legitimate claims of policyholders who are up-to-date with their premium
payments by digging back years into their medical history and alleging
that they failed to disclose, or should have known about, a pre-existing
-- In 45 states and the District of Columbia, insurers do not have to spend
at least 75 percent of premium revenues on health care, which allows
insurers to retain those revenues for profits and non-health care
expenses (such as marketing).
-- In 20 states and the District of Columbia, insurers can set and raise
premiums without meaningful oversight.
"The individual health insurance market is still the wild, wild west for America's health care consumers," said Ron Pollack, Executive Director of Families USA. "It is a market with many abuses and with far too few state-level consumer protections."
"There are two important lessons to be learned from this survey," said Pollack. "First, the individual health insurance market has many more abuses than the group coverage market. Second, the federal government should establish some meaningful protections that would apply nationwide and that would curb the most common and harmful abuses by insurance companies."
"I have zero tolerance for health insurance abuses," Connecticut Attorney General Richard Blumenthal said today. "Working closely with healthcare advocates, I strongly and successfully advocated a complete ban against abusive insurance rescissions -- returning health care decisions to patient and doctor, where they belong, away from insurers and bureaucrats.
"States must form a unified front to hold insurers accountable, so they
keep their promises of coverage," Blumenthal said. "My office has fought
for thousands of Connecticut citizens over recent years -- patients
unfairly and unconscionably denied cov
|SOURCE Families USA|
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