|
|
 |
 |
 |
|
|
|||
|
||||
|
||||
FW: [hybrid politics] Fwd:Some Insurers Denying Coverage ToFrom: DuBose, Terry (DuboseTerryJ@uams.edu)Tue Jun 3 11:30:38 2008
Content-Transfer-Encoding: 7bit FYI. Terry J. DuBose, M.S., RDMS, FSDMS, FAIUM Associate Professor & Director Diagnostic Medical Sonography Program University of Arkansas for Medical Sciences, CHRP 4301 West Markham St. Mail Slot #563 Little Rock, Arkansas, 72205 USA 501-686-6510 or 501-686-5948 DuBoseTerryJ@UAMS.edu http://www.uams.edu/chrp/sonography/ http://www.obgyn.net/us/panel/panel.htm http://www.io.com/~dubose/ ---------------------------------------------------------------
--------------------------------------------------------------- Subject: FYI: [hybrid politics] Fwd:Some Insurers Denying Coverage To Women --------------------------------------------------------------- With Prior C-Sections, New York Times Reports DAILY WOMEN'S HEALTH POLICY REPORT PREGNANCY & CHILDBIRTH | Some Insurers Denying Coverage To Women With Prior C-Sections, New York Times Reports [June 3, 2008] Some insurers recently have denied individual health coverage to women who have had caesarean sections because such women are likely to undergo the procedure if they become pregnant again, the New York Times <http://www.nytimes.com/2008/06/01/health/01insure.html?_r=1&adxnnl=1&adxnnlx 12418929-+tDpTz3jHFJDfsA71Bm5vA&oref=login> reports. It is unknown how many women have been denied coverage because of a prior c-section, but the number is "likely to increase" because the number of people seeking individual health insurance has been steadily growing, according to the Times. The proportion of births delivered by c-section was at a record-high of 31.1% in 2006, with more than 1.2 million procedures performed. According to the Times, a c-section on average costs about $2,700 more than a vaginal birth. Researchers estimate that about 500,000 women annually who undergo c-sections have previously had the procedure. According to the Times, women who have had a c-section can safely deliver vaginally later, but many physicians have begun requiring women to have c-sections because of a small risk of uterine rupture, a potentially fatal complication. Pamela Udy, president of the International Caesarean Awareness Network <http://www.ican-online.org/> , said, "Obstetricians are rendering large numbers of women uninsurable by overusing this surgery." She