The PRMS Blog

The PRMS Enhanced Policy Protects You From Emerging Risks

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Does your medical professional liability insurance policy provide coverage for all risks associated with your practice?

The practice of psychiatry is constantly evolving, causing an increase in liability risks.  Recent state mandates for physicians to use electronic health records or electronic prescribing, and the more frequent use of telemedicine as a method of treatment, are some examples of the emerging issues. Additionally, state licensing board complaints are escalating; HIPAA investigations are in the headlines regularly and a privacy breach notification means additional business expense for the practice.  As the Chief Underwriting Officer at PRMS, I analyze the probability of claims and collaborate with the risk management and claims staff to assure the professional liability insurance policy provides comprehensive coverage and appropriate limits to protect the psychiatrists’ professional reputation and career.

In April of 2016, PRMS enhanced the policy to include additional coverages and increased limits at no additional cost.  Our data show that psychiatrists are more likely to face a licensing board administrative proceeding than a malpractice lawsuit.  According to Jean Bates, PRMS Senior Vice President of Claims, the claims range from “failure to report an address change” and “insensitivity to a patient’s needs” to allegations of “fraudulent billing” and “inappropriate prescribing of pain killers.”  Licensing boards have a significant impact on the psychiatrist’s professional reputation and career.  If you receive a license complaint, contact your insurance carrier to find out if you have administrative defense coverage.   PRMS is committed to protecting your professional reputation and career, thus we increased the limit for license defense to $150,000, which we believe is the highest limit available in the market at no additional cost.

Additionally, studies show that violence by patients against psychiatrists is more common than against other physicians.  Our new assault coverage limit of $30,000 pays for expenses related to treating your emotional distress, bodily injury and damage to property.

Other additional coverages provided at no further cost include:

  • A separate HIPAA defense limit of $50,000 that will pay fines and penalties (where allowed by law)
  • A separate Medicare/Medicaid defense limit of $25,000
  • Data Breach Expenses coverage of $30,000 to cover the related costs, such as hiring a public relations firm, notifying patients and patient credit monitoring
  • Practice Interruption coverage with a limit of $2,500 for an unexpected closure of your practice
  • $150,000 liability limit for fire damage
  • $100,000 limit for medical payments due to a patient’s bodily injury caused on your premises


The enhanced policy is admitted and approved by the insurance regulators in 33 states and the District of Columbia and pending approval in all others.  Follow us on LinkedIn to find out if the PRMS policy has been approved in your state!

I encourage you to review your current insurance program to ensure that it fully protects you and your practice, and that professionals who understand the emerging risks of psychiatric practice manage the program.  While I hope that our clients are never in need of these coverages, they can take comfort in knowing that PRMS will be there for them and their practices.

For more information regarding PRMS and the enhanced policy please visit, or call us at (800) 245-3333.

Click here for a full list of features and benefits of The Psychiatrists’ Program.





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Recognizing Mental Health Month and the Importance of Mental Health Foundations

As Mental Health Month draws to a close, it is important to collectively reflect on the significance of mental health. At PRMS, we think it is also the perfect time to highlight the mental health foundations PRMS contributes to and the important work they are doing to promote mental health.

But first, a little more about Mental Health Month. Since 1949, Mental Health America (MHA) and its affiliates have led the observance of Mental Health Month and worked to reach millions of people through the media, local events and screenings.

This year’s theme is “Life with a Mental Illness.” The MHA is asking individuals to share what life with a mental illness feels like in words, pictures and video by tagging their social media posts on sites like Twitter and Instagram with #mentalillnessfeelslike, or by submitting an anonymous post with images and/or text to the MHAPosts, which will be displayed at

Here is a look at some of the foundations PRMS has helped and the work they are doing:

National Alliance on Mental Illness (NAMI). PRMS has been a supporter of NAMIWalks and the dedicated cadre of mental health providers who take part. In May, we supported two New York City region teams, by making a donation to each. They included “The Bronxters,” from the Bronx District Branch of the APA and “GLIPS,” from the Greater Long Island Psychiatric Society. Combined, they raised more than $6,700 for NAMI, which provides free support, education and advocacy programs for individuals with mental illness and their families.

Kentucky Psychiatric Medical Association Foundation. In 2016, PRMS continued its ongoing support with another donation. The group recently expanded its “When Not to Keep a Secret Essay Contest,” which is designed to show Kentucky high school students that it is okay and sometimes even necessary to tell someone when they overhear dangerous or destructive talk about the results of depression and teen suicide. The Foundation also provides outreach and training grants and helped produce a DVD to recognize a potentially impaired physician.

