SHARE
TRANSCRIPT
| TIME | SPEAKER | TEXT |
|---|---|---|
| 00:00:07 |
|
NOW A HEARING EXAMINES WHY INSURANCE COMPANIES CANCEL OR DENY INDIVIDUAL HEALTH-INSURANCE POLICIES.... |
| 00:00:33 |
|
THE HEARING WILL COME TO ORDER. TODAY WE HAVE A HEARING ENTITLE TERMINATIONS OF INDIVIDUAL HEALTH... |
| 00:07:21 |
|
BEFORE I GIVE MY OPENING STATEMENT I JUST WANT TO CLARIFY SOMETHING. YOU INDICATED IN YOUR OPENING... |
| 00:07:31 |
|
YES SIR, I WILL ATTACH THIS TO MY OPENING STATEMENT. THIS IS A SUPPLEMENT TO THE INFORMATION REGARDING... |
| 00:07:57 |
|
OKAY, I MISUNDERSTOOD WHAT YOU WERE SAYING. I THOUGHT YOU TOLD ME YOU WERE NOT GOING TO PUT IT IN... |
| 00:08:07 |
|
I WAS NOT GOING TO PUT IT IN AS PART OF THE DOCUMENT BINDER. IT IS ATTRIBUTABLE TO ME AND THE MAJORITY... |
| 00:08:25 |
|
I APPRECIATE THAT. I HOPE IN THE FUTURE WE CAN WORK THIS THINGS OUT IN ADVANCE AS WE HAVE IN MOST... |
| 00:13:56 |
|
THANK YOU MR. WALDEN. MR. WAXMAN FOR AN OPENING STATEMENT. |
| 00:14:00 |
|
TODAY WE ARE GOING TO HEAR THE RESULTS OF A YEARLONG CONGRESSIONAL INVESTIGATION INTO ABUSES IN THE... |
| 00:19:30 |
|
MR. BARTON FOR AN OPENING STATEMENT PLEASE. |
| 00:19:33 |
|
THANK YOU MR. CHAIRMAN. THIS IS MY MONTH FOR WITNESSES FROM LOT-- WATCHER HANCHEY TEXAS. LAST WEEK... |
| 00:26:55 |
|
UNFORTUNATELY WITH GOOD HEALTH INSURANCE, SO I'M HAPPY ABOUT THAT. |
| 00:26:59 |
|
AGAIN THANK YOU MR. CHAIRMAN FOR HOLDING THIS HEARING. |
| 00:27:04 |
|
THANK YOU MR. BARKEN AND THANK YOU FOR HELPING US OBTAIN WITNESSES FOR THIS HEARING. MR. ENGEL FOR... |
| 00:27:14 |
|
I COMMEND YOU FOR HOLDING THIS ON THE RATHER VICIOUS PRACTICE OF'S CLAIMS UNDERWRITING WITH THE DETRIMENTAL... |
| 00:31:53 |
|
THANK YOU, MR. DINGELL. NEXT FOR A THREE MINUTE OPENING STATEMENT, MR. GINGREY. |
| 00:32:00 |
|
MR. CHAIRMAN, THANK YOU. GENERALLY INSURANCE IS A FORM OF RISK MANAGEMENT THAT ALLOWS INDIVIDUALS... |
| 00:34:40 |
|
THANK YOU, MR. GINGRE |
| 00:34:42 |
|
THANK YOU, MR. CHAIRMAN I.T. GALVEZ APPRECIATE YOU CALLING THIS HEARING TODAY BECAUSE LIKE MY RANKING... |
| 00:37:00 |
|
MR. BURGESS, THREE MINUTE OPENING STATEMENT, SIR. |
| 00:37:03 |
|
THANK YOU COME MR. CHAIRMAN FOR THE CONSIDERATION. LET ME SAY AT THE OUTSET I DO BELIEVE IN THE INDIVIDUAL... |
| 00:40:27 |
|
THANK YOU MS. SUTPHEN FOR AN OPENING STATEMENT. |
| 00:40:29 |
|
THANK YOU, MS. STUPAK FOR HOLDING THIS IN CRITICAL HEARING. INSURANCE COMPANIES PUTS DOLLARS AHEAD... |
| 00:43:13 |
|
THANK YOU, MS. SUTTON AND IT'S A GOOD REMINDER MEMBERS WILL BE COMING BACK-AND-FORTH AS THERE IS A... |
| 00:43:41 |
|
WELL, I WISH THERE WAS A DRAMATIC STORY, MR. CHAIRMAN. ALTHOUGH IT WAS IN A FAIRLY DRAMATIC PLACE.... |
| 00:44:04 |
|
WELL WE WISH YOU WELL. |
| 00:44:06 |
|
I AM GRATEFUL I DO HAVE GOOD HEALTH INSURANCE TO COVER THAT. I APPRECIATE TODAY'S HEARING EXAMINING... |
| 00:47:07 |
|
THANK YOU. MR. BRALEY FOR AN OPENING STATEMENT. |
| 00:47:10 |
|
THANK YOU, MR. CHAIRMAN. THIS IS AN IMPORTANT HEARING AND I'D LIKE TO START BY TALKING ABOUT THE CONCEPT... |
| 00:50:21 |
|
THANK YOU. THAT CONCLUDES THE OPENING STATEMENT OF ALL MEMBERS. ONE OF THE WITNESSES HAD TO STEP ... |
| 00:52:29 |
|
CAN YOU HEAR ME NOW? |
| 00:52:32 |
|
I CAN HEAR YOU. |
| 00:52:33 |
|
GOOD MORNING, LADIES AND GENTLEMEN I WANT TO START BY THANKING THE KENNEDY FOR THE OPPORTUNITY THIS... |
| 00:59:22 |
|
THANK YOU, MS. HORTON. MS. RADDATZ, WOULD YOU LIKE TO GIVE YOUR OPENING STATEMENT -- AND THANK YOU... |
| 00:59:29 |
|
THANK YOU VERY MUCH, MR. CHAIRMAN. THANK YOU TO ALL THE MEMBERS OF THE COMMITTEE FOR YOUR KIND WORDS... |
| 01:03:54 |
|
OKAY. |
| 01:03:55 |
|
THANK YOU, MR. CHAIRMAN. [BUZZER SOUNDING] WHEN I CALLED THE HOSPITAL TO SEE IF I COULD SCHEDULE THE... |
| 01:07:34 |
|
THANK YOU. MS. BEATON, WHICH LIKE TO GIVE YOUR OPENING STATEMENT NOW? PULLED THAT OUT, TAKE YOUR TIME.... |
| 01:07:43 |
|
MR. CHAIRMAN AND MEMBERS OF THE COMMITTEE, JERRY HONORED TO BE HERE TO SHARE MY STORY. MY NAME IS... |
| 01:09:21 |
|
PUT IT BACK ON. JUST TAKE YOUR FINGER OFF. THERE YOU GO. |
| 01:09:27 |
|
I HAD TO GIVE THEM EVERY PHARMACY, EVERY DOCTOR, EVERY HOSPITAL AND THEY THREATENED ME IF I LEFT ANYTHING... |
| 01:14:58 |
|
THANKS, MS. BEATON. YOU MAY WANT TO TURN OFF YOUR MICROPHONE FOR NOW. NOW WE WILL TURN FOR QUESTIONS... |
| 01:16:01 |
|
I THINK IT'S ALL ABOUT THE MONEY. |
| 01:16:02 |
|
[INAUDIBLE] IT IS ABSOLUTELY ABOUT THE MONEY DEWITT |
| 01:16:08 |
|
MS. BEATON? |
| 01:16:11 |
|
ABSOLUTELY, THEY WILL JUST KEEP ON TAKING YOUR MONEY. |
| 01:16:23 |
|
EACH OF YOU AS I LISTENED, MS. BEATON, YOU WERE AND ARE IN, MS. RADDATZ, YOU ARE AN ATTORNEY AND AS... |
