Insurers Are Forcing Emergency Patients To Gamble With Their Lives By Self-Diagnosing

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Newsweek —

In a disturbing healthcare trend, insurers appear to be trying to scare patients away from seeking emergency care by denying coverage retroactively if the insurer—after the fact—deems an ER visit was “avoidable.”  This type of dangerous insurer policy —which can leave patients on the hook for thousands of dollars in medical bills—defeats the basic purpose of health insurance and violates federal healthcare standards.  This must be stopped by lawmakers at the state and federal levels.

According to a new report by healthcare advocacy group The Doctor-Patient Rights Project (DPRP,) insurers are exploiting language in the Prudent Layperson standard, a provision in law that requires insurers to cover emergency care, to deny patients’ emergency department claims.

 

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