Insurance Termination
Healthcare United is dedicated towards fighting an epidemic that's endangering care for patients across the country – called "rescission." That's the fancy term for insurance companies canceling coverage for our patients, often just when they need it most. In many cases, patients contend that insurance companies have done this to them for improper reasons or because of some bureaucratic loophole. In some cases “rescission” may be illegal. In all cases it's tragic – and it's wrong. As individuals, we may feel like we have no power to fight these big companies. But if we act together, we do.
Professional care givers, folks like you and me, are pushing Congress to defend our patients from the big insurance companies. We've launched an emergency national petition, demanding that Congress hold immediate hearings to expose these "rescission" practices and pass tougher laws to protect our patients in their hour of need.
Maybe you've had to tell a patient the heart-breaking news that their care can't be continued because their insurance company just cut off their coverage. Yes, they've been paying premiums for years. Yes, this may be the first time they've actually needed care. But the insurance company found a mistake on their application form years ago, and so now they're cut off.
If you've had that conversation, we're sure you understand why we're working so hard to stop this awful practice that seems only to be getting worse.
According to a recent article in the Los Angeles Times, Health Net was paying its senior analyst in charge of cancellations bonuses based at least in part on how many patients’ policies were cancelled (1).
Blue Cross of California recently sent a letter asking doctors to turn in their own patients for any application discrepancies that could allow Blue Cross to deny coverage. Thank goodness the doctors' association opposed Blue Cross's effort and asked the state to intervene (2). It shows how important it is for us healthcare workers to stand up for our patients. And it shows that when we do, we can win.
We can't beat the insurance companies if we fight alone. But if we come together, we can get Congress to hold hearings, expose these practices to the light of day, and then pass the tough new laws we need to make sure patients who do their best to follow the rules get the care they need when they need it.



