WASHINGTON – Nine in 10 emergency physicians responding to a new poll say that health insurance companies are misleading patients by offering “affordable” premiums for policies that actually cover very little. Nearly all (96 percent) said that emergency patients do not understand what their policies cover for emergency care. The poll received responses from 1,924 emergency physicians from every state, the District of Columbia and Puerto Rico.
“Each day, emergency physicians are seeing patients who have significant co-pays, up to $400 or more, for emergency care,” Dr. Jay Kaplan, president of the American College of Emergency Physicians, said in a statement. “It might as well be $4,000 for some people. 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.”
According to the poll, 8 in 10 emergency physicians are seeing patients with health insurance who have sacrificed or delayed medical care because of high out-of-pocket costs, co-insurance or high deductibles. This is more than a 10 percent increase from six months ago, when emergency physicians were asked the same question.
In addition, Kaplan said that health insurance companies are creating narrow networks of medical providers to increase profits, making it more likely that patients will be out of network. They have created a situation whereby patients are receiving additional bills from medical providers.
“Insurance companies must provide fair coverage for their beneficiaries and be transparent about how they calculate payments,” said Kaplan. “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 [The Emergency Medical Treatment and Active Labor Act] to reduce coverage for emergency care knowing emergency departments have a federal mandate to care for all patients, regardless of their ability to pay.”
When plan reimbursements do not cover the cost of providing services, physicians must choose between billing patients for the difference or going unpaid for their services. The vast majority of emergency physicians and their groups prefer to be “in network.”
According to ACEP’s April poll of 1,924 emergency physicians:
Health insurance companies have a long history of not paying for emergency care and of actively discouraging their customers from seeking it, ACEP asserts. For example, United Healthcare was sued successfully by the State of New York for fraudulently calculating and significantly underpaying doctors for out-of-network medical services. United Healthcare used the Ingenix database which forced patients to overpay up to 30 percent for out-of-network doctors and then paid the largest settlement to the state of New York and the American Medical Association, part of which created the Fair Health database.
“Just because you have health insurance doesn’t mean you have coverage,” said Kaplan. “State and federal policymakers need to ensure that health insurance plans provide adequate rosters of physicians and fair payment for emergency services. We encourage all patients to investigate what their health insurance policy covers and demand fair and reasonable coverage for emergency care.”