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National Patient Advocate Foundation Delivers Constituent Cases to White House Health Summit Participants to Urge Elimination of Pre-Existing Conditions, Annual/Lifetime Limits and Capping Out-of-Pocket Expenses
Date:2/26/2010

While NPAF offered sincere thanks to Members of Congress for their tireless work and leadership on health care reform, they acknowledged the work goes on.  The letters sent to all participants urged the elimination of pre-existing condition exclusions and waiting periods for all individuals in every health insurance market, the elimination of annual, monthly and lifetime caps on coverage, and capping out-of-pocket expenses so that health insurance coverage is affordable for patients. NPAF enclosed three patient cases from each Member's state with their letter, citing the specific insurance coverage issues solved by PAF in order to assure the patient's continued access to healthcare.

The letter commends Congress for addressing the barrier that annual and lifetime limits present for patients, but urges that the final health care reform bill prohibit all limits on dollar value, services or specific diseases based on time periods.  While such limits may control costs to the health plan, they do not address or support the fundamental reason consumers purchase health insurance.

Finally, NPAF strongly supports a yearly cap on out-of-pocket spending and cited a recent study by The American Journal of Medicine which found that 62% of all bankruptcies are related to sickness.  Of those, 75% reported having medical insurance.


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SOURCE National Patient Advocate Foundation
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