Aetna, WellPoint refuse payment for serious errors
As expected, large private health insurers are beginning to follow Medicare's lead in cutting off reimbursement for care resulting from serious errors. Aetna and WellPoint have begun to include provisions in some contracts that they won't pay for (or let patients be billed for) care related to 28 "never events" compiled by the National Quality Forum, including the death of a mother in a low-risk pregnancy, leaving instruments in patients after surgery and using contaminated devices. Aetna is including provisions in contracts with hospitals which bar payment for all 28 never event. WellPoint, meanwhile, is starting on a more limited basis, refusing payment for four of the 28 items in the list for insureds in Virginia.
Aetna and WellPoint aren't alone. Other big insurers, including UnitedHealth Group and Cigna are considering moves, as are all 39 members of the Blue Cross Blue Shield Association. Meanwhile, hospitals in Minnesota and Massachusetts have voluntarily agreed to not charge for all or at least some of the 28 never events identified by the NQF.
To find out more about this trend:
- read this piece from The Wall Street Journal
Related Articles:
CO hospitals consider waiving payment for adverse events. Report
MA hospitals forswear payment for preventable errors. Report
By 2008, Medicare won't pay for hospital errors. Report
Business say 'no pay' for major mistakes. Report
Study: Wrong-site surgeries, close calls are common. Report
Comments
Wow! Commercial healthcare insurers finding yet another reason NOT to pay medical bills.
Will wonders never cease?
Howard
Why should Health Insurance pay for doctors messups. That is what malpractice insurance is for!
Insurance companies that don't cover risk...are not insurance companies. The industry which prides itself on pursuing "affordability" is in fact pursuing profit. The US consumer is not stupid enough to believe that insurance company promises that the expense cannot be sought from the insured will protect the costs of the exclusion from being passed on to the consumer in the form of higher overall costs for hospitalization for all patients.
The policy is a business version of the infantile technique of putting their hands over their eyes and saying "I know you're not there."
Remember, this same group seeks limits on malpractice awards for patients injured through some of these "never events," in order to make malpractice insurance more "affordable."
Leaving consumers to carry the cost and the risk not only for their own health and mistakes but for that of their medical services providers.
Insurance companies exist because they are the current vehicle for individuals to obtain help in paying for the cost of medical services...as they chip away at this role, through steeper payments for less coverage, they are making themselves obsolete.
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