for-profit health insurance

Investigative Report: Health Insurance Denied To Rape Victims

rape victim_b60e1.jpg

The Huffington Post has this disturbing story. Imagine being denied health insurance because you were the victim of a crime... This is why we have to regulate the hell out of these people, and that's something we can fix by yanking their anti-trust exemption:

Christina Turner feared that she might have been sexually assaulted after two men slipped her a knockout drug. She thought she was taking proper precautions when her doctor prescribed a month's worth of anti-AIDS medicine.

Only later did she learn that she had made herself all but uninsurable.

Turner had let the men buy her drinks at a bar in Fort Lauderdale. The next thing she knew, she said, she was lying on a roadside with cuts and bruises that indicated she had been raped. She never developed an HIV infection. But months later, when she lost her health insurance and sought new coverage, she ran into a problem.

Turner, 45, who used to be a health insurance underwriter herself, said the insurance companies examined her health records. Even after she explained the assault, the insurers would not sell her a policy because the HIV medication raised too many health questions. They told her they might reconsider in three or more years if she could prove that she was still AIDS-free.

Stories of how victims of sexual assault can get tangled in the health insurance system have been one result of the Huffington Post Investigative Fund's citizen journalism project, which is calling on readers to provide information and anecdotes about the inner workings of the insurance industry. The project aims to uncover details and data that can inform the larger debate over how to fix the nation's health care system. As the Investigative Fund reported in September, health insurance companies are not required to make public their records on how often claims are denied and for what reasons.

Some women have contacted the Investigative Fund to say they were deemed ineligible for health insurance because they had a pre-existing condition as a result of a rape, such as post traumatic stress disorder or a sexually transmitted disease. Other patients and therapists wrote in with allegations that insurers are routinely denying long-term mental health care to women who have been sexually assaulted.

Susan Pisano, spokeswoman for the health insurance industry's largest trade group, America's Health Insurance Plans, said insurers do not discriminate against victims of sexual assault and ordinarily would not even know if a patient had been raped.

"These issues you are bringing up, they deserve to be brought up," said Pisano. "People who have experienced rape and sexual assault are victims and we want them to be in a system where everyone is covered."

Turner's story about HIV drugs is not unusual, said Cindy Holtzman, an insurance agent and expert in medical billing at Medical Refund Service, Inc. of Marietta, Ga. Insurers generally categorize HIV-positive people as having a pre-existing condition and deny them coverage. Holtzman said that health insurance companies also consistently decline coverage for anyone who has taken anti-HIV drugs, even if they test negative for the virus. "It's basically an automatic no," she said.



Mike's Blog Roundup

The Bobblespeak Translations: What Obama really said yesterday on Meet the Press. Later in that hour, David Gregory actually did his job...for once

Prairie Weather: The most important health-care document released this week was not Sen. Max Baucus's Healthy Future Act. It was the Kaiser Family Foundation's 2009 Employer Benefits Survey.

Calculated Risk: Senator Dodd pushing new bank regulatory plan

skippy the bush kangaroo: Environmental news

The Washington Note: Israel Prime Minister Benjamin Netanyahu might be Obama's Khrushchev

Rising Hegemon: Conservatives and Porn


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Wendell Potter repeated to Ed Schultz what he said in his testimony before the House Democratic Steering and Policy Committee, that Max Baucus' bill is a joke.

Wendell Potter warned that if Congress "fails to create a public insurance option to compete with private insurers, the bill it sends to the president might as well be called the Insurance Industry Profit Protection and Enhancement Act."

Here is some of the hearing today. Potter on the Baucus "Insurance Industry Profit Protection and Enhancement Act".

Potter on co-ops and why they won't work.


Ed Schultz Psycho Talk: Rep. Paul Broun

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Compassionate conservative Rep. Paul Broun makes Ed Schultz's Psycho Talk segment for this number- Rep. Broun walks away from man asking for plan to lower health care costs: ‘If you have a suggestion, send it.’:

Yesterday, Rep. Paul Broun (R-GA) held a town hall in Watkinsville, GA, where he fielded questions about health care legislation before Congress. At the conclusion of the town hall, Ryan Lewis, an Athens, GA, resident, approached the congressman and politely explained to him about how his health insurance company refuses to pay for his treatment. In response, Broun told Lewis, “We need to make insurance affordable.” Lewis then asked, “How do we do that?” Rather than offering a GOP solution to skyrocketing health care costs, Broun simply told him, “If you have a suggestion, send it to me” and quickly walked away.


So I'm skimming my bookmarked sites for post ideas and on CongressMatters (which, if you don't read regularly, you should), David Waldman blogged about this ridiculously slanted article in today's Washington Post:

Health-Care Activists Targeting Democrats
Sniping Among Liberals May Jeopardize Votes Needed to Pass Bill

By Ceci Connolly
Washington Post Staff Writer
Sunday, June 28, 2009

Hmmmm....interesting spin. It's the liberals' fault. Not the obstructionist Republicans or centrist Democrats standing in the way of what the people want. Of course. It goes on:

Provided that the Democratic legislators in question were actually pressing for, you know, legislation that these constituencies actually agreed with and wanted to see passed. There's nothing "natural" about it, in the sense that support should be assumed or taken for granted. But that's the implication. I'm not the "natural" ally of anyone who insists that something supported by 76% of the population is really just some sort of "left-leaning" nonsense, and that we need to find "centrist" compromise with the other 24%.

