MedGuard. The ProAd. The Coverage You Need. Coverage for the Legal Expenses of Defending Against Administrative Proceedings

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3 Defense Coverage for medguard The Extra Protection You Need A basic professional liability policy pays the costs of defending and indemnifying you against lawsuits involving allegations of medical malpractice. Your Professionals Advocate policy offers so much more than basic protection! The ProAd Advantage includes as part of your professional liability insurance. In the event an Insured is subject to certain administrative proceedings, adds an extra layer of security by helping to defray the costs associated with those legal expenses. Individual Doctors with will receive support from AllClear ID, a national leader in identity theft protection. In the event that your identity is stolen while you are covered, AllClear ID will work with you to recover any financial losses and restore your credit. is especially important for business entities. For example, a health insurer that has a contract with your business entity could name that entity in a covered administrative proceeding. Moreover, is invaluable in the event of a privacy breach since your business may be the covered entity most likely required to respond to the breach. The component that addresses privacy breach, e-dataresponse, includes payment, on behalf of an Insured, for out-of-pocket expenses for specific services, fines, penalties and fees obligated by a privacy breach. To offer even more protection to our Insureds, ProAd has recently added a number of enhancements to. Just as there is no additional fee for your, there is no additional fee for these enhancements. for these new features is added automatically to all eligible individual and organizational policies. for Virginia Doctors has an annual aggregate limit of insurance of $25,000.

4 the pays to defend you against certain administrative proceedings initiated by: Hospital, HMO/PPO Peer Review Local and State Society Peer Review State Licensure and Disciplinary Boards OSHA Professional Review Organization Medicare* The U.S. Department of Health and Human Services, Office for Civil Rights Please note, as with any insurance, the premiums for, and the s provided by, Professionals Advocate, including all terms, conditions and exclusions are set forth in your policy and related documents. The descriptions contained in this brochure are intended only as general descriptions of how works. For information about, please contact your Insurance Producer or the Professionals Advocate Customer Service Department at Additional information about is also available on our web site: the enhancements In an effort to better serve you, we have added these enhancements to the Coverage: Defense in an investigation, civil suit or administrative proceeding brought by a state or federal agency alleging improper submission of claims for Medicare or Medicaid reimbursement (commonly referred to as a RAC Audit).* Access to AllClear ID. Defense for claims brought by patients alleging violation of the Americans with Disabilities Act in regard to physical accessibility of the medical office or refusal to provide medical professional services to a disabled person. Reimbursement of legal costs when a court or arbitrator renders a final ruling that a health care insurer terminated the Insured s provider contract solely because the Insured advocated appropriate medical care on behalf of the Insured s patients. Defense for claims against the Insured alleging bodily injury or property damage arising from the Insured s disposal of biomedical waste generated by the Insured s medical practice. Payment for emergency treatment expenses, regardless of fault, for bodily injury caused by an accident arising out of care rendered by any individual Insured in the medical office. Defense in an investigation by OSHA. * Excludes fraud or willful non-compliance with Medicare/Medicaid or other similar statutes, regulations or procedures.

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