| 01:18:19 |
|
MS. BEATON, DO YOU WANT TO ADD ANYTHING? |
| 01:18:22 |
|
I WAS GOING TO SAY THAT A LOT OF PEOPLE IN MY CANCER GROUP GET LETTERS LIKE THIS, THEY JUST GIVE UP.... |
| 01:18:33 |
|
WELL YOU WERE FORTUNATE, MS. BEATON, YOU HAD MR. CONGRESSMAN BURTON TO INTERVENE OTHERWISE YOU MIGHT... |
| 01:18:49 |
|
THERE ISN'T A DOUBT IN THE WORLD THEY WOULDN'T HAVE GIVEN ME THE BLINK OF AN AUDIT IF IT HADN'T BEEN... |
| 01:19:31 |
|
MS. RADDATZ, SORT OF A PARALLEL TO MS. BEATON, IN YOUR BROTHER'S CASE THE ILLINOIS ATTORNEY GENERAL'S... |
| 01:20:19 |
|
IT IS ABSOLUTELY THREW MYSELF AND LIKE I SAID I EVEN I HAD DIFFICULTY FINDING THE OF LEAD. IT TOOK... |
| 01:21:09 |
|
THANK YOU. MR. BARTON FOR QUESTIONS. |
| 01:21:12 |
|
MR. CHAIRMAN, MAY I ASK A QUESTION? |
| 01:21:17 |
|
NO, IT'S MR. BARTON'S UNLESS HE YIELDS HIS TIME. |
| 01:21:20 |
|
THIS IS PURELY, I NOTICED WITH SO MANY LAWYERS AROUND ME THERE IS ACTIVE -- |
| 01:21:25 |
|
YOU SHOULD FEEL SECURE. |
| 01:21:28 |
|
IT'S THE OPPOSITE OF SECURE. THERE'S AN ACTIVE CLASS ACTION SUIT ON ONE OF THE WITNESSES BEFORE US?... |
| 01:21:35 |
|
IN CALIFORNIA IT'S BEEN GOING ON FOR SOME TIME, I BELIEVE MS. HORTON IS A PLAINTIFF IN THE ACTION.... |
| 01:21:43 |
|
THE SWITCH AND DEBATE CALLS NOTWITHSTANDING, ARE WE SUBJECTING OURSELVES TO POSSIBLE SUBPOENA IN BACK... |
| 01:21:56 |
|
KNOW BUT IF YOU WISH TO WE COULD ARRANGE THAT. |
| 01:21:59 |
|
I DON'T WANT A TRIP TO CALIFORNIA, LAST THING I WANT -- |
| 01:22:02 |
|
I THINK WE ARE OKAY. WE AREN'T ASKING FOR THE NITTY GRITTY OF THE LAWSUIT. THIS IS AN INVESTIGATION... |
| 01:22:10 |
|
CAN THE COUNCIL ANSWER THAT FOR US? |
| 01:22:15 |
|
WOULD YOU CARE TO COMMENT ON THAT? WE ARE AN OFFICIALS SETTING. THIS IS AN OFFICIAL MEETING OF THE... |
| 01:22:34 |
|
I THANK THE CHAIRMAN. |
| 01:22:35 |
|
MR. BARTON? |
| 01:22:37 |
|
THANK YOU, MR. CHAIRMAN. AGAIN, THANK EACH OF THE THREE WITNESSES. I WANT TO MAKE A COMMENT ON WHAT... |
| 01:24:15 |
|
YES, THAT'S MY OPINION. I FEEL THEY ASK THE SAME QUESTION SEVERAL TIMES SO IF YOU DISCLOSE IT AND... |
| 01:24:31 |
|
ARE YOU AWARE SINCE YOUR LAWSUIT IF THEY'VE MADE SOME CHANGES TO THAT? |
| 01:24:37 |
|
I BELIEVE THAT WAS ONE OF THE THINGS THEY WERE TRYING TO NEGOTIATE WITH BLUE CROSS, WAS CHANGING THE... |
| 01:24:48 |
|
MY NEXT QUESTION IS TO THE GENTLE LADY IN THE MIDDLE. YOUR BROTHER, HAS HE HAD HIS STEM CELL TRANSPLANT?... |
| 01:24:56 |
|
HE DID INDEED RECEIVE DUSTIN CELL TRANSPLANT. IT WAS EXTREMELY SUCCESSFUL. IT EXTENDED HIS LIFE APPROXIMATELY... |
| 01:26:26 |
|
MIZE BEATON, WHAT HAVE YOUR DOCTORS TOLD YOUR CONDITION WOULD HAVE BEEN HAD YOU HAD THE MASTECTOMY... |
| 01:26:50 |
|
THEY SAY EVERY DAY I PUT OFF THE SURGERY, YOU KNOW, A DAY THAT THE CELLS MULTIPLIED AND GREW, AND... |
| 01:27:17 |
|
IF YOU DON'T -- IF IT'S PERSONAL, IT IS PERSONAL, YOU DON'T HAVE TO TELL, BUT WHAT YOU TELL US AS... |
| 01:27:39 |
|
IT'S STILL UP IN THE AIR. |
| 01:27:41 |
|
STILL UP IN THE AIR. WELL, MR. CHAIRMAN, MY TIME IS EXPIRED. I'M GOING TO YIELD BACK. I THINK I SPEAK... |
| 01:29:06 |
|
THANK YOU. MS. SCHAKOWSKY FOR QUESTIONS, PLEASE. |
| 01:29:13 |
|
THANK YOU, MR. CHAIRMAN. AFTER HEARING THE TESTIMONY I WANT TO THANK THE WINNERS IS MORE FOR SHARING... |
| 01:30:03 |
|
BECAUSE WHAT IT ALL STARTED WAS A RED FLAG IS WHAT THAT MEANS IS SOMETHING SUSPICIOUS SO THE RED FLAG... |
| 01:31:50 |
|
NOTHING WHATSOEVER. THE GALLSTONES ACTUALLY LIKE I SAID HE NEVER EVEN KNEW HE HAD GALLSTONES. HE ACTUALLY... |
| 01:32:22 |
|
SO, IN ADDITION THEN TO HAVING AN UNRELATED MEDICAL CONDITION, IT WAS SOMETHING HE DIDN'T KNOW ABOUT... |
| 01:32:41 |
|
HE DID HAVE KIDNEY STONES. HE DID DISCLOSE THOSE AND WAS TREATED FOR THOSE AND HE WAS GIVEN INSURANCE... |
| 01:33:29 |
|
ULTIMATELY EVEN THAT, DIDN'T TAKE THE ATTORNEY GENERAL TO GET IT CHANGED? |
| 01:33:34 |
|
YES IT DID, IT ABSOLUTELY DID. THEY SAID THE ATTORNEY GENERAL'S OFFICE AND DR. VANCE WALDMAN WONDERFUL... |
| 01:33:54 |
|
WHAT I'M ASKING IS EVEN IF THEY FOUND A DOCTOR ON THE FISHING TRIP AND THE DOCTOR HAD SAID WHAT HE... |
| 01:34:01 |
|
IT WASN'T. WITH THAT POINT THEY STILL WROTE A LETTER SAYING TO BED, IT WAS THE MATERIAL FLACK OF DISCLOSURE... |
| 01:34:20 |
|
AND, MS. HORTON YOUR SITUATION IS THAT YOUR POLICY WAS RESCINDED BECAUSE YOU WERE SEEKING SOME INSURANCE... |
| 01:34:41 |
|
TURN ON YOUR MIC PLEASE. |
| 01:34:46 |
|
CAN YOU NOT HEAR ME? I WAS SEEKING THE POLICY WHEN I WAS GOING OVER FROM A GROUP HEALTH INSURANCE.... |
| 01:34:52 |
|
