Consumers should be cautious when a health insurance agent wants to bundle a bunch of other products such as life and accident insurance with the Covered California health plan. These agents and marketing organizations are more interested in selling higher commission products such as life, accident, cancer, stroke, heart attack, and dental plans than they are health insurance. They may try to convince a consumer to drop the health plan to a Bronze level so they can sell questionable indemnity plan products as extra protection for the higher deductible.
In the last week as I’ve been bombarded with feel-good press releases from Covered California about their grand and glorious bus tour across the state promoting themselves and open enrollment, I’ve also been working with several cancer patients trying to find a health plan. From a person who is in the trenches working to enroll consumers in the best fit health insurance, the Covered California road show displays how their bus has taken a wrong turn down Marketing Lane. Californian’s need help finding health plans that include their doctors, hospitals, and cancer drugs. They could care less about a bunch of people riding around on a bus promoting their selves.
A rally at Congressman McClintock’s (R-CA) Granite Bay office featured Michelle Langbehn, a constituent of Rep. McClintock, speaking on how the federal government has interrupted her potential life saving cancer treatment from the National Institute of Health. Representative McClintock has been an early and ardent supporter of shutting down the federal government in an attempt to repeal the Affordable Care Act (ACA).
The contradictory nature of Washington lawmakers was on full display this past week as they lobbied the Centers for Medicare and Medicaid (CMS) not to cut reimbursements to privately run Medicare Advantage plans while allowing the budget sequester to curtail funding for Medicare cancer patients.