Howard
was born June 13, 1941 in the Bronx, New York. He grew up just a few blocks
from Yankee Stadium and learned at an early age the advantages of
being part of a winning team. Howard graduated William Howard Taft High
School in the Bronx and then rode the subway to CCNY in Manhattan.
After college Howard spent the next nine years designing
personal trust, demand deposit and commercial loan computer systems for the
banking industry. For the next three years he worked as a health care
consultant. During this time he helped physician groups form HMOs and comply
with the federal government’s quality of health care review mandates. He
spent the better part of two years working with the City of New York and
many state governments in designing and implementing systems to detect fraud
and abuse in the submission of Medicaid claims by hospitals, clinics,
nursing homes, physicians, dentists, pharmacies, ambulance services, etc.
During this time Howard visited 44 state capitals.
At this point in time, the major commercial insurance
carriers were experiencing significant losses in their medical malpractice
business. As such they decided to abandon this line of coverage. This
created a “crisis” for physicians in many states, who were now without a
market for medical malpractice insurance. Howard, as part of a team of
consultants, worked with medical societies across the nation to create
physician owned and managed medical malpractice insurance companies within
each state. Howard helped create seven such companies.
In 1977, Howard joined the Medical Inter-Insurance
Exchange of New Jersey, a physician owned and managed medical malpractice
company. He remained there as a Senior Vice President until 1993. His
responsibilities included legislative lobbying, actuarial and statistical
analysis, new product development, information services, communications and
troubleshooting in claims administration, underwriting, risk prevention and
marketing. Howard also served on several committees of the Physicians
Insurers Association of America (PIAA). He traveled extensively and spoke to
many organized physician groups about the causes and prevention of medical
malpractice.
In 1993, Howard joined his wife Wendy at Second Opinion,
Inc. He has implemented a strategy that has seen Second Opinion steadily
grow to become leaders in medical malpractice case
evaluation.