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The Liberal blogs are all a fluster.  I love it!  This has nothing to do with Obama – because they are probably still hung over from the “he got a prize for doing nothing” party.  What I’m talking about is the American Medical Associations report card on Insurance companies.  Ya know, those big baddies that don’t pay for squat!  Wanna know which insurance company denied the most coverage?  Medicare.  The government.

Now I know everyone, even the conservative news, wants everyone to think that the big bad insurance companies are allowed to deny pre-existing conditions willy nilly with no thought to the person and that Medicare must cover all who are eligible, as suggested by the Daily Kos.  Well, that is simply untrue.  Guess what?  There is a federal law (federal law trumps state laws) that mandates that  insurance companies must have legitimate reasons and can only withhold coverage for pre-existing conditions for a specific amount of time.  That little law is something that is well known but this section doesn’t seem to see much public light.  It is the Health Insurance Portability and Accountability Act (HIPAA).  It can be found in Title 29 U.S.C. 1181.

Guess what?  Medicare denies people all the time with no record to be counted in the above statistics.  Medicare is just sneakier about it.  They tell the hospitals what they will and will not cover – including prescriptions – so these are never counted as denial as they never see a record because doctors don’t even suggest these as an option.  I wonder what would happen if those all got counted too?

Oh, I about forgot to tell you – in the denied claims for insurance companies includes people who were no longer covered by that insurance company and medical bills were submitted for dates when the person was no longer covered – happens a lot when people switch jobs and go from COBRA to the new employers insurance.

Now, if you go to pages 7 – 13 you will see why the people were denied coverage.  If you read the reasons you will see that a good number of claims were denied because the paperwork was wrong.  I’m sure many of us have had our insurance claim denied the first times but when resubmitted with the corrected information the claim was paid.  When it came to denying because the specific service was not covered – Medicare had the highest at 20.9%.

The liberals are going nuts because they want the government to take over our health care but all reports are showing that the government is worse than the private sector.  There is a reason why 80% of Americans are happy with their health insurance.  Because we are covered and they do pay for our medical bills.

To read futher on this subject you can go here and here.