Physician Disability: Medically Prescribed Apps
Physician disability insurance is designed to ease financial strain if you fall ill or are injured and can no longer practice medicine. However, with disability insurance, you should take steps every day to protect your health.
The usual tips include a balanced diet and regular exercise, but now many doctors are expanding the “prescription.” You took your daily medication, but did you check your app yet?
Smartphone apps are emerging in healthcare as prescriptions used by doctors to help treat patients. The smartphone prescriptions are supplemental approaches to dealing with chronic ailments such as diabetes or heart disease.
One example is WellDoc’s DiabetesManager system. The system collects information about a patient’s diet, blood sugar levels and medication regimen. The data is either entered manually or patients can link their devices wirelessly with glucose monitors.
The app gives advice to patient. It might suggest some food choices after recording a low midday blood sugar reading. The app also uses an algorithm to analyze the medical data and send recommendations to the doctor. According to the New York Times, WellDoc said in a clinical trial Diabetes Manager significantly reduced blood sugar levels in patients.
Apps that make clinical or diagnostic decisions are regulated by the Federal Drug Administration. Apps are cleared to operate by the FDA as medical devices. So far, fewer than 10 apps have gained clearance.
From a financial standpoint, smartphone-based systems could reduce the amount of other medical care that patients need. If a diabetes patient can get food recommendations from an app rather than doctor, it could save time and money. It would also increase connectivity and communication between the patient and the doctor, who can monitor how their patient is doing in between treatments. This could have huge cost-saving benefits. According to the Center for Disease Control and Prevention, the totally cost of treating diabetes in 2007 was $174 billion.
As a physician or dentist it is essential to protect your ability to earn an income. Physician disability insurance pays benefits to people who are unable to perform their duties due to the result of an injury or illness.