer is willing to provide support and repairs, even when they err. As naïve as this may sound, I would assume that human life is more precious than an automobile, which makes me wonder why the standards of quality are higher for car maintenance than they are for human care.

Not to mention the fact that this malpractice crisis and tort reform has created a breeding ground for additional deceit and a mechanism to raise the status of the inept in the medical community.

Greg Garcoa August 6, 2003 at 11:38 pm

I don’t know where Mr. Toupin is coming from, but his reckless statements betray deep-seated ignorance about medical care which he obviously knows absolutely nothing about.

His statements are so ridiculous, nonsensical, and vacuous that one wonders about his state of mind. Is this guy really capable of thinking rationally?

Henry Mencken must be quaking in his grave to learn that there are still people living in the land of the BOOBOYSIE.

Edward B. Toupin August 7, 2003 at 11:00 am

Sadly, I take my information from personal experience, media contacts, medical malpractice attorneys, med mal investigators, and research.

I do agree that, indeed, doctors are good targets for lawsuits and do require some level of reasonable protection through the legal system — just like the rest of us. However, this inept display by legal, government, and regulatory agencies not only protects the doctors by removing all accountability, but it also endangers the public. I see this as utterly ludicrous as when you are dealing with the most precious thing on this planet, human life, and you are not held accountable, it turns into a matter of “life and death on a conveyor belt.”

I can understand how such comments would unnerve some; however, it is a sad state of affairs when the “protected class” of the medical practitioner adversely affects the general public. Doctors play at odds with their patients to deflect potential risk. It is fact — yet it is also an abuse of health insurance and the misguided trust that we place in medical practitioners.

The one thing that I am sure of is the survival of this new protected class in Nevada. Even if Nevada were to become a ghost state and the only people left were doctors, they could still make a reasonable income by maligning each other. That is, until they eventually exterminate each other through inept practice. However, as is the case in today’s environment, it’s not the best man that will be left standing — it will be the one that acquired his medical degree for $50 at some online school in the Dominican Republic.

Anonymous August 7, 2003 at 3:56 pm

I hate to be repetitive, but Mr. Toupin needs to get his facts straight. He claims he is making all his statements from personal experiences and contacts from third-party sources including malpractice attorneys, but his views are his and his alone, and should not be used in any reckless manner to represent the views of the rest of Americans.

Let me start by saying that polls after polls conducted over the past several years
show that the vast majority of patients are satisfied with their personal physicians and the type of care they receive. In contrast, trial lawyers are down there at the bottom, sharing that spot with used-car salesmen.

Physicians, unlike some unscrupulous people, are not mercenaries motivated by the prospect of money, but sincerely have the interests of their patients at heart.
It takes anywhere from 11 to 16 years to become a physician and specialize in some line; but on top of this, physicians, once in practice, are required to take certification and recertification examinations, on top of having to go through periodic peer reviews in the hospital, through specialty medical societies, and through insurance programs (including Medicare) to ensure that they meet current standards of care. Continuing medical education is also required by all states to get licenses renewed. Those who don’t meed these standards can lose their privileges, get reprimands or have their licenses revoked, and (in extreme cases) can get sued for malpractice if patients are injured from substandard care.

Can Mr. Toupin tell me in what other profession such exacting standards are required? Can he really say, with a straight face, that physicians do things for something other than what they need to do for their patients? Is he blind to the fact that physicians are accountable for everything they do? Has he been in a doctor’s office to see first-hand what huge obligations physicians have daily in the exercise of their profession? Or is Mr. Toupin just too obtuse to realize all these things?

Ignorance, they say, is no excuse to expose you for what you are. If I were Mr. Toupin, I would keep my mouth shut before he gets tempted to make more idiotic pronouncements.

Greg Garcia August 7, 2003 at 4:03 pm

The above comments were posted by me.

Edward B. Toupin August 7, 2003 at 9:15 pm

—- Greg wrote: I hate to be repetitive, …

I completely agree. However, this first paragraph completely contradicts your final paragraph. By requesting that I keep my mouth shut (from below) would indeed mean that I am not entitled to my view (from above). Indeed, I don’t recall noting that all of America backed my statements. Therefore, it might be helpful to take hold of your sensitivities.

—- Greg wrote: Let me start by saying …

Indeed, this depends on which polls you examine. What of those polls that produce negative results? I have seen situations where such results are hidden as they would cause a great deal of unrest in the population.

—- Greg wrote: Physicians, unlike …

This is the story that the medical community wishes the population to believe. But, indeed, the medical community does provide middle-of-the-road care in certain cases that have greatest risk. Indeed, this is watching out for one’s pocket book. As for the education and peer review, I agree. However, the only reprimands that occur and are made public are those that will not upset the population. As for getting sued for malpractice, this is not a possibility, especially in Nevada, since malpractice attorneys will not risk their reputations to sue one of those practitioners in any of the vanishing fields of medicine.

—- Greg wrote: Can Mr. Toupin tell me …

Yes, I can say it with a straight face indeed.

—- Greg wrote: Ignorance, they say, …

I truly understand where you are coming from and take no offense. I have found that people become belligerent when a sore spot it touched. As we grow, experience, and learn, we all work through it. You’ll be ok.

Edward B. Toupin August 7, 2003 at 9:27 pm

Greg:

Just as quick note, after reviewing your post again. You are spouting sales literature followed by personal insults. This tells nothing except that you read and have a sensitivity issue. However, as you noted, all Americans don’t hold your view and attempting to sway through these tactics is nothing more than a way to try to simply quiet the issue without resolution. Come up with something other than sales lit and I will listen. Until then, enjoy your insults as they merely reinforce my points.

Best,

Ed

Anonymous October 13, 2003 at 2:06 am

I have a comment for all of you.Which is more important,your money or your health?It seems as though we can’t have both ,but,I guess that would depend on what side of the pay window you are standing?

Anonymous October 15, 2003 at 5:24 am

I think mr. garcia missed his calling.If he wanted to help mankind ,he should have become a Veterinarian.Lawsuits are low money is good,and,your patients keep their shut,as far as their opinions.It might be a little harder though, seeing how the patient can’t tell you what is wrong with them.

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