Give me healthcare or give me death
Patient-doctor confidentiality is practically inviolate. Even the most avid of paparazzi had to rely on Britney's parents, not her physician, for the scoop on the pop star's current health. But Blue Cross, according to today's L.A. Times, apparently has no problem tipping over that sacred cow:
The state's largest for-profit health insurer is asking California physicians to look for conditions it can use to cancel their new patients' medical coverage.
Blue Cross of California is sending physicians copies of health insurance applications filled out by new patients, along with a letter advising them that the company has a right to drop members who fail to disclose "material medical history," including "pre-existing pregnancies."
Doctors are supposed to treat people, not serve as insurance companies' watchdogs for the bottom line. So here's what I don't understand: How exactly did Blue Cross of California think that this letter — which basically asks doctors to snitch on new patients — would play in the media?
It certainly didn't play well with doctors:
"We're outraged that they are asking doctors to violate the sacred trust of patients to rat them out for medical information that patients would expect their doctors to handle with the utmost secrecy and confidentiality," said Dr. Richard Frankenstein, president of the California Medical Assn.
Patients "will stop telling their doctors anything they think might be a problem for their insurance and they don't think matters for their current health situation," he said.
Insurance industry representatives claim that sending these letters out isn't a new practice, although prominent doctors told The Times they'd never seen anything like it. And given the controversy surrounding the practice, I can see Blue Cross arguing that this is one way of keeping the decisionmaking process up-front.
Maybe so. But there's probably a more practical reason that this letter is coming into sharp focus now. Sicko, Michael Moore's 2007 documentary on the evils of the healthcare industry, explored one particular corporate sin in detail — the practice of rescission, or cancelling coverage after treatment has been approved. This would happen once healthcare costs had skyrocketed — a company would go back and find some minor discrepancy or forgotten illness buried in patients' medical records, and use that as a justification to abandon them.
And according to American Medical News, the courts recently declared certain types of rescission illegal:
The 4th District Court of Appeal unanimously said insurers have a responsibility to make sure patients' policy applications are complete and accurate before issuing coverage — not after expensive claims come in the door. Judges said plans cannot revoke patients' policies unless they fully investigate pre-enrollment forms up front or insurers show patients intentionally misled them.
When the courts say you can't pull the medical rug out from beneath patients, what's a down-and-out insurance company to do?
Ask the doctors for help, apparently.



The US already has socialist medical programs. They are called Medicare and the VA. If you think socialist medicine is bad then you are saying that Medicare and the VA should be closed down. To be against socialist medical systems but to be for Medicare and the VA means you are either a lying hypocrite or that you are just stupid.
Posted by: Dan Fraser | February 13, 2008 at 12:41 PM
The courts told insurance companies they couldn't revoke policies for inaccurate applications after years of coverage if they didn't investigate at the time of application. The companies are not actually looking for information from the doctors; they just want to establish a paper trail that they did investigate for inaccuracies long before a claim is filed. Why are people castigating them for doing what the court has suggested they do?
Posted by: ajk | February 13, 2008 at 05:02 AM
Patient Privacy Rights has been crusading for years against the diminisment of health care provider-patient confidentiality. What happens with Blue Cross is only the tip of the iceberg. Visit the Patient Privacy Rights webpage to learn what is going on in Washington that could protect or further diminish your health privacy. Visit http://www.patientprivacyrights.org
Posted by: Steve Lilienthal | February 12, 2008 at 09:08 PM
two years ago, i found down that i have a hepatitis B carrier, i apply for health insurance from Blue Cross and Kaiser permanente, they all refused me because they said that i have a hight risk condition. I'm very health, I get my blood test twice a year, and my doctor said, i don't have any sign of cancer, my blood test are good. i mail all the letter from my doctor to those insurance company, but they still refused me. Those Ins company recommend me to apply for Hight Risk Coverage
whoever those company was, i can't afford the cost that they want, it's way too much. So i still don't have any insurance now. My God am scare. Help!!!
Posted by: Thao Truong | February 12, 2008 at 07:17 PM
So... here's the BIG question. Do we keep the Health Insurance sector of our nation capitalistic? Or do we bend over, reach for our ankles and turn socialist on this issue?
Posted by: John | February 12, 2008 at 06:47 PM
"We're outraged that they are asking doctors to violate the sacred trust of patients to rat them out for medical information that patients would expect their doctors to handle with the utmost secrecy and confidentiality," said Dr. Richard Frankenstein, president of the California Medical Assn."
When I see a quote attributed to a Doctor Frankenstein, I hope you'll forgive me for doing a double-take--what's next, a phlebotomist named Dracula?
"When the courts say you can't pull the medical rug out from beneath patients, what's a down-and-out insurance company to do?"
"Ask the doctors for help, apparently."
I'm not sure I understand why doctors would be upset about this. Surely insurance companies should be able to refuse coverage or set their rates relative to a patient's actual medical history. Surely patients sign something to the effect that they've been entirely truthful and comprehensive about their medical histories and something to authorize their doctors to provide this information.
I suspect Blue Cross has contracts with the doctors they're asking for information--surely both parties should be entitled to alter or rescind the agreement within the terms of the contract.
Posted by: Ken Shultz | February 12, 2008 at 06:34 PM