Maryland: Medical Malpractice Insurance Requirements for 2023
Maryland physicians are not legally required to carry medical malpractice insurance. If a physician chooses to forego coverage, they are required to notify their patients in writing at the time of the patient’s first visit, and as part of obtaining the patient’s informed consent for any procedure or surgery, that they lack medical malpractice insurance. Maryland physicians are also required to post their lack of medical malpractice insurance coverage in their place of practice.
However, Maryland physicians are required to carry medical professional liability insurance limits of $1 million per occurrence or claim and $3 million per annual aggregate to obtain hospital credentialing and to participate in health plans in Maryland.
Maryland: Medical Malpractice Insurance Outcomes for 2021
TOTAL PAYOUT
The total medical malpractice payout in Maryland for 2021 was $46,361,500.
TOTAL PAYOUT VS. OUTCOME
TYPE OF INJURY
PATIENT AGE
PAYOUTS BY PATIENT TYPE
PAYOUTS BY PATIENT GENDER
MARYLAND MEDICAL MALPRACTICE INSURANCE RATES BY SPECIALTY
| Specialty | Approximate Rate | Minimum Rate | Maximum Rate |
|---|---|---|---|
| Anesthesiology | $17,000 | $7,000 | $35,000 |
| Cardiovascular Disease Minor Surgery | $24,000 | $12,000 | $35,000 |
| Emergency Medicine | $37,000 | $19,000 | $53,000 |
| Family Practice No Surgery | $14,000 | $7,000 | $21,000 |
| Gastroenterology No Surgery | $17,000 | $10,000 | $25,000 |
| General Surgery | $51,000 | $19,000 | $82,000 |
| Internal Medicine No Surgery | $15,000 | $7,000 | $21,000 |
| Neurology No Surgery | $20,000 | $10,000 | $30,000 |
| Obstetrics and Gynecology Major Surgery | $109,000 | $77,000 | $159,000 |
| Occupational Medicine | $11,000 | $6,000 | $20,000 |
| Ophthalmology No Surgery | $10,000 | $5,000 | $16,000 |
| Orthopedic Surgery No Spine | $47,000 | $19,000 | $67,000 |
| Pediatrics No Surgery | $15,000 | $8,000 | $21,000 |
| Psychiatry | $11,000 | $6,000 | $16,000 |
| Radiology – Diagnostic | $21,000 | $10,000 | $26,000 |
*State filed rates from 2016
If you’re a physician working in Maryland and looking for medical malpractice insurance, reach out to MEDPLI. We work with doctors in most specialties. If you’re a surgeon based in Baltimore, an OB/GYN in Gaithersburg, or an oncologist in Annapolis, we will help you obtain coverage from an A-rated carrier.
MEDPLI offers tail insurance, group coverage, private practice malpractice coverage, and more. See our Products & Services page to find out how we can help you.
About the Author
Max Schloemann is a medical malpractice insurance broker helping physicians and surgeons secure Medical Professional Liability coverage. A Magna Cum Laude graduate of Southern Illinois University’s College of Business, he was named Outstanding Management Senior.
Max began his career in 2008 at an industry-leading firm and founded MEDPLI in 2017 to guide private practice doctors and physicians in transition through the complexities of malpractice insurance.
Outside of work, Max, his wife Kristen (a Physician Assistant), and their four kids enjoy the outdoors and attending the kids’ sporting events. For malpractice insurance questions, you can contact Max here.
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