Yes and no.
There are supplemental insurance programs available - do an Internet search for "supplemental insurance."
Programs such as these will help pay that remaining percentage - in most cases, a large portion of it at least.
Adding supplemental coverage can be a good option. I have an accident supplemental that does exactly what you are asking. It will pay up to $5000 per person per year for any expenses related to an accident only that your primary carrier does not pay. This means it will pay for deductibles, co-pays (like your 20%), extra services (your plan only pays for 6 physical therapy visits and you need 10) etc. Because it only pays what your primary carrier does not it is very inexpensive ($30/month for the whole family).
If you also want coverage in the event of illness you can also by supplemental products for that as well.
Pet owners have unique opportunities to buy the best pet insurance policies that help them to provide their pets with excellent medical care at lower costs. Some pet insurance plans actually reduce the cost of veterinary services to 20 percent of the original fees, which means that the best pet insurance plans cover 80 percent of the bills. Pets deserve to have the best medical care, and there is no excuse for pet owners who allow their pets to needlessly suffer, or even die, due to lack of pet insurance coverage. Pet owners are responsible for the care of their pets, and pet insurance coverage makes pet owners even more accountable.
Mandatory Medical Malpractice Insurance?No, No state mandates that a Doctor carry malpractice insurance nor any kind of insurance at all related to their profession. Recent polls as of 2009 indicate that as much as 60 percent of private practitioners no longer purchase Medical Malpractice Coverage due to the high cost. Other AnswersI do believe that medical malpractice is required in every state for doctors, but you should check with the governing body of your state to verify. Even if it is not required, it is highly recommended due to the enormous liability you face when providing this type of service.
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