Insurance Company Schemes

Congressional committees heard a lot this month about the devious schemes used by health insurance companies to drop or shortchange sick patients. It was a damning portrait — and one Americans know from painful personal experience — of an industry that all too often puts profits ahead of patients. Full Story »

Posted by Kristin Gorski

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Review

Michael Bugeja
4.1
by Michael Bugeja - Jun. 29, 2009

The Times editorial covers one aspect of insurance that has touched almost every life--the denial of claims for alleged pre-existing conditions. The insurers had said such cancelations were rare; but congressional investigators found more than 20,000 in a short time span. The editorial makes a case for competitive national health insurance.

I began my career after college writing for an insurance company. I lasted two months. I was updating a booklet of benefits and wrote: "You are ineligible for benefits 48 hours before surgery." I was asked to change that to: "You are ineligible for benefits 24 hours prior to the day before surgery." When I asked why, my supervisor told me the more convoluted the writing, the fewer clients would take advantage of the benefit.

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