SO THIS IS JUST A DENIAL FROM THE BEGINNING BECAUSE-- |
| 01:34:57 |
|
I WAS ACCEPTED IN THE FIRST TIME I WENT TO SEE A DOCTOR I RECEIVED A LETTER FROM BLUE CROSS DATING... |
| 01:35:51 |
|
SO WE KNOW, IT SEEMS OBVIOUS THAT ANY THING THAT MIGHT RELATE TO CANCER TREATMENT THEY ARE GOING TO... |
| 01:36:07 |
|
MY HE JUST PROVES THERE IS NO CONDITION TO SMALL THAT THEY ARE WILLING TO SEND YOU TO THIS DEPARTMENT... |
| 01:36:33 |
|
THANK YOU MR. CHAIRMAN. |
| 01:36:35 |
|
MR. BURGESS FOR QUESTIONS PLEASE. |
| 01:36:39 |
|
THANK YOU MR. CHAIRMAN. MS. BEATON, LET ME ASK YOU, BLUE CROSS/BLUE SHIELD CAME BACK TO YOU AFTER... |
| 01:36:59 |
|
I AM KIND OF HARD OF HEARING. |
| 01:37:02 |
|
YOUR RECISION WAS EFFECTIVE ON DECEMBER 2007 WHICH WAS THE DATE THE INSURANCE WAS INITIATED? IS THAT... |
| 01:37:09 |
|
THEY GAVE ME BACK ALL OF MY PREMIUMS. I NEVER CASHED THE CHECK BECAUSE MR. BARTON TOLD ME NEVER TO... |
| 01:37:29 |
|
AND MS. RADDATZ WHAT ABOUT YOUR BROTHER SITUATION? WAS THERE A REFUND OF PREMIUM BACK TO THE DATE... |
| 01:37:36 |
|
YES, THEY DIDN'T ACTUALLY GET TO THAT POINT BECAUSE IT GOT RESOLVED BEFORE THEY REFUNDED THE MONEY... |
| 01:38:02 |
|
BUT THEY NEVER GOT TO THE POINT WHERE THEY SOUGHT THAT REFUND FROM YOUR BROTHER? |
| 01:38:08 |
|
WELL, AGAIN THE TO WONDER THOUSAND DOLLARS WAS THE AMOUNT THAT HIS MEDICAL BILLS-- |
| 01:38:14 |
|
SO THOSE FOR SUBSEQUENT BILLS? |
| 01:38:16 |
|
RIGHT, THAT WOULD HAVE BEEN WHAT HE HAD TO PAY OUT BECAUSE THEY WERE RESCINDING THEIR CONTRACT, AND... |
| 01:38:39 |
|
SO THAT RETROACTIVE FOR ANNOUNCEMENT ALSO DEALT WITH THE MONEY THAT THEY HAD USED TO PAY FOR HIS CANCER... |
| 01:38:49 |
|
THAT IS CORRECT. |
| 01:38:50 |
|
IN YOUR BROTHER'S SITUATION ALSO, I THINK HE SAID THAT HE WAS TOLD HE WOULD HAVE TO HAVE A CERTAIN... |
| 01:39:01 |
|
THAT IS CORRECT. |
| 01:39:04 |
|
THAT WAS NOT THE INSURANCE COMPANY, THAT WAS THE MEDICAL FACILITY? |
| 01:39:07 |
|
THAT WAS THE HOSPITAL COORDINATOR. WHEN I CALLED HER TO LITERALLY SCHEDULE THE STEM CELL TRANSPLANT... |
| 01:39:47 |
|
LET ME ASK YOU A QUESTION THAT DOESN'T HAVE TO DO WITH THE SUBJECT OF THE HEARING TODAY, BUT IT FIGURES... |
| 01:40:09 |
|
NO, THERE REALLY WEREN'T BECAUSE MY BROTHER'S DR. WAS ONE OF THE MOST RENOWNED DOCTORS AND THE WHOLE... |
| 01:40:44 |
|
JUST I CAN RECALL MULTIPLE TIMES WHEN I WAS IN PRACTICE, HE WOULD COME UP ON THESE SITUATIONS AND... |
| 01:41:47 |
|
I COULD NOT QUALIFY FOR THAT BUT WHAT THEY DID DO IS I MOVED IN WITH MY SISTER FOR A WHILE SO I COULD... |
| 01:42:38 |
|
I APPRECIATE THAT AND I BELIEVE THAT IS CONTINUITY OF CARE AND I BELIEVE THAT IS IMPORTANT. AGAIN,... |
| 01:43:10 |
|
MR. GINGREY FOR QUESTIONS. |
| 01:43:11 |
|
MR. CHAIRMAN I'M GOING TO DIRECT MY QUESTION TO MS. BEATON. IN MY PRONOUNCING THAT RIGHT? |
| 01:43:19 |
|
IT DOES NOT MATTER. IT IS A HARD NAME. |
| 01:43:25 |
|
MISS BEATON, WE OF COURSE HEARD AND LISTENED VERY INTENTLY TO YOUR TESTIMONY AND QUITE COMPELLING.... |
| 01:45:26 |
|
YES. |
| 01:45:28 |
|
WELL, LET ME, WITH THAT INFORMATION, LET ME JUST ADD THIS QUESTION, AND IT RELATES TO HUGH IN PARTICULAR... |
| 01:46:09 |
|
ME? ALL I CAN SAY IS THAT I DID GO MANY MANY DIFFERENT PLACES TRYING TO GET HELP AND I SPENT HOURS... |
| 01:47:34 |
|
MS. BEATON I'M GOING TO RECLAIM MY TIME BUT I REALLY THANK YOU FOR THAT TESTIMONY AND I THINK YOU... |
| 01:48:22 |
|
PLEASE DO NOT ACCEPT MR. GINGREY'S DESCRIPTION OF A POSSIBLE HEALTHCARE PLAN FOR A NATION BASED UPON... |
| 01:48:36 |
|
THANK YOU MR. CHAIRMAN. I APPRECIATE THE-- ANOTHER HEARING I AM INVOLVED THEN UPSTAIRS BUT I READ... |
| 01:49:45 |
|
I HAVEN'T LOOKED AT THE APPLICATION IN FOUR YEARS SINCE I FIRST BUILDOUT SO I CAN'T BE SOOPERS SPECIFIC... |
| 01:50:07 |
|
HOW WOULD EACH OF YOU IMPROVE THAT APPLICATION PROCESS BECAUSE IT SEEMS TO ME LIKE THAT IS KIND OF... |
| 01:51:36 |
|
I WISH TO STATE THAT THE INSURANCE COMPANY AT THE TIME YOU APPLY FOR INSURANCE AND YOU DISCLOSED YOUR... |
| 01:52:22 |
|
WHEN YOU HAVE A BIG CLAIM? |
| 01:52:24 |
|
PARDON ME? ABSOLUTELY. IF THAT IS INTENTIONAL WHAT IS? THEY WANT TO SAVE MONEY AND WAIT UNTIL YOU... |
| 01:52:54 |
|
MS. BEATON DO YOU WANT TO COMMENT ON THAT? |
| 01:52:59 |
|
, YES, JUST LIKE MYSELF, I WANT TO HAVE A PHYSICAL FOR INSURANCE AND THEY SAID NO WE DON'T DO THAT... |
| 01:53:12 |
|
WE HAVE THAT MEDICARE THING. |
| 01:53:14 |
|
THEY DON'T DO THAT AT ALL SO THEY DON'T WANT TO SPEND THE MONEY FOR A PHYSICAL TO GIVE IT TO YOU,... |
| 01:53:28 |
|
I COMPLETELY AGREE WITH WHAT MS. RADDATZ SAID AND JUST WENT AFTER THIS PRACTICE HAPPENS WHICH HOPEFULLY... |
