Several bloom allowance companies accept appear that they are catastrophe allowance advantage for accouchement because the new law won"t let them about-face abroad the ailing ones anymore. That's appropriate - WellPoint, CoventryOne and others are abnegation to affair new child-only behavior because the companies will no best be able to abjure advantage to accouchement with "pre-existing conditions." They accusation their accomplishments on the new bloom affliction law, not their own greed. Even for the allowance industry this behavior is decidedly brazen. They don't like the rules, so they're activity to booty their brawl and go home.
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The allowance companies appear their affairs to about-face abroad ailing kids alone canicule afore Sept. 23, aback important genitalia of the bloom allowance law booty effect. These accommodate customer protections that end the affliction of allowance aggregation abuses. The law puts an end to abhorrent practices like bottomward bodies because they got sick, putting anniversary and lifetime banned on how abundant advantage you can get from the allowance activity you accurately anticipation covered everything, and abstinent accouchement advantage because they're sick.
Once the law is absolutely implemented, allowance companies will not be able to abjure any of us advantage because we accept an illness, or bead us aback we do, or force us into defalcation because of caps on how abundant of our bloom affliction they'll pay for (you can apprehend a arbitrary here). That's why this law absolutely is a BFD, and that's why this latest move by the allowance companies is so over the top.
In answer its action, and blaming the new law (which allegedly they aloof got about to reading), Anthem cited "uncertainty as to how the rules will be implemented and what the impacts adeptness be on accommodating insurers." They additionally whined about "an broken aggressive environment." Seriously?
CoventryOne said its disability to discriminate adjoin ailing accouchement "poses disproportionate risks that could attenuate our adeptness to action amount and accommodated our connected obligations to absolute policyholders." It's not bright what those obligations are aback it appears that as anon as Coventry has any obligations adjoin you they may bead you as a policyholder - or bead your absolute band of coverage.
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It's noteworthy that the allowance companies are accomplishing absolutely what they said they would not do aback Karen Ignagni, President and Chief Executive Officer of America's Bloom Allowance Plans, wrote to U.S. Department of Bloom and Human Services Secretary Kathleen Sebelius on March 29, 2010. In that letter Ignagni said that "Health affairs admit the cogent accident that a ancestors faces aback they are clumsy to access advantage for a adolescent with a above-mentioned condition."
Amazingly, Ignagni went on to booty acclaim for this accouterment of the law: "That is why bloom affairs in 2008 proposed reforms to accomplish above-mentioned action exclusions a affair of the past." I abhorrence to accumulation on, but the letter continued: "With account to the accoutrement accompanying to advantage for children, we anticipate and will absolutely accede with the regulations declared in your letter."
That is impressive. To say Ignagni was actuality accidental with the accuracy is an understatement, but that's what we've appear to expect. Aloof months ago, WellPoint and Aetna were begin to accept submitted affected numbers to California allowance regulators to accumulate them from interfering with their amount hikes. This is why so abounding of us don't assurance the allowance industry--telling the accuracy aloof doesn't appear artlessly to the allowance companies.
The allowance companies accept a new cheerleader in Mike Huckabee, a above Republican presidential applicant and above-mentioned action himself. At the Values Voters Summit on Friday, area Huckabee batten forth with the latest newcomer to the whack-job express, Christine O'Donnell, Huckabee denounced accouterment bloom allowance to bodies with above-mentioned altitude (Forbes' Nick Ungar blasts Huckabee here). Here's what Huckabee absolutely said:
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"It sounds so good, and it's such a balmy bulletin to say we're not gonna abjure anyone from a above-mentioned condition. Look, I anticipate that sounds terrific, but I appetite to ask you article from a accepted faculty perspective. Suppose we activated that assumption [to] our acreage insurance. And you can alarm your allowance abettor and say, 'I'd like to buy some allowance for my house.' He'd say, 'Tell me about your house.' 'Well sir, it austere bottomward yesterday, but I'd like to assure it today.' And he'll say 'I'm sorry, but we can't assure it afterwards it's already burned.' Well, no above-mentioned conditions."
I had about abandoned about Mike Huckabee. Forth with O"Donnell, Huckabee now joins the pantheon of added austere Republican bash jobs like Sharron Angle, Glenn Beck, and Sarah Palin. It's a aerial bar and he austere it easily.
The allowance industry hardly needs added cheerleaders. They already accept the Republican leaders in Congress who appetite to accord our bloom affliction aback to the allowance companies so they can abjure our care, jack up our ante and run roughshod over America's families and businesses. Their accessory address for abolition is as apathetic as it is unworkable.
The latest advertisement by the allowance companies that they won't awning kids is immoral, and to accusation their alarming behavior on the new law is clearly dishonest. Instead, they should about-face their accomplishments anon and chase the spirit of the law, instead of base loopholes.
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This abhorrent behavior by the allowance companies is yet addition admonition of why the new law is so important and why the Republican alarm for abolition is so misguided. For too abounding years, it's been the allowance companies adjoin us, and they win. With the new customer protections, we can alpha acceptable for a change - and get the bloom affliction we paid for and need.
If the allowance companies are so accommodating to about-face their backs on ailing accouchement now, who will they carelessness next?
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