Americans are already beginning to see the benefits of the health care reform. The new law requires that insurance health - from September to end their practice more indefensible: repeal of coverage when a policyholder gets sick. In recent days the insurers and their trade association have rushed to announce that you eventually rescissions immediately.
It is very good news for the thousands of people each year pay your premiums but lose their coverage only when it is likely to run large medical bills.
Insurers decided to act quickly once goes for some very bad publicity. A research by Reuters report said that one of the largest in the nation, WellPoint, insurers was aimed at women with cancer breast for investigations of fraud which could give rise to rescissions.
Although WellPoint denies fiercely singling scrutiny breast cancer patients, recognized by computer algorithms to find a number of conditions that applicants probably would have known about as they were requested. Seemed like an admission of backhanded which was actually looking for excuses: the company would say legitimate - reasons to cancel coverage. Democrats in Congress and the administration of Obama urged insurers to stop rescissions at once.
Insurers state that policies rescinded only when people have misrepresented or lied about his State of health or other important factors at the time of the application. Insurers do rescissions only individual policies, not the employer-based coverage. Argued for maintaining low rates for the rest of your customers needed the ability to exclude persons that not has been able to report the pre-existing conditions.
An investigation and hearings last year by the energy and Commerce Committee challenged claims. We found many worrying, cases where pre-existing conditions were trivial, unrelated to the claim, or don't know that the patient.
Some companies issued policies quickly to start collecting premiums and only later, if a policyholder had filed claims faces, carries out a detailed review of medical records. If you find any discrepancies or omissions, they would retroactively cancel the policy, it will refund the paid premiums and refuse to pay more for medical services. At that time, of course, the applicant would unable to obtain coverage of any other insurer.
Camera research found that three large insurance companies rescinded some policies of 20,000 during a period of five years, and a survey conducted by the National Association of Insurance Commissioners found more than 27,000 rescissions in an overlapping period of five years. It is a small percentage of the millions of policies issued or existing in a given year, but a disaster for the thousands of people who have lost their insurance.
Insurers were wise to criticisms of short and end rescissions now. This follows a recent agreement by many companies to start to leave to employees to stay at policies of his parents until the age of 26, which is not required until September. Under pressure from the White House, industry has agreed to also cover children with pre-existing medical conditions as soon as published new rules.
Many of the main provisions of the reform not kicking until 2014, but is already changing the behavior of insurers. That means more security for many Americans that otherwise might find insurance unaffordable or unavailable.
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