Measure 35: No.Byline: The Register-Guard Oregon's doctors are not crying wolf. Mushrooming malpractice insurance Noun 1. malpractice insurance - insurance purchased by physicians and hospitals to cover the cost of being sued for malpractice; "obstetricians have to pay high rates for malpractice insurance" rates have precipitated a crisis that's forcing some physicians to abandon high-risk specialties such as obstetrics obstetrics (ŏbstĕ`trĭks), branch of medicine concerned with the treatment of women during pregnancy, labor, childbirth (see birth), and the time after childbirth. and neurosurgery neurosurgery /neu·ro·sur·gery/ (noor´o-sur?jer-e) surgery of the nervous system. neu·ro·sur·ger·y n. Surgery on any part of the nervous system. . Other doctors are simply relocating to states where malpractice insurance costs less. Frivolous lawsuits and out-of-control jury awards caused the problem, according to according to prep. 1. As stated or indicated by; on the authority of: according to historians. 2. In keeping with: according to instructions. 3. the docs and their allies in the hospital, nursing home and insurance industries. Their solution is Ballot Measure 35, which would cap jury awards for noneconomic damages at $500,000 in medical malpractice Improper, unskilled, or negligent treatment of a patient by a physician, dentist, nurse, pharmacist, or other health care professional. cases. But Measure 35 assigns the overwhelming share of the burden for solving this excruciatingly complex problem to the victims of medical malpractice. That is manifestly unfair, and voters should soundly reject this one-sided measure, as they did a similar constitutional cap on damages in civil lawsuits four years ago. Not only is there substantial disagreement about the causes and effects of the insurance crisis, but nothing in Measure 35 offers any guarantee that insurance rates will drop if it passes. The only thing it guarantees is that Oregonians who are horribly injured in·jure tr.v. in·jured, in·jur·ing, in·jures 1. To cause physical harm to; hurt. 2. To cause damage to; impair. 3. by a reckless or negligent doctor will lose the right to have a jury determine the compensation they should receive for quality-of-life issues such as chronic pain, disfigurement dis·fig·ure tr.v. dis·fig·ured, dis·fig·ur·ing, dis·fig·ures To mar or spoil the appearance or shape of; deform. [Middle English disfiguren, from Old French desfigurer , paralysis, blindness, loss of sexual function, sterility, damage to relationships and emotional suffering. Measure 35's supporters insist that patients injured by medical malpractice would still be fairly compensated if the measure passes. It places no limit on actual economic damages - the quantifiable expenditures required by the injury such as the costs of surgery, physical therapy, medical equipment, special transportation and counseling, as well as loss of present and future wages. In addition, the $500,000 cap on noneconomic damages has a cost-of-living index cost-of-living index n. See consumer price index. Noun 1. cost-of-living index - an index of the cost of all goods and services to a typical consumer consumer price index, CPI to keep pace with inflation. Supporters say the cap would protect insurance companies from unpredictable and ever-escalating jury awards, restoring the rate stability Oregon experienced before its previous $500,000 caps were ruled unconstitutional in 1999. But the argument that patients are protected because they'll be able to receive full economic damages doesn't hold true for the young, seniors and women who do not work outside the home. Because young people often have not made career choices, their economic damages from lost earnings are generally minimal. Homemakers, full-time parents and retirees usually do not have earnings affected by the medical error and resulting injury. If their treatment is provided through insu- rance, Medicaid or Medicare, noneconomic damages are the only compensation they'll receive. Furthermore, caps on noneconomic damages have not been proven to effectively lower medical malpractice insurance costs. Even in states with caps, malpractice premiums continue to rise, in some cases faster than in states without caps. Adoption of caps is by no means a quick fix, either. After the Nevada and Mississippi legislatures The Mississippi Legislature is the state legislature of the U.S. state of Mississippi. The bicameral Legislature is comprised of the lower Mississippi House of Representatives, with 122 members, and the upper Mississippi Senate, with 52 members. in 2002 passed caps for the first time, doctors there were stunned stun tr.v. stunned, stun·ning, stuns 1. To daze or render senseless, by or as if by a blow. 2. To overwhelm or daze with a loud noise. 3. to learn that they would need to wait several years for any meaningful reductions in insurance premiums. After passage, the insurers announced that they would wait to reduce premiums until the statutory changes had been tested in court and produced "bottom-line results." The contention of Measure 35 supporters that the insurance crisis is forcing Oregon doctors to abandon rural practices doesn't withstand analysis. An extensive study by Public Citizen found that the number of active doctors in rural Oregon actually rose 11.9 percent from 2000 to 2004. Second, a new $40 million state program to subsidize sub·si·dize tr.v. sub·si·dized, sub·si·diz·ing, sub·si·diz·es 1. To assist or support with a subsidy. 2. To secure the assistance of by granting a subsidy. malpractice premiums for rural doctors is providing premium reimbursements of up to 80 percent. More than 1,000 doctors who practice in rural Oregon already have signed up. Measure 35's single-minded focus on jury awards and insurance rates shifts attention away from the fundamental reason there's a problem in the first place: medical errors. From the landmark 1990 Harvard Medical Practice Study to the 1999 National Institute of Medicine report, there is no shortage of damning data documenting the preventable medical errors See also medical error As a general acceptance, a medical error occurs when a health-care provider chose an inappropriate method of care or the health provider chose the right solution of care but carried it out incorrectly. that are killing and permanently injuring tens of thousands of Americans every year. While progress is being made, health care experts readily acknowledge that the industry has been slow to identify and eliminate unsafe practitioners and modernize mod·ern·ize v. mo·dern·ized, mo·dern·iz·ing, mo·dern·iz·es v.tr. To make modern in appearance, style, or character; update. v.intr. To accept or adopt modern ways, ideas, or style. health care delivery systems to enhance patient safety. The idea that health care consumers ought to have ready access to reports on complaints filed against doctors and hospitals has met fierce resistance. Oregon doctors could use legislative help with making insurance companies more accountable in how they set rates. Legislators also could examine programs in other states that have created supplemental malpractice insurance funds to provide a buffer when rates spike or companies stop issuing policies. But keep in mind that malpractice costs represent less than 2 percent of total health care expenses, and malpractice insurance rates are notoriously cyclical cyclical Of or relating to a variable, such as housing starts, car sales, or the price of a certain stock, that is subject to regular or irregular up-and-down movements. . Premiums are too high right now, but a cap that punishes the tiny percentage of gravely injured patients who need the largest settlements is the wrong cure. Vote no on Measure 35. |
|
||||||||||||||||

Printer friendly
Cite/link
Email
Feedback
Reader Opinion