Insist On Fair Coverage

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SUPPORT
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, president of ACEP

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Ninety-six percent of emergency physicians say that patients do not understand what their policy covers for emergency care.

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.

Key Poll Findings

72 percent

Emergency physicians say health insurance companies are misleading patients by offering “affordable” premiums for policies that cover very little.

60 percent

Emergency physicians say patients sacrifice care because of out-of-pocket costs.

“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, president of ACEP


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