The four largest for-profit health insurance companies are denying coverage to more people than ever for pre-existing conditions. A 49% increase in denials of this type is described in a report released by the House Energy and Commerce Committee today.
Aetna Inc, Humana Inc, UnitedHealth Group Inc and WellPoint Inc.are the companies given as an example in the report. They denied 257,000 applicants in 2009 alone compared to 172,400 in 2007 according to the report. It is being said this is the very reason such actions are to kick in with the Health Care Reform act due to take full force in 2014 if it is not repealed by Republicans.
Such companies often consider the slightest things as “pre-existing conditions.” Come down with lung cancer and you had an upper repertory infection years ago… they have been known to deny payment. Find a benign lump in your breast but come down with breast cancer several years later? That has been used as an excuse also although not very frequently. On some type of medication? That as well could be an indicator you may have a pre-existing condition.
According to an article by Reuters on MSNBC, the insurers refused to sell plans to more than 651,000 individuals in three years. That is one out of every seven applicants because of their medical history. Health Insurance Reform passed by the Congress earlier in the year makes it illegal now for children but adults will have to wait. Insurers do not have to change their practices for adults until 2014.
Article by Reuters on MSNBC
Health insurance claim denials rose by half in recent years Pregnancy among preexisting conditions according to four top insurer