added that women feel pressure to have c-sections that they might not want or need and then be denied coverage for the surgery. Susan Pisano of America's Health Insurance Plans <http://www.ahip.org/> said that insurers' rules on c-sections vary by company and state, depending on state regulations. She added that some insurers do not factor a prior c-section into coverage decisions, while other insurers consider it a pre-existing condition. Some insurers include a provision that states coverage for a c-section is excluded for a certain period of time, according to Pisano. She said that insurers who do accept women who have had the procedure typically charge higher premiums. According to the Times, some people familiar with the "rough and tumble world of individual insurance" said that insurance companies' practices in regard to c-sections are "no surprise." Insurers "say they need these strategies to protect themselves because some customers apply only after they get sick or pregnant, skewing the pool toward people with high expenses," the Times reports. In addition, the Times reports that insurers "often accuse women and obstetricians of scheduling unneeded caesareans for their own convenience -- to deliver the baby at a certain time or to avoid labor." The article profiles Peggy Robertson, a 39-year-old Colorado woman who was denied coverage by the Golden Rule Insurance Company <http://www.goldenrule.com/> , owned by UnitedHealthcare <http://www.uhc.com/> , because of a prior c-section (Grady, New York Times, 6/1). Confidentiality Notice: This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message. R0lGODlhxwCHAPcAAAAAAP///6ZFSadGSadGSqZGSdtiZtxjZtxjZ9tjZqI5QKE5QNpVXtlUXdlV XdlVXqE4QKI5QdhGVdhGVtdFVZ0qOJ0qOZ4rOZ0rOZwrOdU0TtU1TkpDRFVOT1RNTl9YWWtkZWpj ZHdwcXZvcIR9fpkaMZgaMZcaMZkbMpgbMkA6O0lDREpERVROT19ZWmpkZXZwcYN9fpKMjZGLjKGb nJgZMZcZMZkaMpgaMiMeHyQfICwnKC0oKTUwMTYxMtUeSNQeR9QeSNMeR9MeSNIeR9QfSNMfR9Mf SCIeHyMfICQgISwoKS0pKsC8vb+7vNLOzyIfIL+8vSMeICQfISMfIeXj4vLo5PPo5Pru6sC9vL+8 u/Po5fLn5PHc1+rX0vru67Csq+PHweLHwerW0urX0+nW0lRPTlNOTfvu6/rt6rGsq925sty4stu4 svPRy/TSzPPSzOPHwvbf2/Xe2vfg3PXf219ZWHdxcHZwb9Cclc+blM6blNaqo9WpotWpo9Wqo/HF vvHFv/DEvvDFvsKBesGBesiNhsiOh8+ble63se64se64su23sb52cL12b8GAesKBe+eemMiNh+qq pOqqpemppOmqpLZpZLdqZbdrZuSIg+WSjeSSjeiembJeW7JfW7FeWrBeWrFeW7JfXOF8eeSHg+OH g+WSjuSRjaxSUa1TUqxSUqxTUt5vb95wb91vb+F7eeF8euB7eUA6OjcyMjYxMSwoKC0pKSIfH1VO