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ADR and Enterprise Liability

By Armand Leone, Jr.

Health-care enterprise liability keeps surfacing as a key element of health-care reform.1 Under the enterprise liability theory, responsibility and liability for medical malpractice shifts from the individual physician to the health maintenance organization (HMO) and effectively provides immunity to individual physicians from medical malpractice actions. Physicians are not named as defendants in malpractice suits with enterprise liability but assume the limited role of fact witnesses. The HMO becomes legally accountable for the actions of its physicians and becomes more responsible for developing quality assurance programs concerning patient care.2

With the expanding role of HMOs in the delivery of health care in the United States, the benefits of enterprise liability will also increase, especially if an improved mechanism of resolving health-care disputes through Alternative Dispute Resolution (ADR) can be developed.3

Despite resistance by the American Medical Association, enterprise liability already exists and can be found within the Veterans Administration System and at some large staff-model HMOs.4 The advantage of enterprise liability is that it can be implemented without changing the underlying tort system.5

Enterprise liability cuts the administrative costs of litigation, frees doctors from personal liability concerns, tempers defensive medicine and boosts incentives for aggressive quality monitoring by the HMO. Thus, enterprise liability can also offset a growing concern that the quality of health care provided by HMOs is lower than that under the traditional system.6 Because of these potential benefits, enterprise liability is the focus of several federally funded state demonstration projects under the Clinton Health Care Reform Plan.

With the increasing integration of physicians into HMOs, enterprise liability is a logical development and furthers the goals of health-care reform. Instead of payment by individual patients, physicians are increasingly paid by an HMO on a capitation basis and fee-for-service compensation is decreasing.7 Capitation payments are set monthly payments for each patient in the physician's practice covered by the HMO and cover all the treatment needed for its subscribers.

In turn, HMOs offer subscribers comprehensive care for one set price, which includes treatment by a primary care physician and specialists who address specific needs. The collective treatment by physicians and the payment relationships in an HMO make enterprise liability a more appropriate way to deal with medical malpractice claims than by separate claims against individual physicians.

Administrative tort costs, such as multiple amendments of pleadings which is common practice in today's medical malpractice litigation, would be markedly decreased. Plaintiffs would bring suit against the HMO, and the overall care provided by the HMO physicians would be evaluated within the context of a single pleading. By having a single defendant, difficulties in settling meritorious claims because different physicians are insured by different insurance companies would also be reduced.

The Legal Theories of Enterprise Liability

Enterprise Liability has been upheld by the Courts in multiple jurisdictions under several different legal theories. As more physicians become salaried HMO employees instead of traditional independent contractors, vicarious liability because of respondeat superior will increase.8 Furthermore, the increased participation of utilization review personnel in patient care decisions creates a direct liability for the HMO.9 Health care guidelines being established by medical societies and HMOs could create yet another basis for HMO liability.10

The New Jersey Health Maintenance Organization Act, N.J.S.A.26:2J-1 et seq., authorizes the State Commissioner of Health to grant Certificates of Authority to HMOs that are in compliance with the statute, but it does not grant immunity for medical malpractice to the HMO itself. In Robbins v. HIP of New Jersey, the defendant/HMOs Motion for Summary Judgment based on statutory immunity was denied. The legislative intent of the statute was not to immunize the HMO itself, but to immunize persons participating in the HMO who did not actually provide health-care services. The Robbins Court held that it was highly unlikely that the Legislature would immunize HMOs from the ordinary rule of respondeat superior so that only the employee/physician of an HMO, and not the HMO itself, would be responsible for negligent provision of health care. The Robbins Court noted that N.J.S.A. 26:23-12 requires each HMO to submit an annual report which states the number, amount, and disposition of malpractice claims settled during the year by the HMO and any of the providers used by it.

