ChiroPreferred’s COVID-19 FAQs and Risk Resources
We know the COVID-19 (Coronavirus) pandemic is generating concerns and questions for everyone right now — including chiropractors. To support you during this time, we’ve put together a few resources to help answer coverage questions and offer guidance on how to manage this outbreak.
Frequently Asked Questions
We've put together a list of FAQs to address some common concerns you may have during this time.
Additionally, we are maintaining a series of links to COVID-19 risk resources from authoritative organizations.
Finally, we wish to honor and thank our customers for continuing to play a vital role in supporting our communities through this crisis. We’re honored to support your work.
Frequently Asked Questions
The responses below are intended to apply for circumstances arising from the COVID-19 pandemic and are subject to revision as circumstances evolve.
> UPDATED OCTOBER 27, 2020
Please note all coverage is subject to actual policy terms and conditions.
Am I covered for patient claims involving COVID-19, including the unintentional transmission of the novel coronavirus (SARS-CoV-2)?
Yes. Unless your policy contains an endorsement specifically excluding claims arising from COVID-19, which would most commonly be applied on policies with significant senior care facility exposure, we expect most patient claims alleging professional negligence relating to COVID-19 would be covered. If you’re concerned about coverage for COVID-19 claims involving transmission of the virus to employees, we suggest reviewing your workers compensation policy for potential coverage. For claims involving transmission of the virus to members of the general public, we suggest reviewing your general liability policy for potential coverage.
Do I need to maintain my liability insurance in light of recent federal and state laws, regulations, orders and declarations granting various levels of immunity from liability for certain providers treating COVID-19 patients?
The specific application of immunity protections will depend on the particular facts and circumstances of each case. In the event a claim is made against you, MedPro will defend any covered claim regardless of whether immunity applies. Please refer to the following websites for a listing of various federal and state actions, including grants of immunity:
- Medical Professional Liability Association (MPLA) - COVID-19 Pandemic State Government Activity
- U.S. Congress - CARES Act
- U.S. Department of Health & Human Services - PREP Act
Will my coverage remain in force if I temporarily convert some or all of my existing practice to telemedicine or virtual office visits for existing and/or new patients?
Yes, as long as those patients are located in a state(s) in which you are authorized or licensed to practice, even if your practice in that new state is being conducted under an applicable federal or state waiver. You do not need to notify us about such temporary changes. However, starting a new practice or business (with a new patient base) will require an application and will be subject to underwriting review.
Will my coverage remain in force if I am temporarily practicing in/from a different physical location (e.g., another facility, office, parking lot, temporary testing center)?
Yes, as long as those patients are located in a state(s) in which you are authorized or licensed to practice, even if your practice in that new state is being conducted under an applicable federal or state waiver. You do not need to notify us about such temporary changes.
Will my coverage remain in force if I am temporarily practicing in a new state in which I AM authorized or licensed to practice in response to the COVID-19 pandemic?
Yes. However, you should notify us as soon as possible if you are beginning to practice in CT, IN, KS, LA, NE, NM, PA and WI since those states may require separate limits, additional information and/or premium for enrollment in their state funds. Please refer to the Federation of Chiropractic Licensing Boards for some helpful information about chiropractic board actions in response to the COVID-19 pandemic.
Will my coverage remain in force if I am temporarily practicing in a new state (whether care is provided in-person or remotely) in which I AM NOT authorized or licensed to practice?
Yes, if your practice in that new state is being conducted under an applicable federal or state waiver. Please refer to the Federation of Chiropractic Licensing Boards for some helpful information about chiropractic board actions in response to the COVID-19 pandemic.
Will my policy provide coverage if we rehire retired or inactive doctors, advanced practice providers and staff?
Such individuals may (re)apply for coverage and will be reviewed on a case-by-case basis. We will not consider such temporary practice in response to the COVID-19 pandemic a breach of permanent retirement provisions for free tail coverage.
Will my policy provide coverage if I hire a substitute (locum tenens) provider due to COVID-19 developments?
Yes, coverage is available at no additional premium for qualifying providers who wish to employ a locum tenens provider during a short-term absence not to exceed 45 days. You do not need to notify us about such temporary changes.
