29 March 2010

Insurance Reform, Part the Second

The insurance companies are already trying to evade key provisions of the health insurance reform law passed last week by claiming, why no, it doesn't say they have to give coverage to children with pre-existing conditions.

More details from the interviews with the heads of the insurance companies in the Times.

They can't cut a child from a policy, they say, but they reserve the right to increase premiums. And they don't have to give a policy to a new child.

Once again, I'm lucky. My insurance company didn't deny coverage to The Offspring when he was born with a collapsed lung. In fact, I have no idea how much it cost for the two days he spent in Intensive Care. (Lucky, again, that it was only two days.) They didn't cut him from my insurance policy when he turned out, two years later, to have asthma. (They have been raising premiums, though.)

But health coverage should not be -- can not be -- about luck. It needs to be about policy, fairness, social responsibility to all members of a community, and not just those with good jobs or good unions or good inheritances.

Oh, and that bill from that doctor who was out of network, the one who cured "the itis" but charged $425 for a consultation? I got back $48.48 from the insurance company.