California-based Consumer Watchdog has obtained internal underwriting policy documents for several California insurers that detail exclusions for pre-existing conditions:
In the wake of news reports that a history of domestic violence is considered a "pre-existing condition" by many health insurers, today Consumer Watchdog released internal insurance company documents showing that firefighters, police officers, war correspondents, expectant fathers, pregnant women and patients with asthma, acne, allergies, and toenail fungus will often be denied health insurance policies.
The list of pre-existing conditions is long, and includes just about every illness. Rescission provides for denial of claims or detailed investigation of claims related to any of these conditions.
So exactly what is it they cover? Not much apparently. Maybe it should be called "accident insurance" (unless you're a dockworker or flight instructor).
Underwriting policy documents:
• PacifiCare (subsidiary of United Health Group)
• Blue Cross of California (subsidiary of WellPoint Inc.)
• Blue Shield of California
• Health Net
• Consumer Watchdog press release
UPDATE: An example list of declinable pre-existing conditions from the Blue Shield policy...
continued...
DECLINABLE CONDITIONS Acromegaly Adoption In Progress AIDS AIDS-related complex (ARC) Alzheimer’s ALS, Lou Gehrig’s Amputation, Single or Bilateral Foot or Leg Anaplastic Carcinoma Anemia, Aplastic Anemia, Cooley’s/ Mediterranean/Major Thalessemia Anemia, Cooley’s/ Mediterranean/Minor Thalessemia with symptoms Anemia, Hemolytic, Auto-Immune Aneurysm – Aortic, Abdominal, Thoracic Aneurysm, Cerebral Artery (Brain) with Stint/Shunt Angina Angioplasty Aortic Obstruction Aortic Valve Stenosis Apnea (see Sleep Apnea) Arnold-Chiari Syndrome Arteriosclerosis Arteriovenous Malformation, unoperated Arteriovenous Malformation, operated but shunt in place or with residuals Arteritis, Necrotizing Arthritis, Osteoarthritis severe Arthritis, Psoriatic Arthritis, Rheumatoid: chronic, severe or under treatment Atrial Fibrillation on blood thinners Atrial Tachycardia Asbestosis Back sprain/strain, chronic Banti’s Disease Barrett’s Esophageal Ulceration Basal Cell Skin Cancer, multiple removals in one site Behcet’s Syndrome Bicuspid Aortic Valve Bipolar Disease Bladder Stones, present Bradycardia with pacemaker Breast Implants, silicone Breast Microcalcifications – severe after biopsy or present without biopsy Bypass Surgery – all cases Cancer, all non-localized Cancer, Liver Cancer, Ovarian Cancer, Pancreas Cardiomyopathy Carotid Artery Disease Carotid Endarterectomy Carotid Bruit Cellulitis, Chronic Cerebral Palsy: under age five or moderate to severe Chorea, Huntington’s Chronic Obstructive Pulmonary Disease (COPD): moderate to severe or smoking Christmas Disease Cirrhosis Cleft Lip/Palate: unoperated under age 19 Coagulation Defects Colitis, Ulcerative: unoperated or with partial colectomy Colitis, Ulcerative with or ileostomy or colostomy Congestive Heart Failure Connective Tissue Disease Cor Pulmonale Corneal Degeneration Corneal Ulcer: chronic and unoperated Coronary Artery/Heart Disease Cretinism Cystic Fibrosis Cytomegalovirus Dandy Walker Syndrome (see Hydrocephalus) Delirium Tremens Demyelinating Disease Dermatomyositis Diabetes with Hypertension or over weight guidelines or on insulin pump Diabetic Neuropathy Diabetic Retinopathy Dialysis Dysplastic Nevus Syndrome Endometriosis: symptomatic before or after surgical or natural menopause Esophageal Ulcerations or Varicosities Factor VIII, IX or XI Disorders/Deficiencies Fallot’s Tetrology Fanconi’s Syndrome Fasciitis: chronic or recurrent Fatty Liver Fibromyalgia Flexion Contracture Friedrich’s Ataxia Gallstones, unoperated Gangrene, Diabetic/ Arteriosclerotic |
