When doctors move to another state, the accompanying rate change for malpractice insurance, as well as out-of-pocket cost for tail insurance, can catch some doctors off guard. Especially if a previous employer covered premiums, according to Max Schloemann, founder of MEDPLI Insurance Services.

For example, an orthopedic surgeon moving from Dallas to Miami can expect to see a significant rate increase, he tells PropertyCasualty360.com.