FAQs
Forms & PublicationsFrequently Asked Questions
1. How do I earn a risk management discount?
2. If I have a claim, who assigns my lawyer,
or do I get to pick my own?
3. What constitutes a claim?
4. Is there a charge for the UMIA Online
Education?
5. Do I have to participate in UMIA Online Education this year?
7. How long from when I submit my application
will I get confirmation of
insurance?
9. Do I have to wait until I get my medical
license before I can submit an
application?
10. Can I get a quote for insurance costs prior
to submitting an
application?
11. How do I add ancillary people to my policy?
12. How can I cancel my coverage, and how soon
before my cancellation date should I notify UMIA?
13. Do you add an interest or surcharge for
any of the pay options for
premium?
14. What payment plans
are available?
15.
Can I pay my premiums with my credit card?
16.
I do not have a copy of my bill. How can I receive
a copy?
17. The information on my bill is incorrect.
Who should I contact to have the corrections made?
18. I am moving to another
state. Can UMIA still provide insurance coverage for me?
19. Do I need to purchase
prior acts or tail coverage?
20. When I pay my premium,
do I need to send anything else in with my check?
21. I am part of a corporation.
Where will my invoice be mailed?
22. My current invoice
amount differs from my previous invoice amount. Why?
23 . If I do not work
full-time, can I receive a part-time policy from UMIA?
24. I am considering
changing the procedures I perform. Will this result in a change
in premium?
25. Can I make
a partial payment on my premium?
How do I earn a risk management discount?
All physicians who want the Risk Management Discount added to their
premium must complete the UMIA Online Education curriculum for his/her
specialty once every three years. Physicians who have been insured
by UMIA over 10 years without a paid claim over $50,000 receive
the Risk Management Discount automatically. Those physicians in
the specialties of psychiatry, dermatology (Class 1), radiation
oncology (Class 3), and pathology must submit proof of CME attendance
at a risk related program provided by their specialty group to receive
the discount.
Physicians receiving a “New Practitioner” discount (defined
as new to the practice of medicine) have one year from the effective
date of coverage to attend the Risk Management Workshop to maintain
the discount. The discount expires after one year without program
attendance.
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If I have a claim, who assigns my attorney
or do I get to pick my own?
UMIA will assign you an attorney to your claim from a group of experienced
and knowledgeable medical liability defense attorneys who have a
proven record with our company. You may hire your own attorney to
advise you on various issues as defense of your claim moves forward.
The cost of your personal attorney is not covered by UMIA.
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What constitutes a claim?
The word “claim” has various meanings depending on who
is doing the talking. For example, for the UMIA claim department,
a claim is when you receive a 90-day Notice of Intent, a subpoena,
or a demand from an attorney or patient for money. These events
result in a file being opened for the “claim” and assignment
of an attorney.
For risk management purposes and loss free credits, a claim is any
paid event over $50,000.
For application purposes, such as for medical staff membership,
a claim may be any report of intent to sue even though no formal
claim resulted. For application purposes, it is best to list any
event that created a record, for example, as with the professional
licensing board for a pre-litigation hearing, even though there
was never a formal claim.
For the National Practitioner Data Bank (NPDB), any “claim”
is a claim in which money was paid to the claimant. Payments made
under the “no fault” provision of the UMIA policy are
not reportable to the NPDB.
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Is there a charge for the UMIA Online
Education?
No. All insureds are able to participate in UMIA Online Education
by visiting umiaonlineeducation.com
and logging in as a new user.
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Do I have to participate in UMIA Online Education this year?
Participating in UMIA Online Education is voluntary. If you want
to maintain your risk management discount you must complete the
UMIA Online Education curriculum for your specialty once every three
years. To check on the date of your last attendance, call Jeri James
at (801)531-0375 or send an email to jjames@umia.com. You will receive an answer by email by the end of the next business
day.
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How long from when I submit the application
will I get confirmation of
insurance?
It takes 2-3 days to process and application and get your Declaration
Sheet
and policy returned by mail.
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Do I have to wait until I get my
medical license before I can submit an
application?
Physicians can submit an application prior to getting a license
and bind coverage when the license is received. The license number
must be called into UMIA.
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Can I get a quote for insurance costs
prior to submitting an application?
It is not necessary to complete an application for a quote. Call
the Underwriting Department (801)531-0375 for an estimate on the
cost of a policy for the desired level of coverage.
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How do I add ancillary people to my
policy?
To add ancillary coverage to a policy, download the application
for Ancillary Personnel Professional Liability Insurance as Additional
Named Insured Application, fill it out and fax it to UMIA (801)531-0381.
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How can I cancel my coverage, and how
soon before my cancellation date should I notify UMIA?
To cancel your policy mail or fax us written notice stating when
the coverage is to end. Also indicate whether an Extended Reporting
Endorsement (tail coverage) will be purchased. UMIA will provide
you with a premium due amount for this coverage. Physicians have
sixty (60) days from the date of termination to purchase this endorsement.
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Do you add an interest or surcharge
for any of the pay options for premium?
Physicians paying premium monthly have a service charge added to
cover
the cost of this service. If you pay quarterly, semi-annually, or
annually,
there is no service charged added.
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What
payment plans are available?
You can be billed annually, semiannually,
quarterly, or monthly. There is a service fee for the monthly
payment plan.
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Can I pay
my premium with a credit card?
UMIA cannot accept credit card payments at this time.
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I do not have a copy of my bill.
How can I receive one?
Please call (801) 531-0375 and ask
for the Billing Department to request a copy.
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The information on my bill is incorrect.
Who should I contact to have the corrections made?
Please call (801) 531-0375, and you will be routed to the appropriate
department.
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I am moving to another state.
Can UMIA still provide insurance coverage for me?
UMIA currently operates in Idaho, Montana, Utah, and Wyoming.
At this time UMIA does not offer insurance policies in other states.
If you are moving, please call (801) 531-0375 and ask for the Underwriting
Department as your policy will need to be changed.
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Do I need to purchase prior acts
or tail coverage?
For questions of this nature, please call (801) 531-0375 and ask
for the Underwriting Department.
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When I pay my premium, do I need
to send anything else in with my check?
Yes. It is essential that you send in the payment stub with
your check to assure your payment is credited to the correct policy?
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I am part of a corporation.
Where will my invoice be mailed?
Your invoice is mailed to the corporation.
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My current
invoice amount differs from my previous invoice amount. Why?
There are a number of variables that could be responsible
for the change in your premium amount. Please call (801) 531-0375
and ask for the Billing Department to get a detailed explanation
of your premium charges.
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If I do not work full-time, can
I receive a part-time policy from UMIA?
Please call (801) 531-0375 and ask for the Underwriting Department
for questions of this nature.
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I am considering changing the procedures
I perform. Will this result in a change in premium?
Possibly. Please call (801) 531-0375 and ask for the Underwriting
Department for questions of this nature.
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Can I make a partial payment on
my premium?
Yes. However, the remaining balance is still due by the due date
indicated on the invoice. If you are unable to make the full
payment, you may want to consider changing to a more frequent billing
schedule. There is a service fee associated with the monthly
payment plan.
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