Frequently Asked Questions related to insurance.
Medical Mutual’s underwriters field numerous insurance related questions every day. Below you’ll find answers to the questions we hear most frequently.
Claim History Reports or Loss Runs are both documents that detail your claim history with the Company. The information is organized on the reports by policy year. Because these reports are quite sensitive and, due to the confidential nature of the information that they contain, we ask anyone who is requesting these reports to submit a signed written request to us. You can do that either through regular mail or by fax. Once we receive your request, we will be able to release this information to you.
I need a document verifying coverage for credentialing and hospital privileges that includes details on claims. How do I go about having this information sent to a third party?
The information contained in these verification documents is of a confidential nature so we require a written request from you in order to release it on your behalf. Please download the “Claim History Authorization” form and print it. Complete the form, sign it and send it back to Medical Mutual via standard mail or by fax. If you need this information sent to more than one entity, please submit a completed form for each party. Once the completed form(s) is received we will forward the verification documents to the third party that you’ve identified.
Because your insurance policy is a legal contract between you and Medical Mutual, it is important that any request to make changes to that policy be made in writing. To submit a request for a change, please identify your name and policy number on your letterhead, along with a detailed description of the change(s) you would like to make to your policy. If you obtained your policy through one of Medical Mutual’s authorized insurance agents, please mail, fax or email the change request to that agent. If you work directly with Medical Mutual you may mail, fax or email the change request to our Underwriting Department.
A Certificate of Insurance or Face Sheet confirms for a third party that you, as the policyholder, have current and active coverage. If you obtained your policy through one of Medical Mutual’s authorized insurance agents, please contact them directly and they will be able to provide the form for you. If you work directly with Medical Mutual you may mail, fax or email your request to our Underwriting Department.
Tail Coverage is a supplement to a claims-made policy that provides coverage for any incident that occurred while the claims-made insurance was in effect but had not been brought as a claim by the time the insurer-policyholder relationship terminated. Tail coverage, also known as an extended reporting endorsement, is generally necessary whenever an insured covered by a claims-made policy changes carriers, retires, becomes disabled, or dies. A policyholder has a fixed window of time to elect to purchase Tail Coverage and pay the premium for the additional coverage. We suggest that you discuss your particular situation in detail with either your authorized Medical Mutual insurance agent or with our Underwriting Department.
I am leaving Medical Mutual’s coverage area (Maine, New Hampshire, Vermont and Massachusetts). What do I need to do regarding my policy?
When leaving the area, it is important that your insurance coverage is cancelled properly. The details of your departure, especially dates, will be important for you to have available when speaking with your Medical Mutual authorized agent or with our Underwriting Department. Your agent or Medical Mutual’s Underwriter will be able to properly advise you of the steps that will need to be taken in order to ensure that the policy is cancelled correctly and in a timely manner.
I will be moving into Medical Mutual’s coverage area (Maine, New Hampshire, Vermont and Massachusetts) and I would like to find out more about obtaining a policy through your company. How do I go about this?
We will be pleased to speak with your about your particular situation, your needs, and the coverage options available to you. Please contact our Underwriting Department to discuss these details and the application process.