TlRNTUlDQyMgIEpERD86OkA7OzUxMWBZWV9YWFROTlNNTTYyMklERF9ZWV5YWHdwcHZvb2BaWmtl ZWpkZIR9fXZwcHdxcWplZYR+foN9fZKMjKGbm5GMjLGsrLCrq6GcnKCbm8G9vcC8vL+7u7CsrK+r q9LOzr+8vOXi4tLPz9HOzsC9veXj4+Ti4gAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAACwAAAAAxwCHAAAI/wADCBxI sKDBgwgTKlzIsKHDhxAjSpxIsaLFixgzatzIsaPHjyBDihxJsqTJkyhTqlzJsqXLlzBjypxJs6bN mzhz6tzJs6fPn0CDCh1KtKjRo0iTKl3KtKnTp1CjSp1KtarVq1izat3KtavXr2DD5oTDaNMrAxOE EBHCdi1bCgZaoeoCaVQqVavu5k2FiZAeNlvE+nyz6YAGI0KKsFVr5MhiIhJgdRJE0A+mBSlw4DBh w8SNzidMVBBFiI1gm4tgaVjceLHa10IedHqzUIyjCyZwlMi92YTnFCYsjNIT+HRLOaYmuEXsevER IhQ61YnIJ9Tu3blNAL+B44Z2UX+Mp/8U5MoxWyDPncOGBchimUYYcp8APn/+Zu8RIHERP3KQASHp qbUWEeaxtYEpc2h0hSQRhOabdr71Nh8G+vHn0RsHwObYcwMutsEmaHwkSXw33IDdg7qZcAKFxVl4 ERqmqFUgbM2ZkoZIW0ByA3AQelcCcD+agIEeLlrESFqPOUYEc4u1IodJcbBiQgm9+eYdj56t4kWR EcHYnGtMCqFBIipJcsFuvaXgXXahZWAIlw698cCXHbYlhAN0sETGABGGtqaKvtlgwyctwnmQJas9 ZqdrRMTyxUuYVNmdfA/6VkAchh60iVt0IqaYEJvItMeaJnL3YAqhpYBBG5kSRAqBQvz/8CWjltC0 x31AolipCUS2SoprMyoqxCQ26bGrZ6dWiUimsAhhBBFFKAmgjERUW+tNeRx7Qw1XPnhCr0U2O6uz 5q1FbE57qInin7s5uKyLrx4RrJKKOYYKT3qgsFkKKZTgoHa94RAef5NM2xysrpHiEyYRavcnDlhi EIZ4gbBVLrBrPfcAUAU4GHClu9mwQKFgoaGBvDO6hbAEN/50xQWmmngCxCCfsMppCFwMpmNBAAiH UH/s2hsKKGTnGyGCDTJIIIAEIojSTTvNtCC03VSON9gkFEYbXLPh9RpstBE2121MDNQ42HgjTk/h 3EGDSbskkYRWz+iARNYHlfMMNTIt/0EFElqU1IvcWiWDBBLeIGQLElPwnRI0exMkdxLZCK7D3I9H zhIMUyTxDUJLJIGEDCpRkUQvBGljzDMmDY45SklMYUxLMPyd+EHZrBDCSnKjzlIvvCChkty7tPSM 6Ldz1MwuzXizQhKzHGMOQdaYUUsSu9gxjkC77IJEEksY08sMAbxgTPEDjQPC4Cogg7dAzOxiDDfD LFHMMU8MdI40s4h+CzLkGEgvdIALhHCjezNQ3S2K0YFrEKQK0/DF95YwDG4M5HzN2EYHsNc90S2B A7vg2y5WEA1txG0Wz1gbQajRCx7cYhhvG8gIQ1ANYyChF2ubBgeQ4ANifC4Ax0uCNv/scAtbECML A2FGL3xXjl4Yoxx4iJsKjhFAgwyuGHJDAi5w4YuBCCMJUNii3JZwjgDwAgrfSwIuksA67xVQIFqw xeTSeAwByo0HWURCD8oYAGJ873B35KMxLoeQb8jtFllcYxIcF4AWaBEJlwNfFbXog8XZLYuiUyPr vifHNCZhdgKpggoyKTpcNGMgh0Ok6GZnQ08KMQCGQ8ItcpBGW2wvAMbAhfAC8I3D+aKUHgxcQbwn t2Ecg5aeE0gLj6ENbHjge6wzRi6TwINd9IJ0rhPIOFRZi2j8Io3O4N7kjAkFNU5DmcCYBjbCcQzR hROXoiskGuXmi2ZcT27gEIgxauH/DDBw4wVSYKNA1JgEKtgBGsjo3gStyTdAIsEMxsikBQPAgoLe ARsyuJ4UyiGQzvlyBdrgxvdmIQNmIGEYZTze91TQjCUcjhni3KU3lJBJY4YuCbbg4wW/pw2BBGON rAuANnQagP6BMgCiQ58+1yiQZiRBCsIYCDUCWoyYQkMg0NCkQHpKEB8kgRjKJNxBsBE8XFhjIMiQ GzK2WhCjCkSRMShIEnRwVKQe7odpTYI0AtCNw61VIORIQg6iMVC5MdIba1yGQMIxkGQUc6vEE8jz MKcGSNpiGwI5hwoCelaCZBOyuAhqAKwhDGMAY65IUKpgfafM7+lzClAg6jB02Y0A/wxuCnwEQw5w kYzMxmAXnfwe+j5rEGwcDqz6kwISQLk/Y+BRbrhYwUB14AODyK2uoquuQGYgN9YF0Re9WEEv4nZD