Why we publish
Wellness Medical Protection Group, LLC is a licensed surplus lines insurance producer. We publish Risk Watch so that the practices we serve can see what has changed in regulation and in underwriting practice for the specific procedures they perform, at a point when they can still do something about it.
We publish it as general information. We do not publish it to influence what any insurer charges, what any practice charges, or who anyone chooses to do business with.
What we do not publish
- We do not name insurers. Observations about underwriting practice are described in aggregate, as "markets" or "several markets," and never in a way that identifies a particular insurer, syndicate, program or underwriter.
- We do not publish pricing. We do not state, suggest or imply what insurance costs, what it should cost, what any practice should charge patients, or what any supplier should charge a practice.
- We do not disclose one insurer's requirements to another. We are aware that the insurers we place business with compete with each other. Information one market shares with us in the course of a submission is not passed to another market, and is not published in a form that would let a market identify a competitor's requirements.
- We do not recommend refusing to deal. We report on regulatory action against suppliers, pharmacies and manufacturers where it is a matter of public record. We do not suggest that any practice should stop dealing with any of them.
- We do not publish forward-looking statements about the market. We report what has already changed. We do not forecast, because a forecast about future market behavior is both unreliable for the reader and, when it comes from an intermediary who talks to many insurers, capable of becoming a signal.
What we ask of readers
Risk Watch describes what regulators and the insurance market are doing. It is not advice about what your practice should charge, who you should buy from, or how you should compete. Those decisions are yours alone, and they should be made independently.
If you participate in any forum, group or event we host, the same applies there, and our separate forum antitrust policy sets out what may and may not be discussed.
Raising a concern
If you believe anything we have published identifies an insurer, discloses competitively sensitive information, or reads as an invitation to coordinate, tell us at media@wmpg.insure and we will take it down while we look at it. Removal is not an admission that anything was wrong with it.
Insurer and market partners
If you are an insurer, syndicate, program manager or wholesale partner and you believe a published observation identifies you or discloses your requirements, contact media@wmpg.insure