Insurance for field intenship

[ron...@comcast.net]

Hi, have any of you had departments refuse to take paramedic students because the village is concerned about lawsuits and if so,how did you over come that?

We have a $6,000,000 medical malpractice policy from the college we are affiliated with that covers our students, but that is not satisfactory for the village in question. I have been teaching for many years and this is the first time this situation has come up. Any suggestions would be welcome. Thank you

Peggy

[Eva Prewitt]

Sounds like an excuse.  Search for the underlying problem.

 

EVA
____________________________________________________________
Eva A. Prewitt, EMT/P
Nelson County EMS
Director of Education & Compliance Officer
1301 Atkinson Hill Avenue
Bardstown, KY 40004
office: (502) 348-4929
cell:    (502)249-1123
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[Turpen, Lee]

Not replying from the educator side on this one, but from the provider side… the biggest issue we have had as a provider is with the training institution not having injury coverage for their students, most institutions seem to have adequate coverage on the clinical side of the fence, but without injury coverage, our lawyers have advised we cannot let them ride. The college based programs seem to have this coverage where the non-college based institutions have tended not to have it.

 

Just wanted to throw that out there as we run into it a lot.

 

Fraternally,

G. Lee Turpen II, CCEMT-P

QI Manager

American Medical Response

950 E. Virginia St.

Evansville, IN 47711

 

812-305-6211

 

From: kentucky-em...@googlegroups.com [mailto:kentucky-em...@googlegroups.com] On Behalf Of ron...@comcast.net
Sent: Thursday, February 11, 2016 8:48 PM
To: Kentucky EMS Educators <kentucky-em...@googlegroups.com>
Subject: Kentucky EMS Educators Insurance for field intenship

 

Hi, have any of you had departments refuse to take paramedic students because the village is concerned about lawsuits and if so,how did you over come that?

We have a $6,000,000 medical malpractice policy from the college we are affiliated with that covers our students, but that is not satisfactory for the village in question. I have been teaching for many years and this is the first time this situation has come up. Any suggestions would be welcome. Thank you

Peggy

--

[Brown, Lee]

Cannot say that we have ever had an issue with our malpractice coverage but I hadn’t thought of the spin on personal injury. No one has ever asked us about personal issue either…..

Lee

[Duane]

Technically, everyone is supposed to have health insurance now and since they are not "ok the job" it will cover such events.  

Sent from my iPhone

[Turpen, Lee]

Many individual policies, and Anthem is a great example of this, deny coverage if the cause is accidental and due to the actions of another individual or entity. They expect you to litigate to have your expenses covered. Not all do this, but some do. Anthem is notorious for doing so.

[Duane]

I completely understand that and tend to agree with them. But if an individual or agency is negligible then they should be responsible. We cannot control any and all possible scenarios but need to work together to make sure our students get the same opportunities that we had to obtain their educational objectives. We have yet to have an agency deny a student access based on lack of this coverage and I hope it does not become a trend. We have a policy in the hand book that states that injuries to a student are their responsibility. Hopefully, services would run agreements such as these through their legal channels to see if they would help alleviate their concerns. If not, then seek advice on what would be amicable to all involved parties.  

Sent from my iPhone

[Keith Widmeier]

I always had my students carry personal health insurance and required them to purchase liability insurance. Our liability insurance included personal injury while performing tasks required by their curriculum.  The link's liter below. 

http://www.hpso.com/schools/professional-liability

Keith Widmeier

BA, NR-P, FP-C

*From my iPhone*

[Eva Prewitt]

Duane,

I Concur!

Eva

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[micha...@shouldersenterprises.org]

Can anyone send me in the right direction to find adequate coverage for my students?

[Brown, Lee]

Don't have the link but we use HPSO.
Lee

Sent from my iPhone

On Feb 16, 2016, at 10:52, "micha...@shouldersenterprises.org" <micha...@shouldersenterprises.org> wrote:

> Can anyone send me in the right direction to find adequate coverage for my students?
>

[Keith Widmeier]

We always used HPSO as well. I'm honestly not sure what other companies are out there. They were easy to work with during setup and filing a claim for a minor injury.

http://www.hpso.com/schools/professional-liability

Keith Widmeier
BA, NR-P, FP-C
*From my iPhone*

[micha...@shouldersenterprises.org]

HPSO will not meet the requirements of the service we want our students doing clinical rotations with.

[Brown, Lee]

What are they requiring that HPSO doesn't cover?

