Covid treatment in ICU. (Francine Orr / Los Angeles Times)
At least some health insurance companies began charging their policyholders the full amount of their deductibles, copays, and coinsurance. Other carriers are joining them, even as a pandemic continues to ravage their policyholders with illness and, in some cases, death.
When the pandemic began a year ago, these same health insurance carriers voluntarily waived all deductibles, copays, and other costs because people who fell ill with Covid-19 had enough to deal with, what with hospitalizations, doctor visits, medications, and other treatments. Then, it was good public relations for these carriers to waive what they call "cost sharing."
"Cost sharing." What a polite way of saying "You got Covid, now pay for it." What was put into place with great fanfare is now done in silence. Most if not all of these health insurance carriers are secretly ending their voluntary waivers of cost sharing, and many have already done so. What was good public relations in the sunshine, is taken back in the dark.
Except for Covid tests and vaccinations. They should still be free to people, because the federal government requires that these costs be free.
Some people think it's wrong to make a profit off of other people's misery. The insurance companies' profits are going through the roof since the pandemic began. They can afford to pay for Covid treatments; Covid patients, not so much.
Still think insurance is boring? Catching Covid? Pay for the full treatment on top of being hospitalized and treated for Covid? People can EMail, write and telephone their own state's Insurance Commissioners. Let them know that you know what's going on in the dark, and let them know if you don't like it.
Let them and your federal Representatives and Senators know, too, if you want the federal government to require the costs of treatment to be paid by you or by your insurer, or if you want the costs of treatment for Covid to be treated (pun intended) like the costs of testing for Covid.
Please read the disclaimer. ©2021 Dennis J. Wall. All rights reserved.