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FAQ: Tail Coverage

Q: How does tail coverage work for Kansas healthcare providers? 

A: KAMMCO frequently receives inquiries from members with questions about tail coverage for Kansas resident healthcare providers and how this coverage is handled when the individual discontinues practice in the state.

Tail coverage for Kansas resident physicians and surgeons, physician assistants, CRNAs, and other healthcare providers who are subject to the statutory insurance requirements of the Healthcare Provider Insurance Availability Act (HCPIAA), is provided by the Healthcare Stabilization Fund (the Fund). The law provides for continued coverage to the healthcare provider if a claim is made that is attributable to professional services rendered when the healthcare provider was in compliance with the HCPIAA. To be eligible for tail coverage, the healthcare provider must cancel their basic insurance coverage, no longer render professional services in Kansas, and change the status of his or her Kansas license to a status other than active. Once the healthcare provider meets these requirements, tail coverage is provided by the Fund at no additional cost.

Healthcare providers who did not reside in Kansas while active are provided the Fund’s continuing coverage only for professional services rendered in the state of Kansas.

To obtain more information about tail coverage provided by the Fund, including the Fund tail coverage limits for any individual healthcare provider, the Fund can be contacted directly by email at hcsf@ks.gov, by telephone at 785.291.3777, or by mail at Healthcare Stabilization Fund, 300 SW 8th Ave, 2nd Floor, Topeka, KS 66603-3912.

Any healthcare providers who does not meet the statutory definition and is not eligible to participate with the Fund, should contact the insurance company which provided his or her primary professional liability insurance to discuss the details and the cost of tail coverage.
 

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