Comments on: Someone Please tell the President: It’s Been Illegal to Drop Coverage Since 1997 http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/ Health Care Policy and Reform Insights | NCPA Sun, 12 Feb 2012 00:03:44 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Kartik http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-96553 Kartik Wed, 31 Aug 2011 04:12:16 +0000 http://www.john-goodman-blog.com/?p=5314#comment-96553 which reminds me, where's Brian? His story seems to go all over the place I don't know what to believe. which reminds me, where’s Brian? His story seems to go all over the place I don’t know what to believe.

]]> By: Kartik http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-95267 Kartik Thu, 11 Aug 2011 21:02:43 +0000 http://www.john-goodman-blog.com/?p=5314#comment-95267 Good post. I saw this website called guaranteedhealthcare.org which was critical of you John. While it's true health care costs are too high and rash decisions have been made by third parties to cut costs, you might be denied COVERAGE for a certain treatment. Costs need to go down, that's the number 1 issue. Good post.

I saw this website called guaranteedhealthcare.org which was critical of you John. While it’s true health care costs are too high and rash decisions have been made by third parties to cut costs, you might be denied COVERAGE for a certain treatment. Costs need to go down, that’s the number 1 issue.

]]> By: Peoples Press Collective | Colorado Politics | Doctor misleads voters on Colorado Amendment 63 (health care choice) : http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-78668 Peoples Press Collective | Colorado Politics | Doctor misleads voters on Colorado Amendment 63 (health care choice) : Wed, 29 Sep 2010 03:15:29 +0000 http://www.john-goodman-blog.com/?p=5314#comment-78668 [...] Dr. Berman also says that the health control legislation (HR 3590) ” prevents health plans from dropping coverage when a child or adult becomes ill.” But this is not likely a violation f contract, it’s been explicitly against the law since 1997. [...] [...] Dr. Berman also says that the health control legislation (HR 3590) ” prevents health plans from dropping coverage when a child or adult becomes ill.” But this is not likely a violation f contract, it’s been explicitly against the law since 1997. [...]

]]> By: Brian T. Schwartz http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-49648 Brian T. Schwartz Fri, 27 Nov 2009 18:20:13 +0000 http://www.john-goodman-blog.com/?p=5314#comment-49648 I have a question on something John wrote: "If a health insurer drops you because you’ve misrepresented your health status on your application, it’s called “rescission.” If the insurer does it illegally, it’s called 'post-claims underwriting.'" I've been trying to verify that this is how the terms are used, but have not been able to. For example, in this Robert Wood Johnson Foundation report: http://www.rwjf.org/files/research/61209postclaimsunderwriting.pdf it appears that post-claims underwriting is part of the rescission process. This makes sense to me if you interpret "post-claims underwriting" as just that: changing the underwriting of a policy after a claim has been made. This can be valid if the insurer has new information about the customer's health history before the policy started. Feedback? I have a question on something John wrote: “If a health insurer drops you because you’ve misrepresented your health status on your application, it’s called “rescission.” If the insurer does it illegally, it’s called ‘post-claims underwriting.’”

I’ve been trying to verify that this is how the terms are used, but have not been able to. For example, in this Robert Wood Johnson Foundation report:
http://www.rwjf.org/files/research/61209postclaimsunderwriting.pdf

it appears that post-claims underwriting is part of the rescission process. This makes sense to me if you interpret “post-claims underwriting” as just that: changing the underwriting of a policy after a claim has been made. This can be valid if the insurer has new information about the customer’s health history before the policy started.

Feedback?

]]> By: sam kohen http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-47418 sam kohen Thu, 22 Oct 2009 22:47:37 +0000 http://www.john-goodman-blog.com/?p=5314#comment-47418 You forgot to mention that the Health Net paid the claims examiner $2000.00 for that particular file. Good job. As well the weight difference was 5 pounds, so you better be careful when you go out and stay away from French fries or coke. You forgot to mention that the Health Net paid the claims examiner $2000.00 for that particular file. Good job. As well the weight difference was 5 pounds, so you better be careful when you go out and stay away from French fries or coke.

]]> By: Bart Ingles http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-46282 Bart Ingles Fri, 18 Sep 2009 01:22:37 +0000 http://www.john-goodman-blog.com/?p=5314#comment-46282 Here we go: http://healthinsurance.about.com/od/statespecificinformation/a/california.htm Here we go:
http://healthinsurance.about.com/od/statespecificinformation/a/california.htm

]]> By: Bart Ingles http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-46281 Bart Ingles Fri, 18 Sep 2009 01:20:45 +0000 http://www.john-goodman-blog.com/?p=5314#comment-46281 John, that's a fair point, but I was looking at the number of <i>reinstatements,</i> compared to the number of complaints. How can there be more reinstatements than complaints? I wasn't disputing the market forces, but there must be something wrong with the numbers. Maybe there's a more common avenue of complaint that's not counted here. I'd never heard of the California Department of Managed Care. I wonder what's its relationship to the California Department of Insurance. John, that’s a fair point, but I was looking at the number of reinstatements, compared to the number of complaints. How can there be more reinstatements than complaints? I wasn’t disputing the market forces, but there must be something wrong with the numbers.

Maybe there’s a more common avenue of complaint that’s not counted here. I’d never heard of the California Department of Managed Care. I wonder what’s its relationship to the California Department of Insurance.

]]> By: John R. Graham http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-46277 John R. Graham Thu, 17 Sep 2009 23:10:51 +0000 http://www.john-goodman-blog.com/?p=5314#comment-46277 Mr. Ingles: Would you agree that someone who believed that his policy had been illegally rescinded by a carrier after an expensive claim would go to the Insurance Commissioner and demand regulatory/legal action? I cannot imagine that one would not, especially given the punitive nature of the redress. So, if the ratio of complaints/rescissions is so low, one really must conclude that the individual market is subject to adverse selection: These people waited until they got sick, did not disclose it when they applied for coverage, and when they were rescinded they knew they had no case. Mr. Ingles: Would you agree that someone who believed that his policy had been illegally rescinded by a carrier after an expensive claim would go to the Insurance Commissioner and demand regulatory/legal action? I cannot imagine that one would not, especially given the punitive nature of the redress. So, if the ratio of complaints/rescissions is so low, one really must conclude that the individual market is subject to adverse selection: These people waited until they got sick, did not disclose it when they applied for coverage, and when they were rescinded they knew they had no case.

]]> By: Bart Ingles http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-46248 Bart Ingles Thu, 17 Sep 2009 15:36:46 +0000 http://www.john-goodman-blog.com/?p=5314#comment-46248 I guess he finally figured out that he was in the wrong classroom. For all I know I'm just as much a nuisance as he was, but at least I'm in agreement with most of what I read here. Maybe I should post more "amen" comments to balance my critical ones, but they always seemed sort of superfluous. I guess he finally figured out that he was in the wrong classroom.

For all I know I’m just as much a nuisance as he was, but at least I’m in agreement with most of what I read here. Maybe I should post more “amen” comments to balance my critical ones, but they always seemed sort of superfluous.

]]> By: Bruce http://healthblog.ncpa.org/someone-please-tell-the-president-it%e2%80%99s-been-illegal-to-drop-coverage-since-1997/comment-page-1/#comment-46246 Bruce Thu, 17 Sep 2009 14:15:50 +0000 http://www.john-goodman-blog.com/?p=5314#comment-46246 Where is Brian, now that we have cleared this up????? Where is Brian, now that we have cleared this up?????

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