Missouri Hospital Plan is the leading writer of medical professional and general liability insurance for Missouri hospitals, their employees, subsidiaries, and related operations.
MHP was the solution to the malpractice crisis of 1985 by bringing to the market reasonably priced insurance as a “mutual” insurer. Its not-for-profit, tax exempt status and highly cost effective management by HSG has made MHP the leading insurer of Missouri not-for-profit hospitals and employed physicians.
Our “mutuality” (meaning we are owned by our insured hospitals) has resulted in a long history of providing unequaled low priced medical professional and general liability insurance, extensive value added services and the payment of significant dividends to hospital members. Demonstrating highly efficient practices, MHP is consistently positioned well below the national expense ratio average, providing additional revenue to the bottom line and increased dividends to our members.
Healthcare Services Group (HSG) Family of Companies believes in giving back to its members and policyholders. The Companies employ highly efficient operating practices, keeping the expense ratio well below the national average, providing additional revenue to the bottom line, and allowing us to sustain increasing dividends and profit sharing to policyholders.
In 2016, HSG announced a record-setting $14.9 million in dividends and profit sharing by its companies, Missouri Hospital Plan and Medical Liability Alliance, the largest writers of medical professional liability insurance in Missouri. This is not only the largest combined return in company history, but also the biggest year-over-year increase since 2008.
MHP DIVIDEND FACTS
Fact 1: Eligibility: Members are eligible to receive dividends after one year upon renewal
Fact 2: 2016 Return: $13.1M was returned
Fact 3: Dividend Sharing Ratio: MHP’s 60% dividend ratio is more than 20 times that of industry peers
Fact 4: Over the past five years, payouts have increased by 23%
Fact 5: Rate History: Insurance policy rates have been maintained or decreased every year since 2004
For more information visit the HSGCF page.
During normal business hours (8a-4:30p), simply call our home office and request our Risk Management staff.
After normal business hours, call our regular telephone number and our automated telephone system will provide instructions on how to activate the 24/7 Adverse Outcome Hotline. Callers will then be asked to provide a brief description of the event, their name, and telephone number. HSG Risk Management staff will return the call as soon as possible.
Each section provides information and additional resources about the topic, along with relevant sample policies.
Content available includes:
Facility and Environment: Cleaning and Safety
Healthcare Provider Practice
Communication and Follow-up
Emergency Protocols & Fire Safety
Regulations and Standards
The manual also serves as an excellent employee orientation manual and training resource. It includes a Clinic Self-Survey that is helpful in identifying potential liability risks, particularly in clinic-type settings. After completion of the Clinic Self-Survey, it will be reviewed and specific recommendations and action plans will be developed to help you address opportunities for improvement. In addition, a report comparing your organization to other survey respondents will also be produced.
Copyright © 2010 Healthcare Services Group. The materials contained in CONCEPTS are proprietary and may not be distributed or reproduced without the express consent of HSG. MLA insureds have permission to reproduce and use information contained in this manual within their facilities.
HEALS provides education and support to insured healthcare providers after they experience a bad patient outcome, during a complaint investigation and during malpractice litigation. The program focuses on the healthcare providers’ thoughts, concerns and questions about the events unfolding around them. HEALS is an information sharing program with its primary objective being to help providers return to peak performance as quickly as possible.
HSG’s Claim Department and the Risk Management & Patient Safety (RM&PS) Department work closely together to deliver the HEALS program to insured clients. HEALS is part of HSG’s claims services. HEALS is managed and controlled by the Claim Department as part of the claims process but delivered by HSG’s RM&PS Department. Since it is a part of the claims management process, the information discussed is privileged just like other claims related information.
For more information: Risk Management & Patient Safety Newsletter, Spring 2014, Volume 11, No. 2 newsletter & HEALS brochure.
The SRAT breaks down each audit protocol into subparts and consolidates the guidance and requirements into self-contained units that guide the users to the required policies and procedures. SRAT starts with the required Risk Assessment and ends with Breach Protocol requirement.
