The field of behavioral healthcare is broad and varied. Proper insurance is important for any kind of treatment center, but choosing the correct combination of coverage involves research and patience. Understanding a few similarities and differences between treatment centers may help facility directors make the right decision concerning insurance for rehabilitation centers.
All rehabilitation centers are going to need coverage for basic things like accidents that can happen while patients and visitors are on the premises. Slips, trips, and falls can happen anywhere at any time. Most treatment centers also employ physicians and/or psychologists. These professionals must be covered with professional liability policies that can pay for defense costs and damages in the event of a malpractice claim.
The differences between the many different kinds of behavioral health treatment centers are too numerous to list. Some centers are in-patient, while others are outpatient. Some centers treat patients who are incapable of taking care of themselves, while others treat patients seeking help for addictions or similar problems that may impair but do not entirely erase a patient’s ability to lead a productive life. Each of these and other unique circumstances requires careful consideration when purchasing insurance for rehabilitation centers. If a center is dealing with especially emotional problems, they may want to make certain they have comprehensive coverage. If a center frequently shuttles patients to and from appointments or activities, they should be certain to have the appropriate vehicle insurance. Working with an insurance agency familiar with the ways rehabilitation centers operate can make becoming insured much easier.