Question 1

How does Maryland's malpractice ADR system work?

Accepted Answer

Maryland requires medical malpractice claims to go through the Health Claims Alternative Dispute Resolution Office (HCADRO) before proceeding to court. A panel reviews the claim and issues a non-binding decision. Either party can reject the decision and proceed to trial. The ADR system helps filter some claims but doesn't eliminate the need for malpractice insurance — legitimate claims still proceed and Maryland juries can award significant damages.

Question 2

How much does malpractice insurance cost in Maryland?

Accepted Answer

Maryland malpractice costs vary by specialty and location. Family practice: $6,000–$14,000/year. Internal medicine: $8,000–$18,000/year. General surgery: $22,000–$45,000/year. OB/GYN: $32,000–$65,000/year. The DC suburbs (Montgomery, Prince George's counties) are 15-20% more expensive than western Maryland. The ADR system helps moderate costs compared to states without screening.

Question 3

Do Maryland practices near DC need special coverage?

Accepted Answer

Maryland practices near DC often serve federal employees, military families, and government contractors, which can create additional compliance requirements. If you accept TRICARE, you may need specific coverage endorsements. Practices handling federal health data need enhanced cyber coverage. The competitive DC metro labor market also means higher employment practices exposure. RISKX understands the unique needs of DC-area healthcare providers.

Maryland Healthcare Insurance | RISKX