| 01:53:51 |
|
I WAS READING THROUGH SOME OF THOSE EXAMPLES WHO WERE RESCINDED AND THEIR POSITIONS OF THE PATIENT... |
| 01:55:07 |
|
I DON'T BELIEVE THAT IT IS A SMALL SEGMENT OF THE POPULATION. I BELIEVE THEY SENT ANYONE WHO SENDS... |
| 01:55:32 |
|
I THINK WE GET SOME OF THAT TESTIMONY FROM OUR FINAL WITNESS FROM GEORGETOWN THAT SAYS IT MAY BE A... |
| 01:55:42 |
|
I WOULD JUST LIKE TO SAY, THOSE ARE THE PEOPLE YOU KNOW OF. THERE ARE MANY PEOPLE OUT THERE WHO LOSE... |
| 01:56:15 |
|
ALRIGHT. MS. BEATON, ANY FINAL COMMENTS? I JUST WONDERED IF YOU HAD ANY FINAL COMMENT ON THAT POINT?... |
| 01:56:29 |
|
I JUST AGREE WITH BOTH WHAT THEY SAID AND I KNOW SO MANY PEOPLE IN MY CANCER GROUP THAT I WISH COULD... |
| 01:56:55 |
|
THANK YOU VERY MUCH. THANK YOU MR. CHAIRMAN FOR YOUR INDULGENCE. |
| 01:57:02 |
|
ISU HAMMES CONSENT THAT-- LET ME JUST ASK A QUESTION. WE HAVE FOCUS SORT OF ON WHAT HAPPENED TO U3,... |
| 01:57:53 |
|
WITHOUT A DOUBT, SOMEDAY THEY WILL CANCEL ME. SOME DAY MR. BARTON WON'T BE THERE TO PROTECT ME AND... |
| 01:58:13 |
|
IF YOU LOST YOUR INSURANCE ARE YOU AFRAID HE WOULD NEVER GET INSURANCE FROM ANOTHER COMPANY SINCE... |
| 01:58:25 |
|
I AM UNINSURABLE. THE ONLY WAY I COULD GET INSURANCE THROUGH BEING A REGISTERED NURSE, HUGO BACK TO... |
| 01:58:44 |
|
BECAUSE OF YOUR PREEXISTING CONDITION? |
| 01:58:46 |
|
BECAUSE OF MY CANCER. ONCE YOU HAVE CANCER YOU ARE UNINSURABLE FOREVER. |
| 01:58:51 |
|
THANK YOU. I APOLOGIZE. I DID NOT SEE YOU THERE BUT FIVE MINUTES OF QUESTIONS. |
| 01:58:57 |
|
THAT WILL TEACH ME TO WEAR A LIGHT-COLORED SUIT. |
| 01:59:00 |
|
THANK YOU MR. CHAIRMAN. I WANT TO EXPRESS APPRECIATION TO THE WITNESSES FOR COMING TODAY. |
| 01:59:07 |
|
NONE OF US CAN CONDONE THE ABUSES IN THE SYSTEM AND YOU HAVE POINTED OUT SOME OF THESE TO BE IN THAT... |
| 01:59:31 |
|
THAT WAS PRETTY QUICK. ANY OTHER-- LET ME THANK THIS PANEL FOR THEIR TESTIMONY, YOUR HEARTFELT TESTIMONY... |
| 01:59:50 |
|
THANK YOU ALL. |
| 02:00:02 |
|
THANK YOU VERY MUCH. [INAUDIBLE CONVERSATIONS] |
| 02:00:14 |
|
I WOULD NOW LIKE THE CALLERS THAT IMPALLA WITNESSES. IN A SECOND PANEL WE HAVE DON HAMM, EXECUTIVE... |
| 02:01:48 |
|
CHAIRMAN STUPACK, CONGRESSMAN WALDMAN, MEARS OF THE SUBCOMMITTEE I'M DON HAMM PRESIDENT AND CEO OF... |
| 02:06:33 |
|
THANK YOU MR. HAMM. MR. COLLINS, YOUR OPENING STATEMENT PLEASE SIR. |
| 02:06:39 |
|
GOOD MORNING MEMBERS OF THE SUBCOMMITTEE, THANK YOU FOR INVITING ME TO TESTIFY TODAY. MY NAME IS RICHARD... |
| 02:11:20 |
|
THANK YOU. MR. SASSI YOUR OPENING STATEMENT PLEASE. |
| 02:11:24 |
|
THANK YOU CHAIRMAN STUPAK, RANKING MEMBER WILBON AND MEMBERS OF THE COMMITTEE FOR INVITING ME TO TESTIFY... |
| 02:16:25 |
|
THANK YOU. MS. POLLITZ YOUR OPENING STATEMENT PLEASE. |
| 02:16:29 |
|
THANK YOU MR. CHAIRMAN AND MEMBERS OF THE COMMITTEE. I STUDY PRIVATE HEALTH INSURANCE AND ITS REGULATION... |
| 02:21:56 |
|
THANK YOU AND THANK YOU ALL FOR YOUR TESTIMONY. WE WILL GO TO QUESTIONS. MR. SASSI, LET ME ASK YOU... |
| 02:22:51 |
|
I DON'T BELIEVE THE NUMBERS ARE EXACTLY ACCURATE. BUT, THE PREMISE IS ACCURATE. THE ISSUE OF RESCISSION... |
| 02:23:27 |
|
ACCORDING TO THE DEPARTMENT OF MANAGEMENT OF HEALTH IN JULY 08, LAST YEAR, JULY 17, 2008 YOU ENTERED... |
| 02:24:01 |
|
YEAH, THERE WAS NOT A 50 MILLION-DOLLAR FINE TO THE DEPARTMENT OF INSURANCE. IRREGARDLESS OF FACT,... |
| 02:24:14 |
|
LET ME ASK YOU THIS, WHY DON'T YOU JUST THAT THESE POLICIES BEFORE YOU EVER COLLECT THE PREMIUM? ... |
| 02:24:35 |
|
CHAIRMAN, WE TO INVESTIGATE THE UP AGAINST. WE ARE VARIED VIGOROUS AND UNDERWRITING REQUIREMENTS.... |
| 02:25:00 |
|
WIND YOU DO THE INVESTIGATION? WHY ARE WE GETTING THESE POST UNDERWRITING GOING ON? WHAT DOES THAT... |
| 02:25:07 |
|
I WOULD CONTEND THAT WE DON'T PARTICIPATE IN'S CLIMATE THE READY. IF THERE IS A SITUATION WHERE THE... |
| 02:25:32 |
|
LET ME ASK YOU THIS. IN THE BOOK RIGHT THERE AND I BELIEVE IT IS TAB NUMBER LUPTON, THAT IS OUR DOCUMENT.... |
| 02:26:16 |
|
CHAIRMAN AND INVESTIGATION DOES NOT MEAN THAT RESCISSION ACTUALLY OCCURS. FOR EXAMPLE IN 2008, THERE... |
| 02:26:31 |
|
RIGHT BUT WHAT YOU HAVE 14 DIFFERENT INVESTIGATIONS TO TRIGGER AN INVESTIGATION? WHAT IS THE COMMON... |
| 02:26:41 |
|
I WOULD SAY THERE IS NO COMMON THEME OTHER THEN THESE ARE CONDITIONS THAT HAVE THE APPLICANTS DISCLOSED... |
| 02:27:04 |
|
I THOUGHT YOU SAID THEY DID PRESCREENING BEFORE? |
| 02:27:07 |
|
WE DO. |
| 02:27:09 |
|
WHY WOULD YOU HAVE TO GO BACK? IF YOU SCREEN THEM BEFORE AND THERE WAS NO PROBLEM WHY WOULD YOU HAVE... |
| 02:27:27 |
|
