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A Message from Our Sponsor: The Critical Role of Physicians in Addressing Domestic Violence

Posted By Columbus Medical Association - CMA, Thursday, October 9, 2025

Domestic violence is a pervasive public health issue that touches every community. It cuts across age, race, income and geography, leaving lasting harm to survivors and families. Nearly all healthcare professionals will eventually treat a patient impacted by domestic or family violence. For physicians, recognizing the signs and understanding the dynamics is essential.

Each year, domestic violence affects an estimated 10 million people in the U.S., affecting one in four women and one in nine men.1  Despite these numbers, intimate partner violence remains highly underreported, which means the true prevalence is even greater.
Domestic violence extends beyond physical harm. It includes emotional, psychological, financial and sexual abuse. These behaviors are used to exert control within intimate or family relationships. The patterns often escalate in severity over time, making early recognition by healthcare providers even more important.

Why Healthcare Providers Are Central to the Response

For many victims, the healthcare system is their only consistent contact outside the home. Physicians and nurses encounter these patients in emergency rooms, clinics and primary care offices. Sometimes patients impacted by violence present with suspicious injuries, but just as often they come for unrelated concerns. This uniquely positions providers to identify abuse, initiate conversations and connect patients with resources. Clinicians are also key in recognizing human trafficking victims, who frequently seek medical care while avoiding law enforcement.

Warning Signs Physicians May Notice

Victims may show injuries in different stages of healing, vague or inconsistent explanations, or frequent visits for nonspecific complaints like headaches or abdominal pain. Emotional cues such as anxiety, depression or withdrawal can also be indicators. Observing who accompanies the patient is critical. Controlling or overly protective partners may insist on answering questions or refuse to leave the exam room.

Read more physician strategies and screening guidelines

How Physicians Can Intervene

Even brief, supportive conversations can open the door to disclosure. Simple statements such as “You are not alone” or “Help is available” communicate empathy and safety. Having resource lists readily available — including information on local shelters, hotlines and advocacy groups — helps connect patients quickly to support systems. Careful documentation is also essential, as it may later be needed in legal proceedings.

The Opportunity in Clinical Practice

Domestic violence isn’t always obvious, but physicians are in a rare position to spot red flags. By incorporating routine questions, careful listening and readily available resource lists into patient interactions, clinicians can intervene in ways that change, and often save, lives. MagMutual provides expert resources and guidance to help healthcare professionals navigate these challenges with confidence. Learn more about the screening tools and red flags associated with domestic violence here or visit our full library of Healthcare Insights for additional support.

Disclaimer: The information provided in this article does not constitute legal, medical or any other professional advice. No attorney-client relationship is created and you should not act or refrain from acting on the basis of any content included in this article without seeking legal or other professional advice.

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1 https://www.ncbi.nlm.nih.gov/books/NBK499891/

Tags:  MagMutual 

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A Message from Our Sponsor: Managing Patient Bankruptcies: Protect Your Practice from Collection Pitfalls

Posted By Columbus Medical Association - CMA, Tuesday, August 5, 2025

Patients filing for bankruptcy can significantly disrupt a healthcare practice’s usual billing and collections processes. Effectively managing these situations is crucial yet it’s often an overlooked aspect of practice management. By understanding the legal requirements and establishing clear procedures, medical practices can avoid legal pitfalls and preserve patient trust.

Monitor Bankruptcy Notifications

When a patient files for bankruptcy, the court issues a notice. It’s essential for healthcare practices to monitor these notifications, as continued collection efforts on a debt included in bankruptcy can lead to legal complications. 

Comply with the FDCPA

 The Fair Debt Collection Practices Act (FDCPA) establishes standards that prohibit harassment and ensure fairness in debt collection practices. Physicians and practice managers must adhere to its provisions when collecting debts, especially regarding patients in bankruptcy.

Bankruptcy Types and Their Impact on Medical Bills

Understanding the different types of bankruptcy can help healthcare providers and administrators manage patient debts effectively.

  • Chapter 7 Bankruptcy (liquidation): Under Chapter 7, a patient’s assets are liquidated to settle debts, with certain exemptions. Medical bills are categorized as unsecured debt, the last in line for repayment. Medical practices should expect to recover little or no payment and the unpaid balance will need to be written off if it is included in the discharge.
  • Chapter 13 Bankruptcy (reorganization/debt repayment plan): Chapter 13 allows patients to reorganize their debts under a court-supervised repayment plan that typically occurs over three to five years. Medical debts may be included in this plan, which can lead to partial payment over time. Providers must work with the bankruptcy trustee, comply with the plan and suspend collection efforts once Chapter 13 is filed until the court decides how debts will be handled.
  • Chapter 11 Bankruptcy (Business Reorganization): While primarily for businesses, high-net-worth individuals can sometimes use Chapter 11 for personal debt reorganization. Medical bills may be restructured, allowing for partial payment over time. Similar to Chapter 13, the healthcare provider must follow the court’s reorganization plan and accept incremental payments, if available.

