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Effective 1/1/2017, MedGuard is included with all MEDICAL MUTUAL medical professional liability policies with no increase in your medical professional liability premium.

MedGuard is a defense coverage provided by MEDICAL MUTUAL that works as an adjunct to an Insured's professional liability coverage. MedGuard adds an extra layer of security beyond traditional medical malpractice coverage by helping to defray the costs associated with expensive administrative proceedings that Insureds or their professional organizations can be subject to. The annual aggregate limit of insurance for MedGuard is $50,000 for covered legal expenses.

MedGuard also includes e-dataRESPONSE, which provides substantial coverage for a variety of regulatory and legal obligations related to the breach of electronic or paper records. For more information on e-dataRESPONSE coverage, click here.

MedGuard pays to defend you against certain administrative proceedings concerning:

Biomedical waste disposal
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
Wrongful contract termination
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
Office for Civil Rights
Defense for claims alleging discrimination or unequal access
Americans with Disabilities Act
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
Emergency treatment
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
Hospital, HMO/PPO, and Local and State Society Peer Reviews
Defense for claims concerning activities related to peer reviews
State Licensure and Disciplinary Boards
Defense for claims initiated by licensure and disciplinary boards
Professional Review Organization
Defense for claims initiated by professional review organizations
RAC Audit
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). (Excludes fraud or willful non-compliance with Medicare/Medicaid or other similar statutes, regulations or procedures.)

MedGuard also includes support from AllClear ID, a national leader in identity theft protection. In the event that your identity is stolen while you have coverage, AllClear ID will work with you to recover any financial losses and restore your credit.