The strength of respondeat superior liability varies with the specific physician-HMO employment relationship. Currently, some physicians are strictly salaried employees of an HMO, and in these situations, the respondeat superior principle is strongest. Other HMOs prepay physicians on the capitation basis at the beginning of each month for all medical services needed by its subscribers within each physician's practice. Since the payment is not tied to the actual services rendered, this physician/ HMO relationship may have more in common with the salaried HMO physician-employee than with the traditional independent physician contractor. HMOs that pay physicians according to pre-determined rates on a fee-for-service basis after they are rendered appear the least likely to incur liability through respondeat superior. Accordingly, an HMOs vicarious liability exposure depends on the specific HMO-physician employment relationship in the plan.

Reviews That Injure

Concurrent utilization review decisions which adversely effect a subscriber's health care also can create liability for the HMO. In Wilson v. Blue Cross of California, the utilization review- department of the decedent's health insurance re- fused to authorize more than II days of in-patient psychiatric treatment, even though the treating physician determined that three to four weeks of in- hospital care was required. The decedent was discharged from the hospital and committed suicide shortly thereafter. The decedent's family brought an action against Blue Cross for wrongful death. The Wilson Court determined that the sole reason for the discharge of the decedent before the time recommended by the treating physician was that no insurance or money was available for any further in-patient benefits.

The Wilson Court cited the Restatement Second of Torts 431 for the proposition that joint liability exists whenever a defendant's conduct is a substantial factor in bringing about the harm to the plaintiff and denied the HMOs motion for summary judgment. The treating physician testified that further in-patient care was needed and that premature termination of the hospital stay, within a reasonable degree of medical certainty, caused the death of the insured. It was held a triable issue of fact as to whether the refusal to allow the decedent to stay in the hospital was a substantial factor in bringing about his death. The availability of an avenue of appeal of the utilization review decision to limit hospitalization, alone, failed to prove, as a matter of law. that the injury was unrelated to the denial of benefits. Accordingly, concurrent utilization review which denies health insurance benefits that adversely affect the patient's care is a source of direct liability for HMOs.

Health-care guidelines are assuming a larger role in the delivery of health care and create potential liability for HMOs. As HMOs develop treatment guidelines for member physicians in order to assure a uniform level of care and to minimize associated costs, the standard of care espoused by the guidelines becomes a potential liability for the HMO that utilizes them. If patient subscribers suffer injuries under treatment guidelines later found to be at variance with the community's standard of medical care, the proponent of the guidelines could become liable.11

As discussed above, enterprise liability already exists even without legislative enactment. As vertical and horizontal integration within the health-care industry increases, enterprise liability can also be expected to increase. If a more effective mechanism for resolving health-care disputes can be combined with enterprise liability, the benefits will outweigh any potential disadvantages.

ADR Is an Effective Solution

Alternative dispute resolution is particularly suited for resolving health-care disputes in an enterprise liability system. It is more appropriate for a malpractice arbitration plan to be presented to HMO subscribers by the health plan representative than by the individual physician in a treatment setting. Alternate dispute resolution is also part of the Clinton Health Care Reform Plan.12

However, the Clinton Plan's proposal for utilizing non-binding arbitration screening panels fails in its goal of relieving the malpractice crisis.13 Unless arbitration is binding, neither party prepares the case for a full presentation with the idea that it is best to keep something in reserve for use at the trial when the claim will really be decided. Furthermore, without binding arbitration, the losing side in arbitration gets two bites at the applet and the benefits of reduced resolution time are lost.

Voluntary binding arbitration coupled with mediation can reduce the financial and emotional transaction costs of providing health care by the HMO and actually increase the quality of the care it provides. HMOs have a vested interest in resolving claims of malpractice against it in a way which preserves the HMO-subscriber relationship and the morale of its physician-employees. Arbitration resolves disputes with less hostility than litigation and allows the parties to continue their relationship into the future.14 Previously, a malpractice claim meant the end of the individual physician-patient relation- ship. However, with the increasing role of HMOs, the HMO-subscriber relationship continues despite a malpractice claim against any individual HMO physician.15

A majority of patients who file malpractice claims seek emotional vindication as well as money damages.16 Arbitration provides a private forum where patients can vent their feelings without going to Court. Equally important, physicians can have the merits of the claim assessed in a forum which is far less threatening than litigation. Malpractice litigation is a major life stress for most physicians that causes depression, anxiety disorders and even suicide.17 By decreasing the physician's anxiety about medical malpractice litigation, arbitration reduces the practice of defensive medicine. Defensive medicine leads to higher health-care costs, and the Federal Government estimates that defensive medicine costs alone approach S15 billion dollars a year.18 Reducing physician's litigation anxiety will allow a healthier physician-patient relationship and decrease the costs of defensive medicine.

