An eroding model for health insurance

Working Americans once could rely on employer-based benefits. But more people are being forced into the individual market, where coverage is costly, bare-bones and precarious.

The health insurance system has become increasingly expensive and inaccessible. It leaves patients responsible for bills they understood would be covered, squeezes doctors and hospitals, and tries to avoid even minuscule risks, such as providing coverage to a newborn with no serious illness. Full Story »

Posted by Kaizar Campwala
Derek Hawkins
4.0
by Derek Hawkins - Oct. 21, 2008

A much needed breakdown of the U.S. health care system, with a focus on those having the most trouble getting insurance. Great array of anecdotes. Health care reporting, as we've seen, can be very inconsistent, even contradictory across publications. Stories as in-depth and comprehensive as this are rare.

Hits home with me, having just last week received health insurance after six months without any. I'm fortunate to be a healthy, 20-something male, the easiest type to insure. Reading these people's stories is humbling.

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Fabrice Florin
4.0
by Fabrice Florin - Oct. 21, 2008

Informative series on the nation's health insurance crisis, which points to the difficulty of getting affordable insurance in today's troubled economy. This in-depth report provides ample factual evidence from multiple sources, contrasting different case studies involving typical consumers rejected by insurance companies. The article provides invaluable insights, pointing to the low level of regulation over insurance companies, who are often free to "cherry-pick the healthiest consumers."

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Kristin Gorski
4.0
by Kristin Gorski - Oct. 21, 2008

A solid overview of what is happening to "uninsured" Americans. Interesting insights into the insurance industry's policies towards avoiding high risk patients. Eye-opening quotations from those in the insurance industry are very clarifying.

Another article I've read that points to universal health coverage as the only appropriate response to this country's health care crisis.

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Michael Bugeja
4.0
by Michael Bugeja - Oct. 22, 2008

This is the first of three installments and, as such, my ratings might change as other segments are published, perhaps showing the physicians' side as well as cases where private insurers saved the health pool funds by exposing fraud. That said, the article lives up to the promise of its headline: The private health care system truly is eroding, both presidential candidates intend to maintain it, and consequences often spell financial or physical ruin for those who must rely on it. While the writing is engaging, personalizing the content with anecdotes, and while the subject is more pertinent than ever, the article suffers somewhat from lack of in-depth research connecting the dots so that readers can envision "the big picture." ... More »

In my first job for Blue Cross/Blue Shield in Newark, New Jersey, I was asked to revise a statement that read "You are ineligible for benefits 48 hours before surgery." My supervisor edited that to read: "You are ineligible for benefits 24 hours prior to the day before surgery." She said this would help the balance sheet because some would not understand it and others would file for benefits mistakenly. At that point, I decided to become a journalist.

Such cherry-picking tripped up Pam Munter when she applied for individual coverage two years ago. She had retired from a clinical psychology practice in Oregon and moved to ... More »

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Walter Cox
4.3
by Walter Cox - Oct. 21, 2008

This article presents a very accurate picture of just why the private sector has failed to provide effective, affordable insurance to a large segment of the American population.

I am the father of three children in their twenties and thirties, and the normal life changes that everyone experiences during young adulthood (school, job changes, and so on) often leave them with gaps in health insurance coverage. This is particularly a concern as we attempt to save for retirement: a single overnight hospital stay for observation after a minor accident ended up costing nearly $30,000! Fortunately that incident was covered by insurance: if not, it would have ... More »

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Chris Finnie
4.9
by Chris Finnie - Oct. 21, 2008

As a 58-year-old, self-employed woman, much of this has happened to me. I don't have much coverage because I can't afford it. And I'm in better health than most of my friends. But I was refused a policy because of a pre-cancerous skin lesion the doctor froze off my nose. I live in fear that something will happen to me because I don't trust the insurance company to honor the claims or keep my policy. My old company already denied coverage for a standard test that was part of the coverage I pay for, and that they'd already pre-approved. Then Insurance Commissioner Garamendi made them cover it. But, had I not sat next to his wife at a political fundraiser, I might not have gotten that help either. If you too want coverage like ... More »

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Patricia Blochowiak
3.2
by Patricia Blochowiak - Oct. 22, 2008

Lots of anecdotes about problems patients have with insurance companies. Could be much more concise, use more statistics, include problems physicians and hospitals have with insurance companies, and correlate with information about the health care system.

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Joel Kulenkamp
4.8
by Joel Kulenkamp - Oct. 21, 2008

A lot of good facts and figures; I also liked the concluding story about the guy losing his thumb and how he handled it; it reminded me of the recent installment of PBS' "P.O.V." about a man with diabetes.

Would we be hearing these horror stories in Canada? or Europe?

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Ron Pulcini
4.5
by Ron Pulcini - Oct. 22, 2008

The article fed the flames of seething anger I've had about the heath insurance industry for the past thirty years. But with so many sad, sad tales of "med-woe" out there, it couldn't have taken much discovery work to find them. Ergo, Girion & Hiltzik's piece is more of an update of a long-term problem than it is incisive, prescient journalism. Sure would make a great first chapter in an in-depth study of the problem — especially were it to advocate for universal health care.

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Enjolie Esteve
4.4
by Enjolie Esteve - Oct. 22, 2008

Yes, it is very informative.

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Kristine Delanoy
4.3
by Kristine Delanoy - Oct. 21, 2008

I think this is a good article to show people how difficult it is to receive medical insurance. I also like how they have a "Share your Story" section, so that people can get their issues out for everyone to hear about.

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