gRzuFwQR6QSHIQM+ZhUJP0TqJ1uLOWxodSA0kNspPauENwYAG0ANwDn6F0nGzde8pyPILnKAubj5 VyDHg0LWyEsQKCiBdZpNoyKnMFxdIuQachuBXFMbgCr8IpJys5vvIluQwylVvko1rkCPp8s5JhXB rIWfhnFxWSCK7n3fA2UvDicQGb8vAOKQm3QJEtHXeaO7AZgGPUMagCAPJKA5HtwubYiL/Anwe/kc 8uuqLNAXyM0Dt1ulMgOKEG9Yef8g4IjsM8o5jB/e2K5LlhwS8mzXo8pYxFI+6TMgBw1o3KGzgq0r YGeAjOeCNYjxtRv6nrdLQyZhvwLJhulgMEyxBuDJMxbdD8GxRtXy0LPxBOJ5+UgNuVU1ABRGZRKu 2uRbyhh9u/DwQUC9SIGIwxc0hWnckjDRcLBYzQUptZ5ZMBAZ9zawuGDtOY7BWAS/OADc4Oo5Ivve 5L3ZwQIxpCzxNo7r6YB8CtZ1AMAgNxEEABrf84U2nHFPZgtkFi4+xlkX/MZzLI6avbhnEmI4bIJA MwAmxcUskvGC5+La0wWxdEFnYYxbaNEW+TMzEn7B8NDhApRI4EWOEZyEYyCDfN//Yy02GHzVPu4W hcyQ4xJqG4ByvjgLTLj0N86gVh8nAcgkhnWq2S03KKhg2EnQroKJHO6Dk+MWl/seLq7HWsfuNgnK EPrrwoFISGYS3bZNtXmRcNWnT4FxULBfDnxH3IIYFwkq+KMul9DZcyyBwR4ERtALeu0ADIOUrFvt QJ6MhKCe4++urGNh62oNUk4wn3dAQg7i2zt9qlEg7MbFTSe3BI4WRAaDHgg5lAENvIEjGktERjeo oTkIi88YDmS9aAUsjRVIMxq3FIgMIEeQZ8AAb/sL7zPOAXp0z+AZsycIqEuPjPCCIPe0d+IzxnF8 dCO/swQ5BzOkaYzEJQMajBwH//KP7A1kSPMYR1ZGMkhHkHCgfoTTUCE2RjD9gTwjGY6bwR2C6uZZ U2MY8gMD05MVlsZpXoENVIALLecVlpZ8WkF4DqgV4haBWNGAYGFfs/YVICZQDnEOdoALDNZbSiEO 2HAN+VQR5PANR7YQLaVGmNYR3LBE2LcQ54A1VdQQ0bBGDDaDX6EFpzU5L4gQM5BGSCBiGxFRqPMN 5cQ6MrAEt8BVGsEEh+MM2OBlYEEOLqVGaUSBMqRJabMRAKZF2GCBQ4YEyKUR12UcI1BOv6ANx5MD S7AQPoALwOARdocEZNR/WZcM5VQ5GyE6fBYWxFRtNjRmBwGIH1EF31BGTwYFd/8gENswURkBBkq4 cSqofM5ADZIoEN7gDbXlDc9wgwL2Dd+AWb6GDdiARJk1hrnHDTKgTgVxNUjEDc+gDbc0DtYgDdXm dtOgDaIYDt9QW90ADbaIEM+wRVdVWdCTEFgjN7MwhnyUBaiIDSoUACmYOORgDdbgeeegDTAQX5/m DRaEWKEVAODwDdcwgKdYiydIEN/gDNmwiQMBXZm0S9PgUoeDBMUQX7r0C6OUgQPxBHJjC/YnOujV VIdTOVpQDER4C+8UdirQZDhlDcyQRUrwVwKRDDuQA3hHDFUgWTe0AoqUBDyoTQSFDIq0gpKDSYKF DeUwSmmUA0H1DFLQOGAkOsj/wA0WJ3nAMEkJhoGs020DAQKldDgvMBDaEDrldENEJV9JQFPxFA1I 8DeiQ0DJJF/5iHXDxAtJEAX3Jjc5cEunxQSfdkmkdGlhtUZSh4eAVE5JwH7NsFBddwaSNTmi8z1Q 0I4E4QyKhAQ8EEMIkUeHM3nPEG+FiAQ9lQxqCZYeNDmmowvTlYRrdFUisEY/1GTAsAJLEEZl5zdJ cD146IeDZ2m/QIrgAEjJQA7lMAwcSQsCEUkqQAMuWRCNh5bblkl7dZq4EFU+cDjDUA7gUJiXsz3G UE4qwA3lAJo8YA3icAzfA1b2dVK+9kxJUFvD9gvb0AS1UE5gJ1WhI3lI8E40/7lxboeBvjCGVQA5 VRQOLhVVMMBJtuic34MM4FCbuwQFOlA8vSSTqvZzAdBqSKB45yBBSCAOvWSbxCCP83hgygBlXeif gYQQ5kBL1VWbLoU6JEBTKqhsBSlQEYUEfBRERylgLoZw30MNqKgGMaBLVzU4uMBqcrOAW8WV2CNY bxlY30NzcrV2BUEOnfgNo4Q6jjU6AhFnp7ZUICpfSQhleHA4WUMM5TSGpOhUnoOBv6CJCpGGFCU6 0DcNh7NXaqRoBfF3SUAOfzcLH/A9VWBDtTBaosN+2mRlcaN0hiMFgAmCqNMLtDSShwMFbaRFA6EG opN893ROrTZXp4ULWXcQJf9aZCrQl5VXmEngbdhjf9+TNWkoY96FPAHQm38ESIN6DjtASrWwqAbB