Lee

Sent from my iPhone

On Feb 17, 2016, at 9:35, "micha...@shouldersenterprises.org" <micha...@shouldersenterprises.org> wrote:

> HPSO will not meet the requirements of the service we want our students doing clinical rotations with.
>

[Keith Widmeier]

What were the requirements? We had students get HPSO, required them to have their own health insurance, and sign ride time waivers vetted by the services legal department.

Keith Widmeier
BA, NR-P, FP-C
*From my iPhone*

> On Feb 17, 2016, at 10:11, micha...@shouldersenterprises.org wrote:
>
> HPSO will not meet the requirements of the service we want our students doing clinical rotations with.
>

[micha...@shouldersenterprises.org]

Does anyone have students doing clinical rotations with AMR? They must be.listed as an insured on the policy. HPSO will not do this.

[micha...@shouldersenterprises.org]

Jump in here Lee. I'm looking for insurance for the students of our upcoming class.

[Turpen, Lee]

Speaking for AMR, we currently have no Kentucky students riding along at either the Evansville or Lexington Operations. Henderson EMS's medic program was the last and they were able to gain the coverage for injuries. At that time, it was Daniel Carter who was the point person I was dealing with on the insurance requirements. Not sure who their insurance vendor was at the time. I do know that it is available as it is a national AMR policy and it is required to even be provided by AMR's own two national training institutions, NCTI and IHM, even when our own employees are riding as students.

We currently only have two training institutions riding with the Evansville Operation and moth are Indiana (IVY Tech and Vincennes University). Both have the coverage. You might contact Chuck Dietrick at IVY Tech Evansville.

I wish I could affect this one, but due to past law suits concerning injured students (even with waivers signed), it is national corporate policy.

Fraternally,
G. Lee Turpen II, CCEMT-P
QI Manager
American Medical Response
950 E. Virginia St.
Evansville, IN 47711

812-305-6211

-----Original Message-----
From: kentucky-em...@googlegroups.com [mailto:kentucky-em...@googlegroups.com] On Behalf Of micha...@shouldersenterprises.org
Sent: Thursday, February 18, 2016 8:00 AM
To: Kentucky EMS Educators <kentucky-em...@googlegroups.com>

[Turpen, Lee]

Just did... we must have been typing at the same time... We never see the policy. It is just in the agreement that they institution has to have the coverage. I can try to see if Chuck can tell me here in Evansville.

Fraternally,
G. Lee Turpen II, CCEMT-P
QI Manager
American Medical Response
950 E. Virginia St.
Evansville, IN 47711

812-305-6211

-----Original Message-----
From: kentucky-em...@googlegroups.com [mailto:kentucky-em...@googlegroups.com] On Behalf Of micha...@shouldersenterprises.org

Sent: Thursday, February 18, 2016 8:01 AM
To: Kentucky EMS Educators <kentucky-em...@googlegroups.com>
Subject: RE: Kentucky EMS Educators Insurance for field intenship

[Brown, Lee]

We don't use them. I have never had anyone ask to be listed on our policy. I know that even of the site wanted that, WKU would say no anyway.

Lee

Sent from my iPhone

On Feb 18, 2016, at 8:34, "micha...@shouldersenterprises.org" <micha...@shouldersenterprises.org> wrote:

> Does anyone have students doing clinical rotations with AMR? They must be.listed as an insured on the policy. HPSO will not do this.
>

[Brown, Lee]

I did reply....
Lee

Sent from my iPhone

On Feb 18, 2016, at 8:34, "micha...@shouldersenterprises.org" <micha...@shouldersenterprises.org> wrote:

> Jump in here Lee. I'm looking for insurance for the students of our upcoming class.
>

[Brown, Lee]

My bad - wrong Lee....
Lee " the other Lee" Brown

Sent from my iPhone

[Keith Widmeier]

HPSO does have individual policies for students. Click on the individual policy for the profession then under status as a healthcare professional, click student. For EMT in KY it's around $40/year. Paramedic students have to call in because they purchase individual liability as a provider and supplemental as a paramedic student.

Just go through the quick quote form at https://forms.hpso.com/quick-quote/selection.jsf

Keith Widmeier
BA, NR-P, FP-C
*From my iPhone*

[Brown, Lee]

I believe that in order for the policy to assure AMR has coverage, doesn't the policy have to indemnify AMR and the student? I know that WKU will not indemnify anyone on a policy. WKU purchases a blanket policy for our EMT and Paramedic students, therefore, we can't indemnify anyone on the policy.

Lee

[micha...@shouldersenterprises.org]

Lee "the other Lee" (ha-ha) you're exactly right. That's why I'm reaching out to see if anyone else has dealt with this issue.

We will work through this. I appreciate all of the input.