United States Court of Appeals,

Eleventh Circuit.

No. 96-6278

Non-Argument Calendar.

Duard BOK, M.D., Plaintiff-Appellant,

v.

MUTUAL ASSURANCE, INC., Defendant-Appellee.

Aug. 15, 1997.

Appeal from the United States District Court for the Middle District of Alabama. (No. CV-95-D1188-E), Ira De Ment, Judge.

Before ANDERSON and BLACK, Circuit Judges, and FAY, Senior Circuit Judge.

PER CURIAM:

The question presented in this appeal is whether or not the Health Care Quality Improvement

Act of 1986 (HCQIA), 42 U.S.C. § 1101 et seq., provides for a private cause of action to a physician

who alleges an insurance company violated its provisions when it refused to provide him with

medical malpractice insurance after a peer-review proceeding. We find that the Act does not

provide for a private cause of action and affirm the dismissal of the complaint.

In his complaint, Bok alleged that Mutual Assurance, Inc., violated the HCQIA's due-process

requirements when it refused to provide him with medical malpractice insurance after a peer-review

proceeding. More specifically, Bok complained that Mutual Assurance did not, among other things,

provide him with notice prior to his peer-review hearing or advise him that he could call witnesses

or present evidence at the hearing.

Mutual Assurance filed a motion to dismiss, Fed.R.Civ.P. 12(b)(6), arguing that the HCQIA

did not grant Bok a private right of action to sue it. Mutual Assurance relied on, among other cases,

an opinion issued by the Tenth Circuit, Hancock v. Blue Cross-Blue Shield of Kansas, 21 F.3d 373

(10th Cir.1994). Bok did not file a brief in opposition to Mutual Assurance's motion.

The district court, in a memorandum opinion reported at Bok v. Mutual Assurance, Inc., 917

F.Supp. 778, 779-80 (M.D.Al.1996), agreed with Mutual Assurance and relied in part on Hancock
to conclude that the HCQIA did not create an express or implied cause of action for Bok to complain

about Mutual Assurance's peer-review procedures. The court dismissed Bok's complaint.

Bok argues that the HCQIA implies a private right of action for his suit because components

of the HCQIA "level the peer review playing field" by "generating information which is based on

fair procedures." Bok also reasons that Congress passed the HCQIA to benefit physicians like him

because one section of the act is entitled "Encouraging Good Faith Peer Review." Mutual Assurance

argues the district court correctly concluded that the HCQIA did not give Bok an implied cause of

action.

 When legislation does not provide expressly for a cause of action for individual plaintiffs,

the legislation must provide an implied cause of action in order for individual plaintiffs to be able

to sue under the legislation. See Cort v. Ash, 422 U.S. 66, 78, 95 S.Ct. 2080, 2087, 45 L.Ed.2d 26

(1975). In Cort, 422 U.S. at 78, 95 S.Ct. at 2087-88, the Supreme Court formulated four factors for

determining whether an implied cause of action exists: 1) whether the plaintiff is a member of the

class for whose special benefit the legislation was enacted; 2) whether there is any indication of

explicit or implicit legislative intent to create a remedy under the act; 3) whether it would be

consistent with the underlying purposes of the legislative scheme to imply a remedy; and 4) whether

the cause of action is one traditionally relegated to state law.

 In the medical profession, peer review is a "process by which physicians and hospitals

evaluate and discipline staff doctors[.]" Bryan v. James E. Holmes Regional Medical Center, 33

F.3d 1318, 1321 (11th Cir.1994), cert. denied, 514 U.S. 1019, 115 S.Ct. 1363, 131 L.Ed.2d 220

(1995). The "HCQIA grants limited immunity, in suits brought by disciplined physicians, from

liability for money damages to those who participate in professional peer review activities." Id. The

HCQIA thus provides that, if the peer review action "meets certain due process and fairness

requirements, then those participating in such a review process shall not be liable under any state

or federal law for damages for the results." Id. at 1321-22.

In Hancock, the plaintiff-physician sued an insurer alleging that a peer-review panel violated

the HCQIA's due-process requirements when it decredentialized him. 21 F.3d at 374. The Hancock
 1

There clearly is no express cause of action in the legislation. 

court first found that the HCQIA did not expressly create a cause of action in favor of the physician.

Id. The court next concluded that the HCQIA did not create an implied right of action because it

was not enacted for the benefit of physicians subject to peer review, but instead "to ensure

professional peer review of physician competence[.]" Id. In reaching this conclusion, the court

specifically cited the relevant factors from Cort, 422 U.S. at 78, 95 S.Ct. at 2087. Hancock, 21 F.3d

at 374-75.

 This Court reviews de novo the district court's conclusions of law. Jones v. Childers, 18

F.3d 899, 904 (11th Cir.1994).

 Although this Court has not answered whether the HCQIA creates a cause of action for a

physician to challenge the procedures used by a peer-review panel, we find the reasoning of the

Tenth Circuit in Hancock persuasive and adopt it. We agree, as the Hancock court concluded, that

Congress did not pass the HCQIA with the intent of benefiting physicians such as Bok. Id. at 374-

75. A claim such as Bok's thus fails entirely to satisfy the first Cort factor. See Cort, 422 U.S. at

78, 95 S.Ct. at 2087-88. More importantly, a weighing of the Cort factors also argues against

finding an implied cause of action1

 in the HCQIA. Hancock, 21 F.3d at 374-75.

 As a final note, Bok discusses two matters he did not raise in his filings to the district court:

(1) his right to amend his complaint; and (2) his right to discovery. Generally, this Court will not

consider issues that the appellant failed to raise below. See Narey v. Dean, 32 F.3d 1521, 1526-27

(11th Cir.1994). Although there are exceptions to this rule, none of them apply in this case. See id.

Concluding that the HCQIA does not provide for a private cause of action, WE AFFIRM the

judgment of the district court.