Even though arbitration is conducted in a confidential private hearing, the discovery of incompetent or impaired physicians need not be impeded. Currently, payments for claims against physicians are required by law to be reported to the National Practitioner Data Bank.19 The Clinton Plan is encouraging HMOs to issue "Health Care Report Cards." and HMOs that have incompetent physicians will be identified.

Data Bank Aversion

One of the greatest obstacles to resolving meritorious claims is the physician's reluctance to have the award or settlement entered into the National Data Bank. Therefore, it is reasonable to expect that HMOs will monitor the performances of their member physicians as part of their risk management and will be aware of any one physician repeatedly found to engage in negligent treatment. If HMOs aggressively monitor physician performance, the need for the National Data Bank would decrease and could possibly be eliminated. However, an arbitration panel could easily apportion any liability among the physicians whose care is at issue and submit this information to the National Data Bank.

Every court that has addressed the issue has held that medical malpractice claims may be properly submitted to arbitration.20 These agreements are not against public policy, unconscionable, or contracts of adhesion.21 Unless the agreement is unilateral - such as when the patient's claims are submitted to arbitration but the provider reserves the right to sue for moneys owed - the courts will compel arbitration of malpractice claims.22

The following general principles apply to contractual medical malpractice arbitration agreements:

The notice of waiver of a trial by judge or jury must be conspicuous and clearly explained.

The right to refuse consent to arbitrate mal- practice claims and to revoke such consent within a reasonable time should be provided to the patient.

A separate consent form for arbitration should be used.

An explanatory patient booklet about arbitration in lay terms should be distributed.

Established alternative dispute resolution organizations with specific health-care dispute resolution procedures and qualified panels of expert health-care arbitrators, such as the National Health Lawyers Association (NHLA) and the American- Arbitration Association (AAA), should be incorporated into and govern the arbitration agreement.

All claims that accrue to the patient and the provider and all of the persons involved in rendering care should be covered by the arbitration agreement. The patient must receive adequate notice that arbitration waives the right to have a judge or jury determination of the claim, and the waiver must be informed and voluntary.23 Some states require a specific type of notice, such as California:

NOTICE: BY SIGNING THIS CONTRACT YOU ARE AGREEING TO HAVE ANY ISSUE OF MEDICAL MALPRACTICE DECIDED BY NEUTRAL AR-BITRATION AND YOU ARE GIVING UP YOUR RIGHT TO A JURY OR COURT TRIAL. SEE ARTICLE 1 OF THIS CONTRACT.24

The patient cannot feel obligated to agree to arbitration in order to receive medical treatment, and some statutes require a statement to the effect.25 Some statutes even provide for a revocation period, during which the patient can revoke the consent to arbitrate.26 This acts as a safeguard to prevent consent while under the duress of an illness or a medical emergency.

Patient Booklet Provides Protection

An explanatory patient booklet written in lay terms about health-care arbitration provides additional consumer protection. The patient booklet emphasizes that agreeing to arbitration is not a pre- requisite for health care and that it waives the right to a judge or jury trial. The patient booklet also describes how arbitration improves the quality of health care and reduces its costs. It explains that arbitration resolves the claims more quickly for the patient and no less favorably than litigation.27 Some states even require the distribution of a patient booklet along with the arbitration consent form.28

