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Directors and Officers Insurance
This kind of insurance is taken to provide adequate security to directors and officers of a company in case they got sued by shareholders, creditors, competitors, and consumers for any omission, fraud, cheat, and other event in concern with that company. This particular type of insurance has been introduced to safeguard the interests of directors and officers of a company in case they are accused of errors and omissions in their normal course of working.
Also known as D&O insurance, this type of insurance protects directors and officers of any unforeseen financial liability. It will also include other insurance like Employment Practices Liability and at extent Fiduciary Liability.
Insurance for directors is often misinterpreted with Errors & Omissions Liability which is an incorrect concept. Directors officers insurance is major deals with negligence and omission in daily performance of a person whereas Error & Omission Liability concerned with lack in providing adequate service in terms of products and services. In normal situations, companies take such insurance protection while in some companies both directors and company share the responsibility of paying off the premium.
Where to Find Directors & Officers Insurance?
There are many insurance companies and institutions where you can find adequate protection policy to secure your company’s directors and officers. Companies having a full-fledged board of director usually sought for such insurance policy to protect their personnel.
Need for Directors and Officers Insurance
Such insurance is necessary for dealing with the claims of stockholders, employees, and clients. There will be cases, when directors are to be blamed for improper running of the company’s function and duties.
It is important because investors and board members will be unwilling to risk their personal wealth and assets to provide adequate compensation in the company. It safeguards the officers and directors from all such miss happenings and keeps them tranquil for life.
About the Author
For further information on Directors and Officers Insurance, D&O insurance, and insurance for directors please contact directly on 01480 470220 or visit at www.directorliability.co.uk
Is there a way to find out how much doctors offices get reimbursed by insurance companies?
Wondering if there is a specific website that lists different insurance companies and what they reimburse doctors offices for certain drugs
Injectibles kept in stock in doctors offices.
What do you mean “what doctor’s offices get reimbursed for certain drugs” ?
If you’re talking about prescriptions, the insurance company doesn’t reimburse the doctor – the payment goes to the pharmacy plan.
Or are you talking about specialty injectibles administered in the doctor’s office? Those are pretty much the only sort of drugs that a doctor is going to be reimbursed for by the insurance company.
If you clarify your question, you may get better responses.
Edit to add:
Okay – we’re talking about injectibles. That makes more sense. 
I’m not aware of websites that compile that info for different insurance companies. Especially since different doctors could be contracted for different rates with any one insurer. (Depends on how good their contract negotiator is.)
The fee schedules for Medicare and Medicaid are publicly available – if you know the “J code” for the injectible, Medicare and Medicaid would give you a good starting point to get a ballpark estimate of how much to expect. (Keeping in mind that Medicaid is generally the lowest reimbursement around and any private insurer is going to pay a substantially higher rate than Medicaid.)
You could obviously find out the information from your own insurer, by looking at your Explanation of Benefits. However, I get the impression that you’re looking to “comparison shop” and see what the average rate would be for other insurers. That information might be a little tough to compile.
Many contracts for pharmaceuticals are based on a markup from AWP (average wholesale price). For example, one doctor could have a contract for AWP+10% for specialty drugs. (Meaning that if AWP for your drug was $100, your doctor would get reimbursed $110.) Again, different doctor’s may have different deals…one doctor in your area could be AWP+10%, while another could be AWP+12%, etc.
If you can get ahold of the AWP (average wholesale price) for your injectible, that could also help you come up with a ballpark range of what the reimbursement might be.
(Yes – I know. It all sounds confusing. I’ve gotten used to it because I work with this information every day. If you need any more explanation of what I’ve said here, I can try to come closer to putting it in plain English. lol)
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