Minnesota Mental Health Community Foundation – Minnesota Psychiatric Society. PRMS also continued its ongoing support of this group with a donation planned in 2016. While the Foundation is just a few years old, projects include scholarship funds for students pursuing mental health careers, an oral history project documenting the evolution of psychiatry in the state, a television series on depression, and a web-based tool to help find mental health providers.

Ohio Psychiatric Physicians Foundation (OPPF) – Ohio Psychiatric Physicians Association. In 2016, PRMS again continued its support of this group with a donation. The Foundation’s “Consider Psychiatry” campaign is designed to recruit more medical students to the field. The Foundation is partnering with Ohio medical schools and psychiatry departments to mentor and financially support medical students during electives so they can gain exposure to psychiatry. It also provides annual awards to the media who educate the public about mental illnesses and to Ohio medical students, psychiatry residents, and members for research and publishing.

You can help support these or other groups. Through PRMS’ Refer a Colleague program, if you refer a psychiatrist or behavioral healthcare group practice to PRMS, we will make a donation to your designated state psychiatric association, NAMI or national specialty psychiatric association.  For more information, visit:


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“Bronxters” Back At It: Raising Money in NAMIWalksNYC 2016 and “GLIPS” Starting a Tradition with NAMIWalks Long Island/Queens 2016

Overcast skies and chilly temperature didn’t dampen the spirits of dedicated mental health providers who took part in a recent National Alliance on Mental Illness (NAMI) Walk in New York City and Long Island. They came together to help raise funds to support mental health and to work to stamp out the stigma people affected by mental illness face.

PRMS supported teams from the Bronx and Greater Long Island Psychiatric Society (GLIPS) District Branches of the American Psychiatric Association (APA) known as “The Bronxters” and “GLIPS.” The two teams raised more than $6,700 combined for NAMI, which provides free support, education and advocacy programs for individuals with mental illness and their families.

The NAMI Long Island/Queens walk celebrated its 12th anniversary this year. Over 850 participants joined in the walk on May 7 and raised over $200,000. Dr. Vadim Izgur, a psychiatrist at South Oaks Hospital and Dr. Julie Cyriac, a psychiatrist at New York City Children’s Center co-captained the GLIPS team. Members from the GLIPS District Branch of the APA and staff from South Oaks Hospital were also members of the team.

Vadim Izgur of the Greater Long Island Psychiatric Society

Vadim Izgur of the Greater Long Island Psychiatric Society District Branch of the APA

The Bronxters team was co-captained by Dr. Maryann Popiel, a psychiatrist at Jacobi Medical Center, and Sonal Harneja, a second year resident at Montefiore Medical Center. Joining them were a committed group of psychiatry residents, faculty and staff from Montefiore Medical Center, Jacobi Medical Center Behavioral Services, North Central Bronx Hospital, the Bronx District Branch of the APA and a representative from PRMS.

The Bronxters of the Bronx District Branch of the APA

The Bronxters of the Bronx District Branch of the APA

Now in its 10th year, the 5K walk drew more than 5,000 New Yorkers and raised more than a half million dollars for NAMI-NYC Metro. According to NAMI, more than $530,000 brought in will fund a half-year of NAMI-NYC services for New Yorkers who need its services most.

The NYC walk started at the South Street Seaport Promenade, then went over the Brooklyn Bridge and back to the Seaport, where event-goers took part in New York City’s second #IWILLLISTEN Day. A concert and wellness fair with free massage, basic health screenings, and prizes were all featured.

Every year, tens of thousands of concerned citizens in more than 84 communities across the nation join NAMI on these walks. The idea behind NAMI’s #IWILLLISTEN campaign is this: 1 in 4 Americans are impacted by mental illness. By taking the #IWILLLISTEN pledge, you can add your voice to others by making a promise to listen and do something if someone you know needs help.

“We applaud ‘The Bronxters’ and ‘GLIPS’ passion and willingness to stand up to be counted in support of mental health advocacy,” said Stephen Sills, PRMS Executive Chairman and Chief Executive Officer. “We are delighted to support both the Bronx and GLIPS District Branches of the APA, as well as NAMI-NYC and NAMI-LIQ in their efforts to promote awareness and hopefully banish the stigma associated with mental illness.”

Lindsay Lease, a PRMS Marketing/Communications Specialist in New York, NY, represented PRMS at the NYC event for the first time.

