Australian Doctor 14th June Issue | Page 40

SmartPractice

14 JUNE 2024 ausdoc . com . au

Your premiums and the indemnity kraken

Being swamped by data is the indemnity version of the kraken .
along with writing referrals
of everybody doing more .
seen by many as the repository
all the results of that radiology
Analysis
direct to specialists , independent of the patient ’ s GP .
But the implications are very real — fragmented episodes of
of a data dump , does not automatically notify you of red flags
report requested by the patient ’ s chiropractor down the road ?
Dr Paul Nisselle GP from Melbourne , Victoria .
Pharmacists and allied health are set to expand their practice scope .
The insurers
My gut feeling is that the current
insurers who provide cover for allied health practitioners cannot afford to ‘ wait and see ’ if claims against their clients go up — unless they have massive reserves on top of providing for known claims .
care does not mean fragmented indemnity risk .
There is one scenario that I guess all doctors fear .
Swamped by data
The scope of practice review
issues paper released in April talks a lot about ensuring practitioners post their doings and
as , for example , prescribing software does .
A legal smoking gun
When complaints are made following
adverse events , that piece of information buried in some report posted on My Health Record could come back to bite you .
Or the result of the pathology test ordered by the pharmacist now attempting to help out with the management of the patient ’ s diabetes ?
I am afraid the answer is , who knows ?
In all these cases there is little legal clarity because the cases that go before the court are all
Despite the hue and cry and
their findings on My Health
It could be a legal smoking
individual in their nature , and

WE are now witnessing in real time the evolution of a revo-

genuine concern among doctors about what is happening , it is arguably the dollar figure of future premiums that will offer
Record in the belief that this will keep everyone up to date
gun . Lawyers are very diligent in looking for such opportu-
the outcome is dependent on the particularities of that case .
As such , the rules of the game are therefore blurred .
lution — the expansion of the scope of practice of pharmacists into independent diagnosers , prescribers and dispensers .
Pharmacists
It has already started in Queens-
a precise quantification of what those with skin in the game — the insurance companies — judge when it comes to the safety risks that are being taken .
The dollars are something more concrete than the bland
Do you have to go through all the results of that radiology report requested by the patient ’ s chiropractor ?
Test cases that give clear legal certainty are rare indeed and do not usually apply to the messy reality of clinical practice . There is still some way to go . We do not know yet what regulations will surround phar-
land with pharmacists , subject
reassurances from ministers that
macists and community nurses
to training , free to diagnose and
no-one should worry .
providing independent primary
prescribe for conditions ranging from gastro-oesophageal reflux disease , acute nausea and vomiting , allergic and non-allergic
Impact on premiums
However , there is a deeper question
, of much greater relevance
with what is happening to their shared patient .
But the capacity for mass information uploads risks GPs
nities for their clients to add codefendants .
At this stage , you will want me to provide you with some
care .
Quantifying risk
But some clever boffin within
rhinitis , to impetigo , shingles
to GPs , and that is the possi-
being swamped by data within
reassurance .
the insurance industry will no
and moderate atopic dermatitis . This is now well beyond
Schedule 4 antibiotics for UTIs .
ble impact on premiums for GPs stuck in this brave new world of independent prescribing and
which floats that one mote of information — an apparently minor symptom , a minor diag-
Who knows ?
Do you as the patient ’ s usual GP
doubt be tasked with quantifying not just the increased legal risk to their allied health prac-
Allied health
We also have the spectre —
diagnosing and diagnostic test ordering by those without a medical degree .
nosis , an apparently trivial finding or a drug prescription — that will have serious implications
have a duty to keep an eye on the patient ’ s health record as more and more information is added
titioner insured but also the possible impact of great GP premiums — I do not envy them .
raised by the Federal Govern-
It has been suggested that
for the patient ’ s safety if it is
so you can step in and advise the
Perhaps one or more of the
ment ’ s scope of practice review
the scope of practice review has
missed .
patient that you have concerns
medical insurers may wish to
— of allied health professionals
not paid much attention to this
It is the indemnity version of
about the care they are being
comment .
being empowered to order tests
issue , too distracted by what it
the kraken .
provided ?
As I said , it is a brave new
and imaging through Medicare
sees as the exciting possibilities
My Health Record , already
Do you have to go through
world .