Patients could also be offered a discount on the price of health care in exchange for agreeing to binding arbitration.29 Just as the litigation crisis pushed up the cost of health care, arbitration can bring it down by reducing resolution costs and allowing more competitive pricing of health care. Patients who want to reserve recourse to litigation in the courts would pay higher fees.30 Thus, HMO subscribers could have an option to arbitrate or litigate their future claims. ADR also reduces resolution costs by decreasing the total cost of expert testimony required to prove and defend against a claim. The cost of expert testimony in litigation is so high that some commentators have even discussed payment of experts by a contingency fee in order not to deter meritorious claims.31 With mediators and arbitrators who have a familiarity with medical issues, the parties do not have to educate the dispute resolvers to the extent required in litigation.32 Authoritative medical texts could be used as some evidence of the applicable standard of care. Instead of relying on live testimony, arbitrators could accept the written expert reports without necessarily requiring live testimony. The arbitrators could even appoint a single neutral expert to testify in complex cases and include the fee as a cost of the proceeding.33

The Kaiser Permanente health plan in Oakland. California has previously reported that voluntary' binding arbitration of medical malpractice cases decreased the average resolution time from 33 months in a lawsuit to 19 months in arbitration. While the average trial lasted several weeks, arbitration hearings lasted 2 to 4 days. Furthermore, there were fewer excessive plaintiff awards.34 Some hospitals using arbitration to resolve malpractice claims have reduced the net average time expended defending against claims by 22 percent. This faster resolution time correlated with a 21 percent overall reduction in defense costs. Most importantly, the defense costs of resolving frivolous claims were reduced by 59 percent. Despite concerns of insurers, the frequency of claims filed against the hospitals also dropped by 63 percent.35

The American College of Obstetricians and Gynecologists has limited statistics indicating that in California, where ADR is most widely utilized in the resolution of malpractice claims, its members resolve their malpractice claims more quickly and for less money than the national average.36 More recently. Duke University Medical Center instituted a comprehensive ADR program in its health ser- vices agreements with the assistance of the AAA to cover all health-care disputes that arise between its physicians, patients and the administration. Statistics are not yet available from the Duke ADR program.

The mediator or arbitration panel should not favor the interests of either party. Some states require three arbitrator panels - a lawyer, a health- care expert, and a lay person.37 The NHLA has developed specific rules and procedures for health- care alternate dispute resolution and has organized an extensive panel of experts to adjudicate claims. The NHLA rules provide that if the agreement does not specify the number of arbitrators, the dispute shall be heard and determined by one arbitrator.38 The AAA also recently adopted Health Care Claim Settlement Procedures." Because arbitration renders a final judgment, the integrity' of the arbitration process is essential to its acceptance by the public. The rules and procedures of reputable organizations, like the NHLA and the AAA, should govern any arbitration agreement between the HMO and its subscribers. While health-care arbitration developed in the context of the traditional physician-patient health- care system, it is even more appropriate now that HMOs are assuming both increased liability and an increased role in the delivery of health care. Subscribers now look to the HMO for their health care and desire a continuing relationship. HMOs have a mandate to provide quality health care at competitive prices. ADR offers a practical and fair solution to these problems when properly integrated into private health-care contracts.