THERE ARE THOSE AMONG US THAT ARE NOT TRUTHFUL IN COMPLETING THEIR APPLICATION. |
| 02:27:32 |
|
IN 1400 DIFFERENT AREAS THAT APPLICANTS LIKE? OR IS IT A COST ISSUE? THESE ARE 1400 EXPENSIVE AREAS,... |
| 02:27:45 |
|
RESCISSION IS NOT ABOUT COST. A PHARMACY CLAIM THAT IS $20 COULD TRIGGER SOMETHING. |
| 02:27:51 |
|
IF IT IS FOR A CERTAIN CONDITION, RIGHT? HEART IS THESE? |
| 02:27:57 |
|
NOT NECESSARILY. |
| 02:27:58 |
|
ALRIGHT. MY TIME IS UP. MR. WALDEN. |
| 02:28:02 |
|
THANK YOU MR. CHAIRMAN. I WOULD JUST LIKE TO ASK EACH OF THE COMPANY'S PRESENT, IS IT YOUR COMPANY'S... |
| 02:28:31 |
|
I AM PERSONALLY AWARE OF THAT POLICY. |
| 02:28:35 |
|
MR. COLLINS? |
| 02:28:37 |
|
SIR, WE DO HAVE THAT QUESTION ON OUR APPLICATION BUT I AM NOT AWARE AS TO WHETHER OR NOT, WHAT THE... |
| 02:28:48 |
|
BUT YOU DON'T KNOW WHAT HAPPENS WITH THAT INFORMATION? |
| 02:28:53 |
|
NO SIR, I IMAGINE IT TRIGGERS AN INVESTIGATION BUT I DON'T KNOW IF THERE IS AN UNDERWRITING |
| 02:29:00 |
|
MR. HAMM? |
| 02:29:03 |
|
YES WE WOULD NOT PROVIDE COVERAGE IN THE SITUATION. |
| 02:29:07 |
|
SO, DO YOU EVER LOOK TO SEE IF THEY RESCISSION, THE CIRCUMSTANCES OF GROUND AND OTHER COMPANIES RESCINDING... |
| 02:29:23 |
|
OUR UNDER WERT-- UNDERWRITING GUIDELINES ARE THAT WE WOULD NOT ISSUE THE POLICY. |
| 02:29:30 |
|
MR. COLLINS, CAN SOMEBODY TELL YOU, IS THAT YOUR UNDERWRITING POLICY? THE I DON'T KNOW SENATOR BUT... |
| 02:29:40 |
|
MR. SASSI IS THAT YOUR COMPANY'S POLICY? |
| 02:29:42 |
|
AGAIN I AM NOT AWARE OF THE POLICY. I WOULD BE HAPPY TO RESEARCH IT AND PROVIDE A RESPONSE FOR THE... |
| 02:29:49 |
|
EULA BISS LUCETTE HERE IN HEARD THE TESTIMONY OF THE PRIOR WITNESSES AND SOME OF THE INFORMATION WE... |
| 02:30:23 |
|
WELL, AS I STATED FOR THE RECORD I AM NOT AWARE THAT IS A COMPANY POLICY. |
| 02:30:30 |
|
I STIPULATED THAT. |
| 02:30:33 |
|
A DOCTOR SHOULD BE CONSIDERED |
| 02:30:36 |
|
BUT I'M HEARING AT LEAST FROM MR. HAMM THAT IT IS YOUR COMPANY'S POLICY THAT THEY ARE RESCINDED BY... |
| 02:31:54 |
|
MOST OF YOUR COMPANY POLICIES APPROVED THE DECISION TO RESCIND IF AN APPLICANT MADE ANY MATERIAL MISREPRESENTATIONS... |
| 02:32:33 |
|
WE HAVE A VERY FAIR AND THOROUGH PROCESS DETERMINING IF THERE WAS A MATERIAL MISREPRESENTATION. THE... |
| 02:33:15 |
|
DO YOU LOOK AT THE CASE FILES, DO YOU LOOK AT THE RECORDS, YOU COMMUNICATE DIRECTLY WITH THE PHYSICIAN?... |
| 02:33:19 |
|
WE WILL COMMUNICATE WHEN IT IS NECESSARY. |
| 02:33:22 |
|
TO DETERMINE MATERIAL MISREPRESENTATION? WHAT HAPPENS IF THE PHYSICIAN SAYS I NEVER TOLD A PATIENT... |
| 02:33:30 |
|
IT'S DIFFICULT TO SPEAK OF I APATHETIC CALLED THE SITUATION. DEPENDS ON THE FACT OF THE TIME I CAN... |
| 02:33:43 |
|
MR. COLLINS? |
| 02:33:45 |
|
SENATOR, WE AFFORD THE CUSTOMER THE RIGHT TO APPEAL AND WE ACCEPT STATEMENTS AND INFORMATION FROM... |
| 02:34:09 |
|
MR. SASSI? |
| 02:34:11 |
|
WE ALSO HAVE A THOROUGH PROCESS WHEN WE INITIATED THE RECISION INVESTIGATION WE REACH OUT TO THE MEMBER... |
| 02:34:42 |
|
IN MR. HAMM'S COMPANY A WEEK AND A HALF OR TWO WEEKS AGO STARTED THIS INDEPENDENT THIRD PARTY REVIEW... |
| 02:34:49 |
|
THAT IS CORRECT. WE RECENTLY IMPLEMENTED THAT. |
| 02:34:53 |
|
AND I COMMEND YOU FOR THAT. THAT WAS A GOOD MOVE. IN YOUR COMPANY MR. SASSI, DO YOU HAVE AN INDEPENDENT... |
| 02:35:05 |
|
NO SIR, WE DO NOT HAVE AN INDEPENDENT REVIEW PANEL. |
| 02:35:07 |
|
DO YOU PLAN TO GO THAT ROUTE? IS IT SOMETHING WORTH THINKING ABOUT? |
| 02:35:12 |
|
IT'S UNDER CONSIDERATION, BUT WE HAVEN'T MADE THAT DECISION. |
| 02:35:17 |
|
MR. SASSI? |
| 02:35:20 |
|
,, WE WERE THE FIRST INSURER TO IMPLEMENT A THIRD PARTY REVIEW AND IMPLEMENTED THAT IN JULY, 2008.... |
| 02:35:26 |
|
LAST JULY. MY TIME IS EXPIRED. THANK YOU, MR. CHAIRMAN. |
| 02:35:30 |
|
THAT IS BECAUSE CALIFORNIA MADE YOU DO IT, RIGHT? |
| 02:35:35 |
|
IT WAS NOT. |
| 02:35:36 |
|
OKAY BECAUSE IN YOUR OPENING STATEMENT YOU SAID YOU ANNOUNCED ROBUST CONSUMER PROTECTION SO I WANT... |
| 02:35:53 |
|
YES, ABSOLUTELY. IN MY WRITTEN TESTIMONY TO THE COMMITTEE WE OUTLINED TEN RECOMMENDATIONS. WE HAVE... |
| 02:36:05 |
|
EIGHT OF THE TAMA, ARE THERE. OKAY. MR. HAMM, YOU SAID YOU WOULD NOT REJECT OR RESCINDED CONTRACT OF... |
| 02:36:25 |
|
MR. CHAIRMAN, I WOULD REALLY LIKE TO COMMENT ON THAT CASE BUT DUE TO PRIVACY CONCERNS I AM NOT ABLE... |
| 02:36:41 |
|
DO ALL OF YOUR CLIENTS AND POLICYHOLDERS HAVE TO GET A HOLD OF THE ATTORNEY GENERAL TO GET IT DONE?... |
| 02:36:51 |
|
WE HAVE A VERY DETAILED APPEALS PROCESS. IN FACT, AFTER THE THREE LEVELS REVIEW AND THE ENTIRE COMMITTEE... |
| 02:37:15 |
|