Effective Communication and Documentation

Good communication and documentation can help to prevent misunderstandings and legal conflicts and maintain patient trust. When a patient informs a practice about filing for bankruptcy, it’s essential to secure written confirmation and record this information in the patient records. Any further collection efforts on the account should cease. 

If a patient verbally claims to have filed for bankruptcy, request documentation like a case number or court notice and verify this information through public bankruptcy records. Temporarily suspending collections while awaiting confirmation is a good practice to avoid violating the automatic stay.

Establish Internal Policies for Handling Bankrupt Accounts

To manage patient bankruptcies effectively, it’s vital for practices to create clear policies and ensure that bills do not get sent to patients going through bankruptcy. 

Any termination of a physician-patient relationship should be well documented following proper protocols, such as providing written notice and sufficient time for the patient to secure alternative care and ensuring emergency care is not disrupted. Providers should avoid discharging a patient solely due to a bankruptcy filing and instead base the decision on broader payment challenges.
Seek Legal Guidance
To stay compliant with bankruptcy laws and FDCPA guidelines, healthcare practices may benefit from consulting with legal counsel. An attorney with experience in bankruptcy and debt collection can provide tailored guidance, reducing the risk of costly errors. Having legal support also ensures that staff have reliable resources to answer questions about handling bankrupt accounts.

Consequences of Noncompliance

Failing to manage patient bankruptcies correctly can have serious ramifications for a healthcare practice, including legal penalties, reputational damage, financial losses and loss of patient trust.

Final Thoughts

Proactively managing patient bankruptcies by establishing clear policies, staying compliant with legal standards and educating staff can help healthcare practices avoid costly mistakes. By understanding bankruptcy procedures and communicating effectively with patients, providers can maintain strong patient relationships while protecting their practice’s financial stability.

MagMutual provides expert resources and guidance to help healthcare professionals navigate these challenges with confidence. Visit our full library of Healthcare Insights for additional support.

Disclaimer: The information provided in this article does not constitute legal, medical or any other professional advice. No attorney-client relationship is created and you should not act or refrain from acting on the basis of any content included in this article without seeking legal or other professional advice.

 

Tags:  MagMutual  Partner Story 

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You’ve Been Sued. Now What?

Posted By Columbus Medical Association - CMA, Tuesday, July 15, 2025

By The Institute at MagMutual®

A malpractice claim can be sudden, disorienting and deeply personal. For many physicians, it’s not just the legal implications that cause stress, it’s the emotional fallout — the anxiety, shame and sense that their professional reputation and identity are on the line.

These feelings are incredibly common. Most if not all physicians experience emotional distress at some point during the litigation process. Some develop physical symptoms like headaches or fatigue. Others withdraw from their social lives or begin questioning whether they should continue practicing at all.

These Responses Are Valid — And Manageable
Just because you find yourself facing a lawsuit doesn’t mean that the rest of your life stops, and certainly not your medical practice. As with any sudden adversity, you need to keep moving. Part of that involves making small but intentional choices to support your well-being. Prioritize basic self-care: get enough rest, stay physically active and eat well. Avoid self-isolation, even when you feel like shutting down. Carve out time for things that restore you, whether that’s family dinners, a hobby or simply stepping outside for a walk.

You might also benefit from speaking with someone who can help you process your emotions — a therapist, a trusted friend or a peer who has also been through a lawsuit. While legal rules may prevent you from discussing the details of the case, your personal response is not off-limits. In fact, verbalizing it may be the most effective way to ease its grip.

Finally, give yourself grace. Medicine is a profession filled with complexity, and sometimes, despite our best efforts, things go wrong. That doesn’t make you less skilled or less dedicated. Learning to separate your identity from a legal process can be one of the most powerful ways to keep going.

MagMutual Can Help You Move Forward
For physicians going through this difficult process, MagMutual offers support designed with the emotional demands of litigation in mind. From our Peer2Peer physician network to concierge trial assistance and mental health resources, we’re here to ensure you have the tools—and the human connection — you need to weather the storm and come through stronger. Learn more about the range of services available to MagMutual policyholders who experience unanticipated outcomes.

Take the Next Step Toward Optimal Outcomes

Disclaimer: The information provided in this article does not constitute legal, medical or any other professional advice. No attorney-client relationship is created and you should not act or refrain from acting on the basis of any content included in this article without seeking legal or other professional advice. 

 

Tags:  MagMutual  Partner Story 

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