Most of the malpractice suits are bogus. Lawyers go after doctors and hospitals because there are the possibilites of collecting money. If there were no deep pockets that would cut way back and when a doctor was truely guilty of malpractice he’d lose his license. The way it is now it’s just a cash cow that you and I pay for.
And because of bogus malpractice suits, malpractice insurance premiums on average are about 1/3 of the practice’s gross income. Of course the lefties here in Minnestoopid “reason” that if malpractice premiums are so high, it must be that the doctor screwed up.
I know all that. But the malpractice insurance (the deep pocket) has nothing to do with the medical insurance provider. The providers don’t sue the doctors and hospitals - the patients sue as individuals. That has nothing to do with their coverage provider. The coverage provider is not involved in the relationship between the patient and the doctor and/or hospital. When someone sues for malpractice, they’re suing under tort law for personal and sometimes punitive damages based on injury to their person. The goal is to get money, but the basis and content of the suit - the tort — is not about money. It’s about damage to their person. The monetary value placed on that is secondary to and predicated on the damage. It isn’t the subject/heart of the suit itself.
Apples and oranges. There’s no relationship between the two (malpractice insurer and medical coverage carrier).