RADDATZ ONLY HAD TWO OR THREE WEEKS TO GET HIS STEM CELL. |
| 02:37:19 |
|
WE GO THROUGH THE PROCESS AS FAST AS POSSIBLE. |
| 02:37:23 |
|
I APOLOGIZE I DIDN'T SEE YOU THERE, YOU CHANGED THE COLOR OF YOUR SUIT. I WILL GO TO YOUR FOUR QUESTIONS.... |
| 02:37:32 |
|
CALIFORNIA WAS -- MICHIGAN WAS STILL IN THE INDIAN TERRITORY. WE DON'T NEED TO BE OVERLOOKED. [LAUGHTER]... |
| 02:38:45 |
|
YES. |
| 02:38:47 |
|
AND IF SO, IF THAT IS THE LAW THAT HAS BEEN IN PLACE SINCE 1996 MEANS WHY ARE WE HAVING THIS DISCUSSION?... |
| 02:38:56 |
|
WELL I AM NOT SURE IF I CAN ANSWER THE SECOND QUESTION, BUT I THINK I SHOULD SAY I AM NOT AN ATTORNEY.... |
| 02:40:20 |
|
NONE OF THE FIVE EXCEPTIONS TO THAT THE DISCUSSIONS HERE UNLESS IT IS ELEVATED TO THE LEVEL OF FRAUD.... |
| 02:40:28 |
|
THAT IS CORRECT. |
| 02:40:30 |
|
AND I WOULD ASK THE ENTIRE PANEL, ARE YOU AWARE OF ANY COURT INTERPRETATION OR ANY QUESTION THAT HAS... |
| 02:41:03 |
|
CON GUTZMAN, MAY I SPEAK TO THAT? |
| 02:41:05 |
|
YES. |
| 02:41:07 |
|
THIS IS A LEGAL ISSUE, BUT I DO NOT BELIEVE RECISION IS CONSIDERED A MONREAL ONE. |
| 02:41:13 |
|
WELL, BUT IT DOESN'T JUST STOP WHEN IT SAYS SHALL RENEW. IT SAYS OR CONTINUE IN FORCE. I GUESS IF... |
| 02:41:41 |
|
I HAVE NO KNOWLEDGE. |
| 02:41:43 |
|
LET ME GO INTO THE SECOND PART OF MY QUESTION, AND THAT IS WE THEN GO TO THE STATES HAVING THEIR STATUTORY... |
| 02:42:35 |
|
I AM NOT AWARE OF THAT. WE COMPLY WITH ALL STATE STATUTES AND I THINK IT IS ALMOST ALL STATES WE HAVE... |
| 02:43:02 |
|
IF SOMETHING WAS WENT TO BE REJECTED BASED ON INFORMATION THAT WAS IN AN APPLICATION OR INFORMATION... |
| 02:43:53 |
|
LET ME CLARIFY THAT WE DO NOT POST CLAIMS UNDER LIGHT. WE ASK INFORMATION OF EVERY SINGLE APPLICANT... |
| 02:44:20 |
|
BUT THAT WOULD BE THE TRIGGER AN ACT. AND YOU WOULDN'T KNOW ABOUT THAT UNLESS SOMETHING IN BYE WAY... |
| 02:44:32 |
|
THAT IS CORRECT. |
| 02:44:35 |
|
WHEN ASKING IS AS YOU GIVE THE POLICYHOLDER TEN DAYS TO FIGURE OUT IF IT IS CORRECT SHOULD THERE BE... |
| 02:45:06 |
|
SOMETHING TO DISCUSS AND GIVE THOUGHT TO. |
| 02:45:10 |
|
THANK YOU, MR. CHAIRMAN. |
| 02:45:12 |
|
MR. BURGESS FOR QUESTIONS. |
| 02:45:13 |
|
THANK YOU, MR. CHAIRMAN. THAT'S THE LAST POINT OF MR. DEAL'S IS EXCELLENT AND LIKELY WOULD HAVE ELIMINATED... |
| 02:46:17 |
|
I WOULD BE GLAD TO RESPOND TO THAT AND I HAVE TO SAY I FELT BAD AND I HAVE A LOT OF EMPATHY FOR THE... |
| 02:47:17 |
|
YOU HAVE BROUGHT THAT UP. WHAT DO YOU DO WITH THE SEGMENT OF SOCIETY THAT ISN'T GOING TO PARTICIPATE?... |
| 02:48:02 |
|
WE BELIEVE THAT THE REQUIREMENT TO PURCHASE INSURANCE SHOULD BE ENFORCED. WE BELIEVE THOSE THAT DON'T... |
| 02:48:23 |
|
YOU AND I WILL FUNDAMENTALLY DISAGREE AND THE APPROACH TAKEN BY CONGRESS WITH THE DEVELOPMENT OF THE... |
| 02:50:18 |
|
I'M HAVING A LITTLE DIFFICULTY FOLLOWING THE QUESTION, SIR. IF I MAY UNDERSTAND SPECIFICALLY WHAT... |
| 02:50:26 |
|
REGARDLESS WHAT WE DO WITH INDIVIDUAL OR BUSINESS MANDATE, AN EMPLOYER MANDATE MAYBE WE DON'T DO A... |
| 02:50:44 |
|
IN THE CURRENT SYSTEM THAT WOULDN'T BE FEASIBLE. WE NEED AN ENVIRONMENT WHERE ALL AMERICANS REQUIRED... |
| 02:50:54 |
|
SO YOU WOULD NOT BE WILLING TO ALTER BUSINESS PRACTICES IF THERE WAS A WAY TO DO THAT TO PROVIDE COVERAGE... |
| 02:51:07 |
|
IF THE REFORMS PROPOSED BY HIPAA ARE ADOPTED WE WOULD BE GLAD TO PARTICIPATE IN THE SYSTEM BUT IT IS... |
| 02:51:23 |
|
WITH RESPECT REFORMS ARE NOT GOING TO HAPPEN. YOU ARE GOING TO GET A PLAN AS YOUR CHAIRMAN THIS MORNING.... |
| 02:51:35 |
|
BUT I WOULD RESPECTFULLY HAVE TO AGREE WITH MR. HAMM A GUARANTEED ISSUE PRODUCT THAT WOULD FIT ALL... |
| 02:52:19 |
|
ON THE ISSUE OF HIGH RISK POOLS I THINK THE PRIVATE SECTOR IS GOING TO BE REQUIRED TO MAKE THE CONTRIBUTION... |
| 02:52:43 |
|
LAST QUESTION MR. BURGESS, YOU ARE GOING ON. |
| 02:52:48 |
|
REGARDLESS OF CLAIMS HISTORY IN THE POPULATION WOULD SHE BE WILLING TO MAKE A PRODUCT AVAILABLE? |
| 02:52:55 |
|
I HAVE TO AGREE WITH MY COLLEAGUES IN THE CURRENT VOLUNTARY INDIVIDUAL MARKET, WE COULDN'T GUARANTEE... |
| 02:53:28 |
|
MR. CHAIRMAN, YOU'VE BEEN GENEROUS WITH YOUR TIME. AGAIN, I WILL STRESS THIS IS GOING TO TAKE CREATIVE... |
| 02:53:51 |
|
QUESTIONS AND SPEECHES ARE OVER. |
| 02:53:52 |
|
I CANNOT HELP YOU IF YOU ARE NOT WILLING TO MOVE. THANK YOU. |
| 02:54:00 |
|
IT IS NOT MY PLAN MR. CHAIRMAN I WOULD ARGUE WITH YOU NOW, THAT'S FOR ANOTHER HEARING. WE ARE GOING... |
| 02:54:41 |
|
WHAT TRIGGERS THE INVESTIGATION -- |
| 02:54:45 |
|
WHY DOES CANCER A TRIGGER? |
| 02:54:46 |
|
