I am often asked questions about the Kansas Health Care Stabilization Fund. To keep things simple I will refer to it simply as the Fund. It seems not everyone understands the Fund and I thought it might be a good idea to address the topic. The Fund was established when the Kansas health care providers were confronted with medical professional liability problems in the mid 1970s that resulted from changes in the legal, medical, social and economic environments.
These environments created problems in availability of health care and the cost of medical professional liability was impacted. The Kansas Health Care Provider Insurance Availability Act was established. The Fund was established for the following reasons:
Provided excess professional liability coverage for defined health care providers
Mandated a basic professional liability insurance requirement for defined health care providers
Established an Availability Plan to provide the required basic professional liability insurance for providers who could not obtain such coverage from commercial insurers.
There are several medical practitioners and health care facilities that are required to participate. The practitioners include MDs, DOs, DCs (chiropractors), DPMs (podiatrists), RNAs and DDSs (dentists certified to administer anesthetics). It is important to note PAs are not required to participate in the Fund.
In credentialing health care providers we are concerned with two different aspects of the Kansas Health Care Stabilization Fund. First is compliance. We want to know if the practitioner is complying with the requirements of the Fund. Secondly we want to address the claims history of the provider. We write to both the primary insurance carrier for a claims history and we also request a claims history from the Fund. We compare the claims histories to the National Practitioner Data Bank report and any discrepancies are revealed in the final quality check of each initial appointment and reappointment file.
Further information on the Fund can be found on their website at http://hcsf.kansas.gov/Pages/default.aspx