Glomerulonephritis: Nephritis, chronic Glomerulosclerosis Goodpasture’s Syndrome Gout: Tophaceous or with renal involvement Guillain-Barre Syndrome: present or with residuals Hamman-Rich Disease Hansen’s Disease (Leprosy) Heart Attack, Myocardial Infarction within 10 years Heart Enlargement Heart Pacemaker Heart Valve Replacement Heart Valve Stenosis Hemangioendothelioma Hemochromatosis Hemoglobinuria Hemophilia Hepatitis: all those other than A, B or E Hepatitis: any type – present, chronic or persistent Herpes Zoster: eye or ear involvement Hirschsprung’s, unoperated Hodgkin’s Lymphoma Huntington’s Chorea Hyaline Membrane Disease within 2 years Hydrocephalus Hyperprolactinemia with tumor Hypertension with Diabetes or Renal Disease or History of Stroke Hypertension over weight guidelines or uncontrolled or hospitalized within 1 year Hypogammaglobulinemia Immunodeficiency Disorder, except HIV infection Infertility treatment within past 2 years Interstitial Cystitis Ischemic Attack, transient Ischemic Heart Disease Joint Replacements: both knees or hips Joint Replacements: multiple surgeries or shoulder, elbow, wrist, ankle Kaposi’s Sarcoma Kidney Dialysis Kidney Stones, present Kimmelstiel-Wilson Syndrome Kleinfelter’s Syndrome Leprosy (Hansen’s Disease) Leriche Syndrome Leukemia Lou Gehrig’s Disease Lupus Erythematous: discoid – chronic Lupus Erythematous: systemic Lyme’s Disease: chronic or symptomatic Lymphedema Macular Degeneration: exudative Major Depression Manic Depression Marfan’s Syndrome Mitral Valve Prolapse: more than trace regurgitation or not on prophylactic antibiotics Mitral Valve Stenosis Multiple Myeloma Multiple Sclerosis Muscular Dystrophy Myasthenia Gravis Myocardial Infarction within 10 years Nephrectomy: persistent renal or cardiovascular abnormalities Neuroblastoma Neurofibromatosis Nevus: Dysplastic Syndrome or Giant Melanocytic Non-Hodgkin’s Lymphoma Obesity with Prior Surgery Osler-Weber-Rendu Disease Otosclerosis, unoperated Pacemaker Pancreatitis: recurrent or chronic or secondary to alcoholism Paralysis: Quadraplegia, Paraplegia Parkinson’s Disease Pelvic Inflammatory Disease (PID): present Pemphigus Pericarditis: constrictive Peripheral Vascular Disease Phlebitis, Deep Vein: present or on anti-coagulants Pleurisy, unresolved Pneumocystis Carinii Polio with bladder or bowel residuals Polycystic Kidney Polycystic Ovaries (Stein Levinthal Syndrome) without removal of ovaries Polycythemia Vera Polyp, anal or rectal: more than 4 and/or unoperated Polyp, bladder: present or recurrent Polyp, gastrointestinal: unoperated Pott’s Disease |
Pregnancy of self, spouse or significant other Progeria Prostate Stones with Prostatitis Psoriasis, Severe Psoriatic Arthritis Psychopathic Personalities Psychotic Disorders Pulmonary Embolism: present Pulmonary Fibrosis Pulmonary Hypertension Pulmonary Osteoarthropathy Pulmonic Stenosis Quadriplegic Paralysis Reiter’s Syndrome: within 6 months of diagnosis Renal Failure: chronic or end stage Retinoblastoma Rett’s Syndrome Rheumatic Heart Disease Rotator Cuff: unoperated, symptomatic Sarcoidosis Schizophrenia Scleroderma: recurrent, extensive or diagnosed within 1 year Sezary’s Syndrome Shingles: eye or ear involvement Shunts or Stints Sick Sinus Syndrome Sickle Cell Anemia Sjogrens Syndrome Sleep Apnea: obstructive or poorly controlled or requiring CPAP (continuous positive airway pressure) Spina Bifida, Cystica: unoperated or operated with residuals Spina Bifida, Occulta: unoperated under age 20 Spinal Curvature: Kyphosis, Scoliosis or Kyphoscoliosis, unoperated Stein-Leventhal Syndrome (polycystic ovaries) Stroke within 10 years Subdural Hematoma: unoperated Superior Vena Cava Syndrome Surrogacy Planned