Ken777
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Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 2:58 pm

Quote:
U.S. to Wellpoint: Stop dropping breast cancer patients

In a letter dated April 22 to Angela Braly, WellPoint's chief executive, Sebelius said she was "surprised and disappointed" to learn from a Reuters report that the company has specifically targeted women with breast cancer for aggressive investigation with intent to cancel their policies.
http://www.reuters.com/article/idUSTRE63M2YM20100423

While many may consider Wellpoint's actions just a Good Old American Tradition of putting profits above patients I believe that the article demonstrates one of the key reasons why reform was needed. We simply cannot trust health insurance companies these days.

What I would like to see passed is a law that allows patients who have been kicked off the insurance companies profit plates to immediately join a modified form of Medicare. Then fine the insurance companies the full charges of caring for these people - the full cost, not a discounted cost. And don't allow the fines to be a tax deduction. Won't take long before the crooks decide to end that sham.
 
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Aaron747
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 3:08 pm

Quoting Ken777 (Thread starter):

What I would like to see passed is a law that allows patients who have been kicked off the insurance companies profit plates to immediately join a modified form of Medicare

The kind of punitive punishment you advocate is going a bit too far. These companies are trying to kick these people off because they can - it's not illegal per se. I'd rather see a law that says they can't cancel coverage for cancer patients who are diagnosed after joining a policy.
If you need someone to blame / throw a rock in the air / you'll hit someone guilty
 
Newark777
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 3:31 pm

Quoting Ken777 (Thread starter):

What I would like to see passed is a law that allows patients who have been kicked off the insurance companies profit plates to immediately join a modified form of Medicare. Then fine the insurance companies the full charges of caring for these people - the full cost, not a discounted cost. And don't allow the fines to be a tax deduction. Won't take long before the crooks decide to end that sham.

Then they would just raise rates for everyone else. Hooray!
Why grab a Heine when you can grab a Busch?
 
mt99
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 3:34 pm

Quoting newark777 (Reply 2):
Then they would just raise rates for everyone else. Hooray!

Right! Keep the "Death Panels" Going.. and here i thought that they were a NEW idea. Silly me..
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Ken777
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 3:56 pm

Quoting Aaron747 (Reply 1):
The kind of punitive punishment you advocate is going a bit too far.

The actions of the insurance companies is far greater punishment for the cancer patient and her family than what I advocate. Basically my approach would stop the shafting of patients who could have been paying premiums for years, only to be left with medical bills that can easily lead to bankruptcy. It stops them because they can see screwing patients is less profitable than taking care of them under the provisions of the policies.

Quoting newark777 (Reply 2):
Then they would just raise rates for everyone else. Hooray!

And you REALLY don't believe that they are going to raise rates for everyone anyway? Gimme a break!
 
Newark777
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 4:08 pm

Quoting Ken777 (Reply 4):
And you REALLY don't believe that they are going to raise rates for everyone anyway? Gimme a break!

Of course they are, and any addition fines are going to be passed along to the policyholders as well.
Why grab a Heine when you can grab a Busch?
 
PPVRA
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 4:12 pm

Quoting Ken777 (Thread starter):
We simply cannot trust health insurance companies these days.

Sounds more like. . .

Quoting Ken777 (Reply 4):
It stops them because they can see screwing patients is less profitable than taking care of them under the provisions of the policies.

. . . you can't trust your legal system to enforce contracts.
"If goods do not cross borders, soldiers will" - Frederic Bastiat
 
gatorfan
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 5:35 pm

A reasonable medium would be to make health insurance policies subject to a guaranteed renewability provision. Then simultaneously enact an incontestibility provision in the law, that says that after a certain amount of time (~1 yr) an insurance company cannot contest the validity of the policy for any reason, including fraud. This sort of provision is common in life insurance where a similar situation existed. Companies would collect premium for years and then contest coverage based on a misstatement on the application 10 or 20 years in the past.

This gives the insurance company an incentive to identify and resolve fraud early on in the process and it allows an insured to know that coverage exists when they need it the most.
 
vikkyvik
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 5:55 pm

Quoting PPVRA (Reply 6):
. . . you can't trust your legal system to enforce contracts

According to the article, it's more like they just do an intensive search for any legal reason to drop the patients. So technically they may very well be within their rights per contract, but targeting breast cancer patients is certainly quite deplorable.

Reuters reported on Thursday that WellPoint, the largest U.S. health insurer by enrollment, was using a computer algorithm that automatically targeted patients recently diagnosed with breast cancer.

The software triggered an immediate fraud investigation by the company as it searched for excuses to drop coverage, according to government regulators and investigators.
I'm watching Jeopardy. The category is worst Madonna songs. "This one from 1987 is terrible".
 
Ken777
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 6:06 pm

Quoting PPVRA (Reply 6):
. . . you can't trust your legal system to enforce contracts.

Considering that Oklahoma sent their Insurance Commissioner to prison for accepting bribes you can pretty well guess how much I trust the insurance companies. The Wellpoint article is simply an example of what is happening every day to the average people in this country who get sick.

Quoting GatorFan (Reply 7):
Companies would collect premium for years and then contest coverage based on a misstatement on the application 10 or 20 years in the past.

Of course they do. That's their game - pull in the money as long as it's profitable, then pull in the lawyers.

Quoting GatorFan (Reply 7):
This gives the insurance company an incentive to identify and resolve fraud early on in the process

I doubt if the insurance companies really care about "fraud" as long as the account is profitable. It's only after a diagnosis of an expensive medical condition that they sick the lawyers on the patient.

That's why I believe that we need to have laws that make it immediately painful to shaft the policyholder/patient. No long term argument form the insurance companies. A patient files a complaint, shows their payment history and proof of diagnosis. Insurance companies have 7 days to reinstate or the fine is levied, starting with the date of diagnosis.
 
PPVRA
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 7:04 pm

Quoting vikkyvik (Reply 8):
According to the article, it's more like they just do an intensive search for any legal reason to drop the patients. So technically they may very well be within their rights per contract, but targeting breast cancer patients is certainly quite deplorable.

Chances are, they are just prioritizing their investigative resources in areas where abuse are most likely to happen and where they may be most costly. Saying that they are "targeting breast cancer patients" sounds like omissive propaganda designed to bring about emotional reactions for a politically motivated attack, rather than anything remotely close to the truth.

I am sure insurance companies don't "hate" breast cancer patients, unlike Sebelius' comments suggests.

Quoting Ken777 (Reply 9):
Considering that Oklahoma sent their Insurance Commissioner to prison for accepting bribes you can pretty well guess how much I trust the insurance companies.

And the insurance regulators?

[Edited 2010-04-23 12:09:12]
"If goods do not cross borders, soldiers will" - Frederic Bastiat
 
Ken777
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RE: Stop Dropping Breast Cancer Patients

Fri Apr 23, 2010 8:03 pm

Quoting PPVRA (Reply 10):
Chances are, they are just prioritizing their investigative resources in areas where abuse are most likely to happen and where they may be most costly.

Sure they are. In which case they should have no issue with the law I'm proposing as it wouldn't adversely effect the "honest" companies.  
Quoting PPVRA (Reply 10):
And the insurance regulators?

The commissioner is the top regulator in the state. 'Nuff said?

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