The recent expansion of government regulations make healthcare providers vulnerable to allegations of fraud, abuse and the misuse of private healthcare information. RAC (Recovery Audit Contractors), ZPIC (ZoneProgram Integrity Contractors) and Commercial Payor task forces are aggressively reviewing Medicare and Medicaid providers for compliance with proper billing, HIPAA, STARK and EMTALA laws.
While commonly referred to as “fraud prevention efforts,” the allegations in these audits are rarely fraud or abuse, instead, they’re subjective allegations that leave every healthcare provider vulnerable to being accused of improper billing
MEDEFENSE®; Plus from... MORE
Miscellaneous Medical Malpractice (Allied)
NAS’ Allied Medical Malpractice insurance offers some of the broadest coverage in the market. Limits for Professional and General Liability are available up to $5,000,000.
Unique features of the facility include our e-MD® and MEDEFENSE® Plus endorsements. e-MD® provides cyber liability coverage for patient notification and credit monitoring costs, network security and privacy, data recovery costs and media liability.
MEDEFENSE® Plus provides insureds with essential defense cost and fines and penalties coverage for allegations of over-billing, HIPAA, EMTALA, and STARK violations.
Sexual Misconduct coverage is also availabe by endorsement.
Non-Standard Professional liability coverage is designed for physicians and surgeons who have had claims frequency or severity issues, board actions or have been, or are currently on, probation.
The following providers may also be included as additional insureds:
Registered Nurse Practitioners
Certified Registered Nurse Anesthetists
e-MD® Cyber Liability For Healthcare
Physicians and other healthcare entities are increasingly exposed to privacy related claims such as lost laptops, rogue employees, hacking and virus attacks which can result in an embarrassing and costly loss. e-MD®, the cyber liability insurance solution for healthcare providers, offers a comprehensive suite of data security and privacy insurance solutions that are custom-tailored for the unique needs of healthcare businesses.
Security & Privacy Liability- Includes coverage for both online and offline information, virus attacks, denial... MORE
Miscellaneous E&O for Healthcare Professionals
Whether you’re a physician providing consultative services, a company providing healthcare consulting services, or a Medical Director seeking protection for administrative duties, we have enhanced our E&O program with more robust coverages for a growing list of exposures. Coverage can extend to consulting companies.
NAS can cover most medical-related services for risks that fall outside a medical malpractice policy due to no direct patient contact.
Social Services Professional and General Liability
Beyond traditional medical malpractice insurance, NAS offers expanded PL/GL coverage to meet the growing needs of personal, family and community services organizations.
Eligible classes include, but are not limited to, the following:
Inpatient Mental Health & Substance Abuse/Rehabilitation Facilities
Transitional Living Facilities (Homeless Shelters, Halfway Houses, etc.)
Group Homes for the Developmentally Disabled
Adult Day Care & Sheltered Workshops
Meals on Wheels
Outpatient Mental Health Counseling (Family, Behavioral, Substance Abuse, etc.)
Employee Assistance Programs
Day Schools for the Developmentally Disabled
MEDEFENSE® Plus (Reinsurance Basis)
Our renowned MEDEFENSE® Plus is also available on a reinsurance basis for medical professional liability insurers. Available as a customized integrated product of a primary med mal policy, NAS provides this breakthrough regulatory billing E&O coverage to insurers of all types and sizes. In addition to the insurance coverage, NAS also provides comprehensive support services including customized policy wordings, underwriting, risk management resources and expert claims handling.