Content available includes:
HIPAA Compliance Program Overview
HIPAA Audit Preparation Security Rule Audit Tool
Basics of Analysis and Risk Management for HIPAA Security and Privacy Rules
Administrative Safeguards Risk Assessment
Physical Safeguards Risk Assessment
Technical Safeguards Risk Assessment
Privacy Rule & Breach Risk Assessment
References and Resources
SRAT Audit Protocol Phase I
SRAT Audit Protocol Phase II
We believe that our insured clients who apply solid risk management practices should see their efforts reflected in their premium. Participation is strictly voluntary in program; however, it can result in a discounted premium of up to 7.5% on your professional liability insurance renewal.
The first part of the program focuses on education. There are two ways to earn the education premium discount — up to 5% per year. Eligible insured Physicians/Surgeons or Allied Healthcare professionals can attend a one-hour, on-site risk management program, provided by a MLA consultant, for 3% premium discount or successfully complete our online educational courses for 1% premium discount for each completed course. These options can be combined to earn a total of 5% education premium discount per year.
The second part of the program focuses on self-survey and office practice assessment and provides a 2.5% premium discount for two years upon premium renewal. Our Clinic Self-Survey is designed to assist in identifying and correcting risk management concerns in your office practice. In addition to the premium discount you will earn for reviewing and completing this Clinic Self-Survey, it will be reviewed and specific recommendations and action plans will be developed to help you address opportunities for improvement. A report comparing your organization to other survey respondents will also be provided.
To report a claim or lawsuit, contact your claim representative by phone or submit pertinent information, lien letter, or petition by mail, fax or email to:
Mail: P.O. Box 1498, Jefferson City, MO 65102
Email: firstname.lastname@example.org or one of the HSG Claim Management Team members directly.
During normal business hours (8a-4:30p), simply call our home office and request our Claim Management staff. After normal hours, call our regular telephone number and our automated telephone system will provide instructions on how to activate the Claims Urgent Response System. Callers will be asked to provide a brief description of the event, their name and telephone number. A member of our Claims Management staff will return your call as soon as possible.
Our attorneys are available to consult with insureds concerning legal matters, even if a formal claim has not been made. Such matters may include advice on HIPAA compliance, responding to complaints or requests by patients or family members, and other legal matters.
Our claim representatives can assist our insureds in responding to subpoenas and other requests for the production of medical records or other documents. When appropriate, we will retain outside counsel as well to represent the insured’s interests.
When an insured client or any of its employees are subpoenaed or requested to give a deposition regarding medical care (even if a formal claim has not been presented), we will assign an attorney to represent and defend the individual at the deposition. Our claim representative may also attend the deposition.
When a licensing board or other governmental agency requires an insured client or any of its employees to provide records, create a written summary, or appear in front of the board or agency, our claim representatives will assist throughout the process and will retain an attorney to represent the insured.
ProCon has developed a Cyber Liability program specifically designed for hospitals and leveraged the buying power of the group, resulting in broad coverage with an extremely competitive pricing model. The policies cover a variety of expenses associated with data breaches, including: notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.
HAT combines most of the benefits of self-insurance with the protection of guaranteed cost programs. Its group trust arrangement gives it the ability to control price, based on its own experience combined with improved safety and claim management efforts. The board consists of participants that have a vested interested in reducing injuries and claim costs. Like other HSG companies, the Trust has been very profitable for many years and has returned substantial dividends to its members.
ProCon is the exclusive agent for HAT and can also access commercial markets to provide coverage for smaller hospitals on a guaranteed cost basis and self-insurance programs.
Members have realized substantial savings and employee benefit plan improvements as members of this group.
Contact Information? Or for more information HSGEBC Link?
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For information on retirement plans call Josh Selzer at 800-683-3440.
For information on all other benefit plan products call Randy Lueckenotte at 800-869-5994.