WHY CANCER TRIGGERS INVESTIGATION ARE THE TYPES OF MEDICAL CONDITIONS OF CHRONIC NATURE WHERE THERE'S... |
| 02:55:10 |
|
IF IT'S THE MEDICAL CONDITIONS DID BEFORE YOU SIGN THEM UP WHY DON'T YOU GET ALL THE MEDICAL RECORDS?... |
| 02:55:20 |
|
IF WE WERE TO RECEIVE ALL THE MEDICAL RECORDS OF THE TIME OF APPLICATION THAT WOULD DELAY THE PROCESS... |
| 02:55:38 |
|
SO IT'S A COST ISSUE. TWO COSTLY TO GET THE MEDICAL RECORD. |
| 02:55:42 |
|
IT WOULD ADD TO THE PREMIUMS THE CUSTOMERS WOULD PAY BY A SIGNIFICANT AMOUNT. |
| 02:55:47 |
|
DOES IT COST $40 TO GET MEDICAL RECORDS? |
| 02:55:50 |
|
I AM NOT FAMILIAR BUT IT WOULD DEILY THE PROCESS. |
| 02:55:52 |
|
BUT IS IT WENT TO BE BETTER TO DELAY THE PROCESS TO MAKE SURE A PERSON IS INJURED AS OPPOSED TO WHEN... |
| 02:56:01 |
|
THE VAST MAJORITY OF CUSTOMERS PROVIDE APPROPRIATE INFORMATION. |
| 02:56:06 |
|
SAID MR. RADDATZ BY YOU DELIGHT HIM COVERAGE, IT? |
| 02:56:11 |
|
UNFORTUNATELY I CANNOT COMMENT ON THAT PARTICULAR CASE. |
| 02:56:16 |
|
MR. COLLINS, ASKING THE SAME QUESTION YOU INSISTED YOU ALSO MUSIC COMPUTER ICE SYSTEM TO IDENTIFY... |
| 02:56:45 |
|
NO, SIR, THAT IS NOT TRUE. I HAVEN'T BEEN PRODUCED TO THE DISCUSSIONS BETWEEN MY STAFF AND YOUR STAFF... |
| 02:57:02 |
|
CAN YOU SAY WHAT CONDITIONS THE COMPUTER CONSIDERS FOR A POSSIBLE INVESTIGATION? |
| 02:57:07 |
|
NO SINGLE FACTOR IS USED TO TRIGGER AN INVESTIGATION SO WE LOOK AT THE SYSTEM LOOKS AS ITS SCREENING... |
| 02:57:29 |
|
THE ALGORITHM NO ONE FROM THE COMPANY COULD TELL WHAT YOU COMMIT TO PRODUCE WHATEVER THE WITNESSES... |
| 02:57:42 |
|
YES, SIR -- WE ARE TRYING TO PUT IT IN A FORMAT THAT WOULD BE ACCEPTABLE TO THE COMMITTEE. |
| 02:57:50 |
|
DR., PROFESSOR POLLITZ DO YOU SEE A COMMON THREAT? HEAT GOT 1400 CONDITIONS, 2000 CONDITIONS IN THE... |
| 02:58:04 |
|
I THINK THE COMMON THREAD IS THAT IF SOMEBODY MAKES A CLAIM FOR ANYTHING SERIOUS IN THE FIRST YEAR... |
| 02:58:34 |
|
AS TO THE HIPAA LAW LEAVE IT TO THE STATES AND HIPAA HAS TO BE ENFORCED BY THE FEDERAL GOVERNMENT... |
| 02:58:41 |
|
THAT IS CORRECT. -- OF THE VALUE OF THE LOT DEPENDS ON THE ENFORCEMENT OF THE LAW? |
| 02:58:46 |
|
YES IT DOES AND IF THERE IS A FINE OF $100 PER DAY PER AFFECTED INDIVIDUAL FOR NONCOMPLIANCE WITH... |
| 02:58:56 |
|
LET ME ASK EACH OF THE CEOs THIS WOULD YOU COMMIT THAT YOUR COMPANY WOULD NEVER RESCIND ANOTHER POLICY... |
| 02:59:05 |
|
I WOULD NOT COMMIT TO THAT. |
| 02:59:07 |
|
HOW ABOUT YOU, MR. COLLINS, WOULD YOU COMMIT TO NOT RESCIND UNLESS THERE IS INTENTIONAL FRAUDULENT... |
| 02:59:14 |
|
NO SIR, WE FOLLOW THE STATE LAWS AND REGULATIONS AND WE WOULD NOT STIPULATE TO THAT. THAT'S NOT CONSISTENT... |
| 02:59:23 |
|
HOW ABOUT YOU, MR. SASSI, CAN YOU COMMIT THAT YOU WILL NOT RESCIND THOMAS THERE IS INTENTIONAL FRAUDULENT... |
| 02:59:30 |
|
I CANNOT, THE LAW OF THE LAND AND THE MAJORITY OF STATES. SEMIDEY THINK IT IS FAIR TO RECENT SOMEBODY... |
| 02:59:37 |
|
I THINK THAT PLAYING THE KNOWING STANDARD IS MUCH MORE OBJECTIVE AND -- |
| 02:59:44 |
|
ON THE FIRST PANEL NO ONE HAD THE KNOWLEDGE AND THEY WERE ALL RESCINDED -- |
| 02:59:47 |
|
I'M SORRY? |
| 02:59:48 |
|
ON THE FIRST PANEL NO ONE HAD A MISREPRESENTATION BUT THEY HAD THEIR POLICIES RESCINDED FROM MS. BEATON... |
| 03:00:01 |
|
WE ARE TO DETERMINE THE APPLICANT DIDN'T KNOW ABOUT A SPECIFIC CONDITION WE WOULD NOT |
| 03:00:08 |
|
OKAY. .. THEY WERE BEING TREATED FOR ACNE? DOES NOT BOTHER YOU? |
| 03:01:10 |
|
YES SIR, IT DOES AND WE REGRET THE NECESSITY THAT THAT HAS TO OCCUR EVEN A SINGLE TIME AND WE HAVE... |
| 03:01:27 |
|
WELL, I HAVEN'T HEARD YOUR OPENING STATEMENT. I GLANCED AT THEM AND NYET NOT HEARD THE FIRST ROUND... |
| 03:04:07 |
|
NO ONE CARES TO INSERT? |
| 03:04:10 |
|
I WOULD JUST REINFORCE THAT RESCISSION WOULD ONLY OCCUR WHEN THE INFORMATION WAS MATERIAL TO THE INITIAL,... |
| 03:04:27 |
|
ONLY IN THAT CASE. |
| 03:04:29 |
|
MR. CHAIRMAN, I AM GOING TO YIELD BACK. |
| 03:04:33 |
|
COULD I FOLLOW UP ON THAT? IF IT IS MATERIAL TO THE REPRESENTATION, LET ME ASK YOU THIS. IN YOUR POLICY... |
| 03:05:29 |
|
I AM NOT AWARE. |
| 03:05:31 |
|
HOW-- IF YOU DON'T KNOW WHAT IT IS HOW WOULD ANYONE FILLING OUT THEIR APPLICATION KNOW WHAT IT IS?... |
| 03:05:46 |
|
I DON'T KNOW THE ANSWER TO THOSE QUESTIONS. |
| 03:05:49 |
|
BUSE SINCERELY BELIEVE AN AVERAGE OF THE THAT WOULD KNOW WHAT THESE WORDS MEAN IF YOU DON'T KNOW AND... |
| 03:05:55 |
|
SIR I BELIEVE THAT IS AN APPLICATION THAT IS NOT CURRENTLY USED AT THIS TIME. |
| 03:06:00 |
|
IT IS LAST YEAR'S APPLICATION LAST YEAR'S APPLICATION AND, LAST YEAR'S APPLICATION. HAVE YOU CHANGE... |
| 03:06:13 |