Endnotes

1. B. McConnack B. "Enterprise Liability Backers Stand Firm" American
Medical News. June 21. 1993: 1, 22.
2. Abraham. K.S. & Wheeler. P.O., Organizational Liability for Medical Malpractice: An Alternative to Individual Health Care Provider Liability for Hospital-Related Malpractice, March 1993.
3. Mitka. M. "HMO Industry Stabilizes. Diversifies: Enrollment Up" American Medical News. July 19. 1993: 7.
4. McCormack. B. "Enterprise Liability Out: AMA Steering Toward Traditional Tort Reforms" American Medical News. June 28. 1993: 1. 22.
5. McCormack. B. "A Mixed Bag for Doctors: Draft Plan Offers Some Tort Relief" American Medical News, Sept. 27. 1993: 1. 20.
6. Frendenheim. M. "Many Parents Unhappy With HMO's" The New York Times. Aug. 18, 1993 it A14. Wachsman, HF. "Some HMO Practices Put Patients Al Risk" The Wall Street Journal June 6. 1993 at A15. col. 2.
7. Edelman. B. "RSNA Taking On Health Reform" Radiology Today October 1993, Vol. 10(10) at 1. 32-35.
8. Robbins v. Hip of New Jersey. 264 N.J. Super. 572 (Law Div. 1993) Dunn v. Praiss. 256 N.J. Super. 180 (App. Div.). certif. denied. 130 N.J. 21 (1992). See also Jespersen, KR. "Probing; HMO Malpractice Liability" 13; N.J.L.J. 1046 (Dec. 21. 1992).
9. Wilson v. Blue Cross of California. 222 Cal. al 3d 660. 270 Cal. Rptr. 876 (Ct. App. 2d Dili. 1990). See also Wickline v. State of California. 192 Cal. at 3d 1630, 239 Cal. Rptr. 810 (Court C.T. App. 2d Dist. 1987).
10. Leone A. "Guidelines Now Set Liability Standards" 133 N.J.L.J. 1599 (April 26, 1993).
11. Hughes v. Blue Cross of Northern California. 215 Cal. at 3d 832. 263 Cal. Rptr. 850 (C.T. App. 1st Dist. 1989).
12. Administration 's Health Security Act, Title V, Section D. Medical Malpractice. Proposed Legislation Released Oct. 27. 1993. Tax Notes Today, Oct. 30. 1993. Margolick. D. "Clinton Stirs Unease On Medical Malpractice" The New York Times. Sept. 24, 1993 at A26. Sherman. R. "Health Plan Addresses Antitrust, Malpractice" National Law Journal, Sept. 23. 1993 at 9.
13. Bendavid. N. "Medical .Malpractice Plan Is Classic Clinton" 135 N.J.L.J. 461 (Sept. 27, 1993).
14. Murray JS Rau AS Sherman EF. Process of Dispute Resolution: The Role of Lawyers. Foundation Press: 1989: 287. Meschievitz CS. "Mediation and Malpractice: Problems With Definition and Implementation" Law and Contemporary Problems. 1991:54:195-215.
15. Nelson U. "Medical Malpractice an Alternative Dispute Resolution" American Journal of Trial Advocacy. 1987: 10:345-363.
16. Miller. FH. "Medical Malpractice Litigation: Do the British Have a Better Remedy?" American Journal Of Law & Med. 1986: 11:433-463.
17. Wilbert JR. Charles SC. Warneck RB, Lichtenberg R. "Coping With the Stress of Malpractice Litigation" Illinois Med. J., 1987; 171(1): 23-27. Waltman RE. "Sued for Being There,' M.D. Laments the Pressure to Settle" American Medical News. Sept. 7, 1992; 30. Folks EC. "You and Malpractice Stress: III. Two Spouses' View - A Colonel of Social Value?" J. Med. Assoc. GA., 1986: 75:723-725. Folks EC. "You and Malpractice Stress: V. A Death in the Family" J. Med. Assoc. GA., 1987: 76:115-116.
18. Pear R. "Clinton May Set Lid on Doctors' Fees and Liability Suits" The New York Times. March 9. 1993 Al, A15.
19. Giaonelli DN. "Should It Go In the Bank? Officials Weigh Open Claims and Reporting Thresholds" . American Medical News Sept. 21, 1992: 1, 29.
