Reply #38: my questions are how and when we will fix it, not what is wrong with it. [View All]

[unapatriciated]

There are many however who are unsure as to a how all programs in this bill will apply to them and to mock them does not help.
I was glad you posted the various phone numbers where he could find help for his immediate situation but thought your little cartoon did little to address his problem and was only used to hurt.

I have been involved in HCR in California from 1990-2006 (before I moved) regarding the problems in the states regulations on pre-existing conditions and the Fair Claims Practice Act.
Blue Cross, Atena , Cigna and others ignored the regulations, California ignored the problems and complaints for years. This created many hardships for families who thought they were covered.
When the state finally addressed the situation the Insurance Companies tied it up in court for years and then only paid a fine that was a fraction of what they gained in profits for more than twelve years ignoring the law.
Regulations are good but if you do not have strong clear penalties, you will have problems.

You can not introduce regulations and penalties through an EO that is done by amendments. Which is why we can not relax until we get this done.
I was glad that the Insurance Industry showed their hand so early and even happier with Obama's response. But we still have to fix it and 2012 is not that far away.

There are no real penalties in this bill regarding the Insurance Companies ignoring the regulations. There is also language that reads very similar to California Regulations allowing the Insurance Companies room to question and tie it up in court.


I did win all my battles with Blue Cross and later Cigna regarding denials and reviews without going to court, but the delays in care for my son had a price for him as well as my family.
I'm sorry if you misunderstood on what questions I have regarding this bill, but again you use belittling language without knowing what I have experienced and done in regards to HCR.