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Saturday, October 21, 2006

 

Legal, but is it ethical?

Sometimes life is not fair. Everyone who is breathing knows this fact is more than a truism.
A young person who is very close to me is going through quite a time lately. Through no fault of their own, both she and her husband are out of work. And they're pregnant. The industry they work in took a nosedive and they, unfortunately were just a small part of the casualties.
Finding another job when you are six months pregnant is simply a task that is for all intense purposes, a futile exertion of energy. Her husband is having just about as much luck. Hard to find a job in your field when everyone is getting either laid off or the business shuts it doors.
What makes this worse is that they obviously cannot go without medical coverage. They tried to get medical coverage from the same company their former employers provided privately but were turned down because of a "pre-existing condition"-that being the pregnancy! So they signed up for Cobra. Extremely expensive, especially since all the money they have coming in is unemployment.
As if things couldn't go any further down, the health plan called her up to inform her that the company they used to work for had gone out of business and were no longer paying their minute part of the cobra payment, so as of the end of the month they were cutting her off! If she wanted to keep the HMO, they would grant her a "special" plan (instead of turning her down, again) that would cost $200 more a month, her appointment fees would quadruple, and when her delivery time came, they would have to pay $2,500.00 at the hospital and then $200.00 a day until she went home! The supervisor she asked to speak to told her that this was more than legal and referred her to the book she received when she signed up to read what rights she had and what rights they had.
After reading the brochure, it was indeed legal for the company to treat her in this way, but does that make it ethical?
First: why would they want this type of publicity? There have been more than a few HMO's lately in the news that have been getting quite the trouncing for cutting their clientele's benefits off as soon as they had a health problem. This, in fact, was one of the companies.
At this point, instead of doing the "legal" thing, this company should be bending over backward to try and gain some good graces back with the public!
Some other points to include in this situation: The young, pregnant woman has been with this particular company since her inception, she's never been with any other health agency. They have seen her through her entire 24+ years. Do they not think they have some moral obligation to see her through what is more than her hour of need?
How does a company that is supposed to care for you medically decide to put you under such stress during what should be a wonderful time of your life? Are they even thinking what the publicity would be like if she miscarries due to this extra stress?
Yes, legally health agencies have the right to terminate your coverage, raise your rates and change the benefits they provide-they are a business and they are not non-profit. However, they are in the medical field-doesn't that mean they should have to follow the rules of the profession? One of the major points of the Hippocratic oath is: First do no harm.
This HMO should remember this point.

Comments:
Carine,

That is just horrible. How the higher-ups who run these companies sleep at night is beyond me.

I know that due to pride, a lot of people don't want to get help from the state, but it sounds as if they might benefit from applying for some kind of aid. When I was a single mom, I applied for low-cost health care for my kids and received it due to the fact that my income fit within the margins of qualification.

Good luck and God bless them...they sound like they really need it!

Take good care,
Lisa
 
thank you lisa, I will pass along your support. Unfortunately, b/c of the amount they receive from unemployment, they still earn too much for state aid! figure that one! Fortunately, one of their relatives is a lawyer, a letter on attorney's stationary will hopefully help!
 
Best of luck to the couple..this is not fair at all.. i do not feel that the health coverage in the USA is fair..the cost is outrageous and makes no sense.
 
Ah Carine...my pet peeve, the health insurance racket. I cannot say much more than this, as steam starts billowing from my eyes, nose and ears.

Glad you wrote about this chica...

Ciao...
 
Teri and Lisa,
you are so right. I personally am glad to say, so far (even though I have the same HMO as this young couple)that they have taken excellent care of my family through the years, which makes this ever so much more frustrating to hear! Why care for only part of the membership when we all pay?
 
Hi Carine. I saw your post on SL, but I can't find my post or yours on your blog. Mine was there last night, but gone today. Anyway, I'm glad you got my note. Sorry we can't pm, but my e-mail is gingersnap1313@hotmail.com.

gingersnap
 
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