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Uploaded on Jun 16, 2009
Today, the Energy and Commerce Subcommittee on Oversight and Investigations held a hearing entitled "Terminations of Individual Health Policies by Insurance Companies." The hearing examined the practice of "post-claims underwriting," which occurs when insurance companies cancel individual health insurance policies after providers submit claims for medical services rendered.
Robin Beaton testified: In May 2008, I went to the dermatologist for acne. A word was written on my chart and interpreted incorrectly as meaning pre-cancerous. Shortly thereafter, I was diagnosed with Invasive HER-2 Genetic Breast Cancer, a very aggressive form of breast cancer. I was told I needed a double mastectomy. When the surgeons scheduled my surgery I was pre-certified for my two days hospitalization. The Friday before the Monday I was scheduled to have my double mastectomy, Blue Cross red flagged my chart due to the dermatologist report. The dermatologist called Blue Cross directly to report that I only had acne and please not hold up my coming surgery. Blue cross called me to inform me that they were launching a 5 year medical investigation into my medical History and that this would take approximately 3 months.