Two kinds of policy
- Occurrence: covers anything that happened while the policy was active, even if the claim comes years later.
- Claims-made: covers claims made while the policy is active. When it ends, you may need "tail" coverage for claims that come later.
Leaving a job
If your old employer had a claims-made policy, ask who pays for tail coverage. It's often negotiable.
What facilities will ask for
Surgery centers and offices usually require certain coverage limits and proof of insurance before you start. Ask early.
Group policies
If you're building a group, a group policy can be simpler and cheaper than individual ones. Talk to a broker who works with anesthesia providers.
This article is general information, not billing, legal or tax advice. Payer rules change; always check current guidance.
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