But that's the underlying premise of the entire article, helped along by quotes from Democratic lawmakers and staffers who repeat the mantra, especially when it comes to the pressure being put on them (or rather, that they claim is not actually being put on them, because they all "ignore" ads and other "unhelpful" input from the grassroots).

Sen. Dianne Feinstein (D-CA), for example:

"I do not think this is helpful. It doesn't move me one whit," she said. "They are spending a lot of money on something that is not productive."

That's a hell of a thing for a Member of Congress to say, don't you think? Spending a lot of money on something that is not productive? You don't say! At least it's private money, Senator. Gosh, sorry to bother you, Di!

Next graf:

Much of the sparring centers around whether to create a government-managed health insurance program that would compete with private insurers. Obama supports the concept, dubbed the "public option," but he has been vague on details. Left-of-center activists want a powerful entity with the ability to set prices for doctors and hospitals.

76% support for a public option. But only "left-of-center activists" want it.

But it gets better. Adam Green, with whom we've worked on his "Demand a Public Option" campaign, is one of the few liberals quoted for the article, and Connolly distorts that too:

When asking me about the Progressive Change Campaign Committee's TV ads (which begin airing Monday in DC) holding Senate Dems accountable for taking millions from insurance interests and being on the verge of opposing a public option supported by 76% of Americans, Connolly would ask me ridiculous questions like, "Why are you attacking your friends? Wouldn't you agree that these Democrats are better for you on most health care issues than Republicans?"

I had to patiently explain to her that the public option is the defining issue of the health care debate -- if Senators like Baucus and Nelson aren't with us on that, they are not our friends.

Connolly listened, and then chose to dismiss silly activists who are fighting for what 76% of Americans want:

Activists say they are simply pressing for quick delivery of "true health reform," but the intraparty rift runs the risk of alienating centrist Democrats who will be needed to pass a bill.

As if passing the bill is the goal, regardless of what's in it. Notice how she wrote "Activists say" for the side of an argument representing what 76% of Americans want and simply stated the other side as truth.

But just in case you weren't sure for whom Connolly was advocating:

Connolly then asked me why progressives were picking a political fight on the public option, as opposed to another issue. I guess the fact that it's the #1 domestic issue of the day -- one that affects millions of American families -- wasn't explanation enough.

I figured she was looking for a quote summarizing the political stakes, so I thought for a moment and said, "The public option has become a proxy for the question of whether Democrats will stand on principle and represent their constituents."

I was quite proud of that answer. It summarizes what a lot of people are feeling -- the public option is the "line in the sand" issue for Democrats, something Chris has written about here on OpenLeft several times.

Connolly's take on that quote:

Green, in an interview, was hard-pressed to articulate a substantive argument for the public plan but said that it "has become a proxy for the question of Democrats who stand on principle and represent their constituents."

WHAT? Connolly asked me a question on the politics, and when I gave her an answer on that, she said I didn't answer on the substance?

The Washington Post disinforming the public once again. You can email Ceci Connolly to give her feedback at connollyc@washpost.com or tweet her at @postdailydose.



Here's the question
: Do we ignore the fact that because other countries don't have for-profit systems, they enjoy what is to Americans an almost unimaginable degree of medical security?

Or should we welcome this apparent change of heart and look at it in a vacuum, pretending the insurance industry doesn't have a long and ugly track record of egregious abuses and immoral behavior? Should we just call a mulligan and pretend they're now negotiating in good faith?

Because really, I'm not feeling it. I'm just not that trusting. I believe Howard Dean when he says, "If there's no public plan, it's not real reform":

WASHINGTON —The health insurance industry said Tuesday that it was willing to end the practice of charging higher premiums to sick people if Congress adopted a comprehensive plan that provided coverage to all Americans.

The industry’s flexible position on the issue came as a surprise to lawmakers, and could make it easier to reach an agreement in Congress because it narrows the issues on which insurers are ready to fight the Democrats who control Congress and the White House.

Insurers said they were still staunchly opposed to creation of a new government-run health insurance plan, which, under many Democratic proposals, would compete directly with private insurers.

In effect, insurers said they were willing to discard an element of their longstanding business model, under which insurance policies are priced, in part, on the basis of a person’s medical condition or history.

In the past, insurers have warned that if they could not consider a person’s health in setting premiums, the rates charged to young, healthy people would soar, making coverage unaffordable.

But Karen M. Ignagni, president of America’s Health Insurance Plans, a major trade group, told lawmakers on Tuesday that insurers were exploring ideas to prevent such increases by spreading the risks and costs across a larger population of both healthy and unhealthy people.

Insurers said that they could accept more aggressive regulation of not just their premiums but also their benefits, underwriting practices and other activities. Such strict regulation, they said, would make a new public program unnecessary.

The insurers set forth their position at a Senate hearing on Tuesday and in letters to the Democratic chairmen and senior Republican members of the two Senate committees primarily responsible for health care legislation.

The letters were signed by Ms. Ignagni and Scott P. Serota, president of the Blue Cross and Blue Shield Association.

Senator Jeff Bingaman, Democrat of New Mexico, who presided over the hearing, welcomed the insurers’ position.

“It was a significant step for them to take,” Mr. Bingaman said in an interview. “That’s certainly not been their position in previous years. I hope it moves us closer to something that we could label a consensus.”

In other words, they'll accept just about anything that won't put these devoted lovers of the free market in competition with a government-run program like Medicare. And after all, we don't want to hurt their feelings!