Please note we are unable to provide locum tenens coverage in CT or for fund-enrolled providers in IN, KS, LA, NE, NM, PA and WI.
Will my policy provide coverage for volunteer work?
Yes, for insureds already covered on a policy. If someone is not currently an insured on a policy, they must apply for coverage with us in order to be added to the policy. In addition, there may be protections afforded to individuals under certain state Good Samaritan laws.
Will my policy provide coverage if we provide daycare services for children of employees?
For those policyholders who purchase General Liability coverage, we will consider requests to cover such temporary arrangements.
Will ChiroPreferred be able to address any urgent coverage changes or requests related to the providing of care in support of COVID-19 medical efforts?
We realize that COVID-19 developments may result in a need for additional healthcare support in many communities. This may include the addition of new providers, some of whom may be coming out of retirement, as well as existing providers looking to expand the scope of their duties. We will make every effort to prioritize these types of time-sensitive coverage requests. We ask that you reach out to your agent or broker who can help us identify and prioritize any such time-sensitive requests.
Is business interruption or crisis management coverage available for losses involving COVID-19?
Our healthcare liability policies do not provide Business Interruption coverage. We suggest reviewing your property insurance policy for potential coverage.
How is MedPro handling premium payments during the COVID-19 pandemic?
In response to the COVID-19 pandemic and state of emergency declarations, MedPro announced in March that it was temporarily postponing until June 30, 2020 the due dates for outstanding premium payments originally due on or after March 13, 2020, or as otherwise required.
MedPro subsequently announced and implemented a deferred payment plan for insureds who met certain qualifications and faced challenges in paying the full amount due by June 30, 2020. While the offer date has since expired to enroll in the deferred payment plan in most states (except in Arkansas, New Jersey and Oregon)*, we encourage insureds to contact their agent/broker should financial circumstances prevent payment in full of billed premiums when due.
Click here to view state-specific premium relief information. States requiring additional payment options include AR, DC, MI, NJ, NM, NY and OR. We will continue to monitor developments, including state regulatory changes, and adjust our response accordingly.
Please contact your agent/broker with questions (or call MedPro Customer Service at 800-463-3776 if you don’t have an agent/broker).
What if my practice is being temporarily suspended or reduced due to COVID-19 developments?
Insureds in some locations and specialties may qualify for a premium discount. Please contact your agent/broker to discuss whether you might qualify.
What if I am a New York policyholder whose premium payments are impacted by financial hardship due to COVID-19?
Click here to read about the payment relief we are offering our New York policyholders. On March 30, 2020, following Executive Order No. 202.13 by the Governor of New York, the New York Department of Financial Services (DFS) issued an Emergency Regulation requiring insurers to grant premium payment relief to New York consumers and small businesses experiencing financial hardship due to COVID-19.
What should I do if I have questions relating to employment matters in my practice (e.g., asking employees to come to work, sign waivers, go on furlough, take pay cuts, etc.)?
We recommend seeking advice from your personal/employment attorney.
How are the COVID-19 developments impacting ChiroPreferred staff and service?
Our commitment to the health and wellbeing of our employees and families is of utmost importance. We are presently taking steps in each of our office locations to protect our staff and reduce the potential for community spread. While our goal is to avoid or minimize any adverse impact to our customers, we will keep you apprised and updated of any further changes that may cause a disruption to our service levels. To play our part in reducing the spread of this virus, we’ve restricted all business travel, but remain available by phone, email, video conferencing, etc.
How should I document changes or variations in care as a result of the COVID-19 pandemic?
ChiroPreferred recommends developing a consistent approach to documentation that includes an explanation such as “In response to the COVID-19 pandemic, …” and further describes decision-making, actions, variations in care, follow-up treatment, etc. For example:
“We are rescheduling [PATIENT NAME] appointment because it is not considered an essential treatment under the state’s emergency declaration in response to the COVID-19 pandemic. The appointment was rescheduled for [DATE], and the patient was advised to contact the practice or go to the emergency department if any changes occur.”