YKAUUVNghVF2OOSjRn1HPbpEAnjUi3JDAkYZADIgN3slekq2pUfVpJM6jyTmRjX5RwH1iGI2EBOY fa5mf8iUBF0UmOUVAOGQRrXQC7lQC+UVRO+DbD6XNd8jXb2EC3gQrgGgd4wpOrTEOuCADD/4PSVp V74DDbjgpwSBb8QmX2JKEOJwU4cTQLagA3eHC0hkbEmgAgShmFTwp0cFAz+2oKhTkTlwZDeYa68j YzIaZ3LzkWn5StRar99DAgMhR8XDh3czj9HVWBFLBVJQPNHJaVk1rLnwPTr/VQWiqE2S2q+wGqdr 5D40sGBIUIcBsEaBaBAuQFN0KBB2kEmuKRA+gEa7oA3e4JxcKnSsBWnzyKM4OguB8wSs2atl2Gxa JKMBAJrG8ATkkHBrtAMKOlDLlZHfc04B4Aw252PwtaB5prWHQ66iQ5kElDjaIDe/EEDgMAu2wFV2 YAxlpAV31mKVKhCttpiHwwSmKGkLkV/fM6JZoJaY5gQ8IHVzJTedFTdKpVKUij6SSkv9NQWzsDax 9l86AAXuRj0ExZLkxQPVuJKgZA2K9As9kEWz460Lam94CwZK+l+S11sQ658B0LRr5JZJgF7HWE4s 8EdwanBJwGfZcD01tgu7/5hyDPFcptiparSL1op0uFAMgImEBZmycKtU2aB3aWQHfMQC5cSsWySC BDEDoRNJiVtUNKUCTcmvA/ECaBRko1Q87/WtuKBUI/A9nxNQswOUQLRG7/MMAHtpZXQO5CU6tsCF CFEOKqiXIZGC1/C2E6EFqAh9EvENkAOOEXEOqKjCIeENKtiU4ICKydMqPvzDQBzEQjzEFjIGhEAI kJDEj4DEkFAIkIDEhGA2PEEJm3AKm4AKnIAKVazFVswJ5+IiqWAlRtMwvlEBJHMTbnAEQbAcNOIW isAlXhAf2eEd3vEvJvAJPMEAjOEc1VItbNEKhqIH+2IiyKIrJnAIOhEjn/9iMIuyASFiKJnQHWji I5rBGyYgxTWhCBajIXbSM1WTKQLwICWCJYAiJFZgE2+wGn5sHkDwGvJSCT+8BXJ8LN3BHTgwAGfs El/QALPix26hMEAcBrihLioyMyXgHZuBxzPxAECwFq2xyIvhCkMcBxfQLzQjxirSL5ggE6RgBENA I4jBKQ/wyEIcBhmgHTwiKci8zS/xK5xSBH78GkbwAFhAxAIRBnIMMakyJbvhHezMEq+yyRZTLUCA GAhAzvYcBhEwJd6SGZ4xyv+MEmhgAAgzIwUCzPZMEFdAAMfyIP6yGQVwyifhBnqsGJxSJ0LACRmN EJgQJL7BLzjwLzgQAZj/LBKRsAECMiBu8RxGoAGLsNIJ4Qe4sRndEdMn8CcmgDQigQavYCcnzSkG 8CRAnRBjoAolQCUNsx2ecQIRYBofoQgbsCTT4szOsQGRMNUNsQcYABxqsib7PCWqgCkbIQcI4CzC ghhK8gpSjdYMkSNFgx1VUikngAlbchF14M6soTJHMAREkACDwNcRMQYMM8bYQR+bgQleLRFy8CuM Yh49sxYG0B6QPRFcQAgQQCmasRmhERq3rAf74RCA0NSMQiOOIQuUMdoX0Qeg4CBt7RsnIiSZ4AcK IQeRQAHj4hqvMAkIjdsXwQV9cAkKkAIo4CAuDRw4gAGiIAmsIhBoMAkJZTDWjNLMD1AKi7DczM0R XvAHkOAJqVAB/6Imm4EBqfAJh+AGmmAA+J3fCJAApHAKlBAI5x3gAj7gBF7gBn7gCJ7gCr7gDN7g Dv7gEB7hEj7hFF7hFn7hGJ7hGr7hHN7hHv7hGB4QADs
|
|
Return to
|
Mail a New Message to the Forum: ultrasound@obgyn.net Forum Administrator: terry.dubose@obgyn.net Report Technical Problems: webmaster@obgyn.net Last Updated: Wed Dec 2 05:33:34 2009 |
The American Medical Association is no longer designating CME hours for AMA Category II CME credit. However, physicians themselves may self designate learning activities as Category II CME credit hours if they feel it is of sufficient educational merit and meets the formal definitions of continuing medical education. OBGYN.net believes these interaction in this forum meets these criteria. For further information see the AMA web site.