within 2 years with surrogate mother or applicant as surrogate Syphilis: tertiary Syringomyelia Systemic Lupus Erythematous Tabes Dorsalis Tay-Sachs Disease Temporal Arteritis Temporomandibular Joint Syndrome (TMJ): operated with residuals Tetrology of Fallot Thalessemia Major Thrombocytosis Tonsillitis: chronic, recurrent (3 or more attacks per year) Toxoplasmosis Tracheotomy present Transient Ischemic Attack (TIA) Transplants: all except corneal Transposition of the great vessels: unoperated Treatment with AZT, HIVID or Pentamidine Trigeminal Pulse Tuberculosis, Epididymus Turner’s Syndrome Ulcer, Peptic: active within 2 years or H. Pylori Positive Upper Airway Resistance Syndrome Urethral Stricture: chronic, recurrent Uterine Fibroid Tumor: unoperated, moderate-tolarge size Valve Disease, Valve Replacement Varicose Veins: moderate to severe Ventricular Fibrillation Ventricular Tachycardia Von Recklinghausen’s Disease Von Willebrand’s Disease Wegener’s Granulomatosis Wolff-Parkinson-White Syndrome: without cardiac ablation |
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This is outrageous! The only
This is outrageous! The only solution is single-payer.
Sleep apnea requiring CPAP - auto decline?
I've known several people who have used the CPAP, one who lived into their 80s. I suppose doctors need to be careful on the conditions they find and the treatment or they will have no patients that can afford their services or treatments.
How come?
Seriously. Why? Aren't there other potential solutions that have yet to be tried?
For instance, why not bust the trusts and allow some actual competition into the "free" market? Isn't there at least the possibility that treating the insurance industry like others that are actually subject to antitrust laws would induce some beneficial declines in prices for the former's products?
Why not make recission illegal? It's an abhorrent practice. Why should it not be against the law?
Why not get rid of exclusions for preexisting conditions like the ones listed above? If people pay into the insurance system over the course of time, which they damn well should if they want to receive benefits from it, can insurors not figure out a way to be profitable? I bet they could.
Not everyone pays into the system, so why not offer gentle incentives to people who are healthy and who could afford insurance but simply choose not to, to purchase insurance by making them pay out of pocket for care they receive on the public dime?
Imagine a MaBell of health
Or, alternatively, don't. Some things are too horrid to countenance.
____________________________
Dirty deeds done dirt cheap! Special holidays, Sundays and rates!
I dunno.
I was really, really young back in the Ma Bell days. I just remember that the phones were extremely hard to break.
I think a more accessible analogy might be something like Microsoft. I use the wares of Gates, usually, even though I bitch about it all the time. I could use a Mac if I wanted to, and I've played around with open source stuff enough to think, "I could probably make this work."
There's no absolutely perfect solution, but the ones that are out there offer enough flex that anyone can compute. Access to healthcare could be much improved by some judicious regulation that favors consumers, which my probably-too-simple suggestions attempt.
But back to Ma Bell. When I think of Medicare scaled to single payer, that's exactly the kind of monolithic (potential) goatf*ck that comes to mind; part of the reason Medicare works is that it is a piece of a puzzle instead of being the whole thing. What is it about the fact that the government would be running it that makes it seem so much more attractive/effective than if it were being operated by private parties?