20. 84 ALR 3d 375-390. Arbitration of medical malpractice claims (1978 & Supp. 1992). See e.g. Pietreili v. Peacock, 16 Cal. Rptr. 2d 688 (Ct..App. 1993).
21. Broemmer v. Otto. 169 Ariz. 542, 821 P.2d 204 (1991) (law of contracts applies and binding medical malpractice arbitration agreement enforceable); Sanchez v. Sirmons. 121 Misc. 2d 248, 467 N.Y.S.2d 757 (Sup. Ct. Bronx Co. 1983); Zupan v. Firestone. 91 A.D.2d 561, 457 N.Y.S.2d 43 (1st Dept. 1982); Guthrie v. Barda. 188 Colo. 124. 533 P.2d 487 (1975), rev'g, 34 Colo. App. 1. 523 P.2d 155 11974).
22. Miner v. Walden. 101 Misc.2d 81-4, 422 N.Y.S.2d 335 (Sup.Ct. Queens Co. 1979); Wolfman v. Herbstritt. 114 A.D.2d 955. 495 N.Y.S.2d 220 (2d Dept. 1985). Guadano v. Long Island Plastic Surgical Group, P.C., QOTF. Supp. 136 (E.D.N.Y. 1982).
23. Ala. Code Section 6-5-««5 fl977); Alaska Stat. Sect. 09.55.535(b) (Cum. Supp. 1983): Cal. Civ. Proc. Code Sect. 1295 (West 1982); Ga. Code Ann. Sect. 9-9-110 et seq. (Midne 1982); III. Ann. Slat. ch. 10 Sections 201 et seq. (West 1975 & Supp. 1992): La Rev. Stat. Ann. Sections 9:4230 et seq. (West 1991): Mich. Comp. Laws Ann. Sections 600.5040 et seq. (West 1987); Ohio Rev. Code Ann. Section 2711.21 et seq, (Banks Baldwin 1991); S.D. Codified Laws Ann. Chapter 21-25B (Michie 1987); Vt. Stat. Ann. Tit. 12 Section 7001 ei seq. (Equity 1973 & Supp. 1991); Va. Code Section 8.01-581.1 et seq. Michie 1992).
24. Cal. Civ. Proc. Code Sect. 1295(b) (West 1982).
25. Ill. Ann. Stat. ch. 10 Sections 202(d) and 209 (West 1975 &. Supp. 1992).
26. See e.g., Mich. Coan). Laws. Ann Sections 600.5040 et seq. (West 1987).
27. Note, "Medical Malpractice Arbitration: Time for a Model Act" Rutgers L. Rev.. 1981: 33:454-501. Geyelin M. "Judges, More Than Juries. Side With Personal-Injury Plaintiffs" The Wall Street Journal, July 23, 1992: Bl.
28. Mich Comp. Laws Ann. s.s. 600.5041 (West 1987).
29. Nelson LJ. "Medical .Malpractice and Alternative Dispute Resolution" American Journal of Trial Advocacy, 1987: 10:345-363.
30. Hutkin AK. "Resolving me Medical Malpractice Crisis: Alternatives lo Litigation" Journal of Law and Health. 1990; 4(l):21-55.
31. Lea GR. "Expert Witness - Right To Pay Expert Witness a Contingent-Fee Basis in Civil Cases" West Virginia L. Rev.. 1978: 80:328-339.
32. Committee on Complementary Dispute Resolution. 130 N.J.L.J. 578 (Feb.24, 1992).
33. N.Y. CPLR Section 7559(c).
34. "Arbitration Seldom Used in Medical Malpractice Cases, GAO Discovers" Daily Report For Executives: The Bureau of National Affairs. Jan. 14.1992: DER 9:A12-13.
35. Heintz DH. "Medical Malpractice Arbitration: A Viable Alternative" Arbitration J., 1979:34(4):l2-18.
36. McKee. M. "California Rx; Mandatory ADR in Med Mal Cases" 135 N.J.L.J. 157 (Sept. 13, 1993).
37. Note, "Medical Malpractice Arbitration: Time for a Model Act" Rutgers L. Rev.. 1981: 33:454-501. See e.g., Mich. Comp. Laws Ann. s.600.5044(2) (West 1987) three arbitrators selected from list provided by AAA with one physician or hospital administrator, one attorney-chairperson, and one lay person who is not in insurance or hospital representative).
38. NHLA Alternative Dispute Resolution Service, Rules of Procedure For Arbitration 1.04 (Effective Aug. 5. 1991).
39. American Arbitration Association Health Care Claim Settlement Procedures Rules 2 and 7 (Effective; July 1.1992).

The article is reprinted with permission from the November 8, 1993 issue of the New Jersey Law Journal. © 1993 NLP IP Company.

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