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PRMS Helps Fund Travel Awards for Residents

Training psychiatry residents to realize the best possible outcomes with patients means giving them the expertise to be the best that they can be with training programs that put them on a learning continuum and further their professional growth.

That’s one reason why PRMS matched travel awards for outstanding residents with an interest in psychiatric education to take part in the annual meeting of the American Association of Directors of Psychiatric Residency Training (AADPRT) this past March.

AADPRT is a vital and very important group of residency training directors. The group’s annual meeting draws the best and the brightest who gather to learn from one another and advance the field of psychiatry.

PRMS contributions have also helped match member contributions toward endowment of the Lucille Fusaro Meinsler Coordinator Award, which recognizes a deserving psychiatry residency coordinator each year. That endowment was established in honor of the retirement of Meinsler, a longstanding AADPRT administrative director. To be considered, applicants must have a minimum of five years of experience as a psychiatry program coordinator.

“We are very grateful for PRMS’ support,” said Brian A. Palmer, M.D., MPH, a Rochester, Minn. psychiatrist and chair of the AADPRT Development Committee. “The matching funds provided by PRMS will double the impact of AADPRT members’ donations toward travel awards for outstanding residents committed to psychiatric education and help boost the endowment of our Lucille Fusaro Meinsler Coordinator Award.”

Founded in 1970, AADPRT works tirelessly to further the education and professional development of psychiatry educators and program coordinators by encouraging individual and institutional members to take advantage of its networking, educational programs, and especially its annual meeting.

You can learn more about the travel awards or donate towards this initiative on the AADPRT website.

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Recognizing Children’s Mental Health Awareness Day on May 5

May 5 marks national Children’s Mental Health Awareness Day. PRMS applauds mental health groups and communities around the country as they work to raise awareness about the mental health needs of America’s youngest citizens. In an effort to draw people together to advocate for a full array of effective services, we wanted to provide information about how you can get involved.


This year’s national event is sponsored by the U.S. Department of Health and Human Services’ Substance Abuse and Mental Health Services Administration (SAMHSA).

The event, to be held May 5 at 7 p.m. at The George Washington University School of Media & Public Affairs, is titled “Finding Help, Finding Hope.” It will explore how communities can increase access to behavioral health services and supports for children, youth, and young adults who experience mental or substance use disorders and their families.

This interactive program will feature youth and family leaders, educators, law enforcement officials, and behavioral health professionals. The program will be webcast live and available on-demand after the event.

SAMHSA will present a special recognition award to Honorary Chairperson, Reid Ewing—best known as Dylan on “Modern Family”—for his work to promote openness and educate others about mental health. Ewing suffers from body dysmorphic disorder, a mental illness in which a person obsesses over the way he or she looks. He wrote about his challenges and multiple plastic surgeries in a Huffington Post essay in 2015.

Event panelists will include SAMHSA Principal Deputy Administrator Kana Enomoto and Center for Mental Health Services Director Paolo del Vecchio, MSW, along with Linda Rosenberg, MSW, president and CEO of the National Council for Behavioral Health.

“PRMS recognizes the importance of Children’s Mental Health Awareness Day and applauds SAMHSA and other organizations and individuals from around the country who are working to share insights on strategies for overcoming barriers to behavioral health care access,” said Stephen Sills, PRMS Executive Chairman and Chief Executive Officer.

PRMS also partners with the behavioral healthcare community and groups and supports causes important to them – including the mental health of children and adolescents. In recognition of last year’s event, PRMS staff took part in a service project for the nonprofit Kraftlove by helping package boxed craft kits to promote healing for children in area hospitals. To date, Kraftlove has partnered with five medical facilities in the D.C. metro area and donated 450 Kraftlove boxes.

PRMS also provides risk management tips and resources for psychiatrists that address issues unique to child and adolescent psychiatry.

Want to get involved? Consider doing one of the following:

Organize an Awareness Day Live! viewing event on May 5 at 7 p.m. EDT. Gather a group to watch the live webcast and participate in the onstage discussion via digital or social media using the hashtag #HeroesofHope.

Host a viewing event of the on-demand version of Awareness Day Live! and consider viewing all or part of the national webcast. Then have a discussion about the unique challenges and opportunities related to behavioral health care access in your community.

Participate in the Awareness Day 2016 Text, Talk, Act conversation. Through text messaging, small groups can receive discussion questions that lead them through a conversation about mental health.

Click here to find Awareness Day 2016 Activities in your area.

Visit SAMHSA for more information about National Children’s Mental Awareness Day.

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