Insist On Fair Coverage

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FAIR
COVERAGE

Insurance companies must provide fair coverage for their beneficiaries and be transparent about how they calculate payments. They need to pay reasonable charges, rather than setting arbitrary rates that don’t even cover the costs of care. Insurance companies are exploiting federal law [EMTALA] to reduce coverage for emergency care, knowing emergency departments have a federal mandate to care for all patients, regardless of their ability to pay.

stethoscope and money“Patients should not be punished financially for having emergencies or discouraged from seeking medical attention when they are sick or injured.  No plan is affordable if it abandons you when you need it most.”
– Jay Kaplan, MD, FACEP, past president of ACEP
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“Many people don’t realize how little coverage they have until they need medical care — and then they are shocked at how little their insurance pays. Others are not seeking emergency care when they need it — and getting sicker — out of fear their visits won’t be covered.”
-Rebecca Parker, MD, FACEP, president of ACEP

Rebecca Parker 2015 Photo
 
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Nearly one in four Americans (registered voters) reported their medical conditions got worse after they delayed visiting an emergency department, because they feared their health insurance companies would not cover the costs, according to a new poll by Morning Consult.

Insurance companies are creating a financial emergency for patients when they’re most vulnerable. Patients need insurance that gives them fair emergency coverage, and policy makers need to hold insurance companies accountable to the Fair Health Database for providing it.
Fair Coverage - Highlights  

“Insurance companies must be transparent about how they calculate payments and provide fair coverage for their beneficiaries and pay reasonable charges, rather than setting arbitrary rates that don’t even cover the costs of care. Seventy-nine percent of the emergency physicians who were familiar with the Fair Health database said it is the best mechanism available to ensure transparency and to make sure insurance companies don’t miscalculate payments.”
– Jay Kaplan, MD, FACEP, past president of ACEP

 
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