Tuesday, June 23, 2009

Reading: "Call the insurance companies' action for what it is: evil"

Paul Waldman at The American Prospect says that, if Obama is serious about health care reform, it's time put names and faces to the enemies of reform.

If the administration wants to win this fight, it's going to have to explain the issue to the public in a way it hasn't before. Unfortunately, political debate in America isn't an arena where competing ideas get a full and fair airing and the public chooses between them. Political debate is where stories are told and identities are defined. The key to prevailing in this kind of conflict is defining just who people should be mad at. But up until now, the administration has hesitated to tell the story of health care reform in a way that makes clear who the bad guys are.

But last week, it was given an opportunity to tell that story. At a hearing of the House Energy and Commerce Subcommittee on Oversight and Investigations, Rep. Bart Stupak of Michigan asked executives from three of the nation's largest insurance companies whether they would commit to ending the practice of "rescission" unless there was evidence of intentional fraud or misrepresentation. They all said no.[…]

What is "rescission"? Here's how it works. As Stupak's committee, investigations by a couple of news organizations and some state insurance commissioners, and lawsuits by policyholders have revealed, many insurance companies routinely take the opportunity of a serious accident or illness by one of their policyholders to launch an investigation to see whether they can drop the policyholder from coverage. They don't do this when you first sign up for your policy -- instead, they cash your premiums every month, waiting until you actually file a major claim. At that point, they begin poring over all your past medical records and every form you ever filled out for them, to see if they can find a reason to claim that you violated the terms of your policy. It doesn't even have to have anything to do with the illness in question -- for instance, the Los Angeles Times cited the case of a nurse in Texas who was booted from her insurance policy "after she was diagnosed with aggressive breast cancer, for failing to disclose a visit to a dermatologist for acne."

Rest assured, the insurance companies are working hard to deny coverage to people who have become sick or injured. "One employee, for instance," reported the Times, "received a perfect 5 for 'exceptional performance' on an evaluation that noted the employee's role in dropping thousands of policyholders and avoiding nearly $10 million worth of medical care."

Think about this for a moment. Somewhere in America today, a woman is sitting in her doctor's office, experiencing the worst moment of her life, as she learns she has breast cancer. Death is staring her in the face. She's wondering whether she'll be there to raise her children or meet her grandchildren. But there's something she doesn't know as she walks out of the office and begins to plan how to tell her family that she could be dead soon.

What she doesn't know is that because she was just diagnosed with cancer, her insurance company is launching an investigation of her, in the hopes that they can find a mistake on one of the many forms she's filled out over the years. One of their employees is poring through her records, and that employee's job is to see if the company can come up with some rationale, any rationale, for cutting off her coverage, so they won't have to pay for the treatment for her cancer. And of course, once they do drop her, she won't be able to get coverage from any of the other insurance companies. Because she has cancer.

And so Waldman concludes it's time for the normally cool and cerebral Obama to go at this Chicago-style:

Although it's a word that often gets thrown around too lightly, we can call the insurance companies' action for what it is: evil. If you're looking for a villain in the story of health care reform, there it is. The people who do this to other human beings -- who say, "One of our customers has cancer? Quick, let's see if we can cut off his coverage!" -- are the same people who will be pouring money into fear-mongering attack ads and putting the screws to wavering senators, telling everyone that if the government gets too involved in health care, then terrible things will happen.

If the administration wants to win this fight, it ought to start talking about this practice every day. They ought to make sure that every American knows exactly what rescission is. They ought to have the video of the insurance company executives pledging to continue rescission playing on a continuous loop in the White House press room.

Here, by the way, is the video he refers to. The insurance executives don't even pretend to be troubled by the consequences of their policies.

Waldman's article is going to the Readings list on the sidebar. Check it out.

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