The problem with the suggestions you are making...
while they are common-sensical is that you and all the other opponents of a public option are relying on the good-heartedness of the insurance industry to do right by their customers. Even though those companies have PROVEN over and over that when it comes down to brass tacks...they will choose profit and make it a priority over the health and well-being of ANY of their customers, from the poorest of the poor to the wealthiest they can attract. The TRULY wealthy don't seem to bother with insurance at all, they just pay out of pocket because they can. Anyone who is not in that upper echelon of income earners is SOL when the insurance company begins weighing the value of your life versus the pay-out they would have to make to help you keep it in the face of a catastrophic disease.
Corporations have been given all the rights and privileges of individual human beings in this capitalistic society of ours, but politicians have not yet managed to legislate a soul or conscience or morality for them yet. So go ahead and trust health insurance CEO's to care about you and your loved ones if you like, I don't...and unlike government, we cannot vote the bastards out of office if we don't like how they do their jobs, ESPECIALLY if they're the only game in town. With government offering a low-cost alternative, big corporations will have to at least make a token show of being responsive to the needs of their clients.
_________________________________________________

"You can't fix stupid..." ~ Ron White"
"I never said I wasn't a brat..." ~ Talidapali
Did you even bother to read what I said?
Legislation NEVER gives anyone or anything a soul or a heart. It just, hopefully, prevents them from behaving badly and/or punishes them when they do.
Trust health insurance CEOs? Hardly. I'm saying remove some of their more abhorrent options.
Regulation right now favors the interests of the insurance industry. I identify that as very problematic and suggest changing the regulatory environment to as to favor people who need access to healthcare.
You seem to believe that government somehow has more of a soul than do private corporations, and you might believe that a single payer system run by the government will be a real evolution in healthcare access. You're entitled to believe such things, but I don't see any evidence to suggest that you're right. I still remain to be convinced that single payer won't be a step towards a more uniform level of mediocrity at best.
You seem to believe that
Yeah. An 8 hour work day and child labor laws are really cruel and heartless.
Here's an idea: learn a little American history before you comment again.
The dogmas of the quiet past, are inadequate to the stormy present.
President Abraham Lincoln 1862
Sanctimony is the new cleverness, evidently.
And your point is well-taken. I've studied it, and I now fully comprehend that you're an illogical and uncomprehending dolt of American historic proportions, Gary. The 8-hour workweek and child labor laws are analagous to exactly the kind of regulation I'm advocating with regard to insurors.
But that kind of regulation is an appropriate role for government. Being in the insurance monopoly business is not. So back to the actual issue, which relates to improving access to healthcare. I still remain to be convinced that single payer won't be a step towards a more uniform level of mediocrity at best.
"you might believe that a
Medicare hasn't given people access to healthcare? That's why it covers over 40 million people and almost everyone over 65 years of age applies for it, because it's such a lousy system?
Like I said, learn a little history.
The name calling may get you places on other blogs, but on this one I don't think most people are impressed with it.
But then again, if it's all you've got....
The dogmas of the quiet past, are inadequate to the stormy present.
President Abraham Lincoln 1862
In your case, Gary, the name is just an objective descriptor.
No offense intended.
What is your point about Medicare? That it's a monopoly?
My question is, is it better for Medicare to scale to a national single payer system than it is to regulate private insurors differently? If so, why?
Which aspect of history do you suggest I study to find the answer? Labor laws or Medicare? The Korean War? TVA?
Yeah.
I get that. Does it scale at 3%, though? And does the delivery system function as well or better in all respects at Medicare payment levels?
If the answers to those questions are unequivocally "yes," then I honestly think I'd have to concede the match.
Medicare has more than 44
Medicare has more than 44 million enrollees and represents 22% of health care spending in the U.S. My guess is that it's the largest insurance program in the world. So yes, it scales.
One problem with Medicare is that the costs are higher per capita than the general population. This is due to the fact that Medicare enrollees are seniors and people with disabilities, who typically have more health problems. If it were spread out to cover everyone it would be more efficient.
My personal experience of observing the care received by Medicare patients is that it is as good or better than private insurance.
Thank you both.
I'm all out of questions for now.