|
I AM SORRY SIR. |
| 03:06:15 |
|
THIS IS LAST YEAR'S APPLICATION FOR GOODE DID YOU CHANGE IT IN THE LAST YEAR? |
| 03:06:20 |
|
I AM NOT AWARE IF WE HAVE CHAINS THAT THE APPLICATION. |
| 03:06:24 |
|
SO AS FAR AS YOU KNOW THAT IS YOUR CURRENT APPLICATION. |
| 03:06:28 |
|
I BELIEVE OUR CURRENT APPLICATION ASKS QUESTIONS BACK TO FIVE YEARS OF THE TEN YEAR MIGHT BE DIFFERENT... |
| 03:06:37 |
|
IT IS THE SAME QUESTION, DIA DO YOU DON'T KNOW WHAT IT IS. |
| 03:06:42 |
|
I DO NOT KNOW WHAT THAT IS. |
| 03:06:45 |
|
MR. DEAL. |
| 03:06:47 |
|
MR. BARTON I TOOK YOUR TIME. |
| 03:06:48 |
|
IF THIS IS THE HYPOTHETICAL BUT I JUST WANT TO FIGURE OUT WHAT THE ANSWER IS. I HAD A MILD HEART ATTACK... |
| 03:08:39 |
|
I ADMIT THAT MY BIG PROBLEM, TELL YOU THE MEDICATIONS, ALL THE STUFF BUT I FLAT FORGET THAT I BROKE... |
| 03:08:54 |
|
CONGRESSMEN BARTON, R UNDERWRITING GUIDELINES REALLY KIND OF DICTATE THAT. BUT IT IS MY UNDERSTANDING... |
| 03:09:16 |
|
I UNDERSTAND YOU MIGHT NOT COVER ME BECAUSE OF MY HEART ATTACK. I UNDERSTAND THAT, IT WOULD BE TOTALLY... |
| 03:09:44 |
|
SIR, THE APPLICATION IS LOOKING FOR INFORMATION BILLINGTON YEARS BACK. |
| 03:09:50 |
|
SO THAT WITHOUT THE MATERIAL? |
| 03:09:51 |
|
MR. HAMM? |
| 03:09:52 |
|
THE SAME ANSWER IS MR. COLLINS. |
| 03:09:55 |
|
THANK YOU MR. CHAIRMAN. |
| 03:09:56 |
|
MR. DEAL FOR QUESTIONS PLEASE. |
| 03:10:00 |
|
THANK YOU MR. CHAIRMAN. WE ARE TALKING IN THE PRIVATE INSURANCE COMPANY AND MR. SESSIONS SAID THAT... |
| 03:10:21 |
|
WELLPOINT INSURERS ONE IN NINE AMERICANS. THE BETH MAJORITY ARE COVERED |
| 03:10:26 |
|
MR. COLLINS. |
| 03:10:29 |
|
YES SIR, THE MAJORITY OF OUR MEMBERSHIP ARE IN GROUP INSURANCE PLANS WHICH ARE COVERED UNDER ERISA.... |
| 03:10:35 |
|
MR. HIM. |
| 03:10:36 |
|
THE MAJORITY ARE INDIVIDUALS HOWEVER WE HAVE SOME CUSTOMERS UNDER ERISA. |
| 03:10:42 |
|
DOES THE SAME PROBLEM RETAINED IN THE REST OF THE MARKETPLACE AS IN THIS PRIVATE INSURANCE MARKETPLACE,... |
| 03:10:54 |
|
THERE IS RECISION-- |
| 03:10:56 |
|
I AM SORRY, I CAN'T HEAR YOU. |
| 03:10:57 |
|
THERE IS RECISION IN THE SMALL GROUP MARKET. IT OPERATES A LITTLE DIFFERENTLY BECAUSE IT IS A GUARANTEED... |
| 03:11:28 |
|
BUT THE STATE PERIOD IS LIKE TWO YEARS, DO NOT APPLY BECAUSE IT IS THE NEAREST THE PLAN? |
| 03:11:34 |
|
YOUR ARE MUCH TIGHTER IN THE SMALL GROUP MARKET SO CONGRESS HAS SAID THAT THESE QUESTIONS ABOUT TEN... |
| 03:12:15 |
|
I AM GOING TO TRY TO BE REAL QUICK HERE AND I APOLOGIZE FOR CUTTING YOU OFF. WITH REGARD TO WHAT NEEDS... |
| 03:13:14 |
|
THEY ARE ALREADY AVAILABLE FOR REVIEW. |
| 03:13:18 |
|
WE DON'T HAVE THE EXTENT OF ELECTRONIC MEDICAL RECORDS THAT WE ALL HOPE WE WILL HAVE. |
| 03:13:22 |
|
BUT THE PRIVACY RULES YOU HAVE BEEN FORCED TO THE UNDER HIPAA SAY THAT MEDICAL UNDERWRITING IS PERMISSIBLE... |
| 03:13:34 |
|
YOU WOULD SEE NO REASON TO RAISE THAT ISSUE? IT IS ALREADY PERMITTED UNDER CURRENT LAW. |
| 03:13:41 |
|
THE LAST THING IN THIS IS MORE OF A COMMENT THAN ANYTHING ELSE. I THINK THE ISSUE THAT DR. BURGESS... |
| 03:14:37 |
|
MR. BURGESS DO YOU WANT TO QUESTION NOW OR DO YOU WANT TO COME BACK? YOU ONLY HAVE FIVE MINUTES SO... |
| 03:14:46 |
|
I CAN BE VERY BRIEF. |
| 03:14:47 |
|
I HAVE NOT SEEN IT YET BUT GO AHEAD. |
| 03:14:50 |
|
WE HAVE HEARD THE DISCUSSION OF THE PUBLIC OPTION PLAN. WHAT IS YOUR OPINION OF THAT? |
| 03:14:56 |
|
I OPPOSE THE PUBLIC PLAN OPTION. |
| 03:14:59 |
|
MR. COLLINS? |
| 03:15:01 |
|
SIR, I BELIEVE THE REFORMS THAT HAVE BEEN PROPOSED WE CAN MAKE THE MARKET WORK MUCH BETTER WITHOUT... |
| 03:15:09 |
|
MR. SASSI? |
| 03:15:11 |
|
WE ALSO OPPOSE THE PUBLIC PLAN. |
| 03:15:13 |
|
I DON'T WANT TO BE THE ONE TO HAVE TO BREAK THIS TO YOU BUT THE REALITY IS YOU ARE VERY LIKELY TO... |
| 03:16:20 |
|
SO YOU DIDN'T HAVE A QUESTION ON TODAY'S HEARING? IN ALL FAIRNESS TO WELLPOINT, I SAID IN MY OPENING... |
| 03:17:00 |
|
DURING THE PROCESS OF COLLECTING INFORMATION REQUESTED BY THIS COMMITTEE WE DIDN'T COVER THE TWO PERFORMANCE... |
| 03:17:52 |
|
BEGIN BOTH OF THOSE EMPLOYEES RECEIVE SOMEWHERE BETWEEN 600 TO ABOUT 6,000 I THINK THE RANGE WAS?... |
| 03:18:00 |
|
MY UNDERSTANDING IS THAT THOSE ASSOCIATES RECEIVED WITHIN THE AVERAGE COMPENSATION THAT ALL WELLPOINT... |
| 03:18:15 |
|
OH KEIZO URY JURIS-- OKAY. WITH THEIR PROFITS I GUESS YOU WOULD GIVE BONUSES. THAT CONCLUDES OUR HEARING... |
| 03:18:58 |
|
THANK YOU. [INAUDIBLE CONVERSATIONS] |
| 03:19:04 |
|
WE FOCUSED ON THE HEALTHCARE |
NOTE: The transcript for this program was compiled from uncorrected Closed Captioning.
RELATED PROGRAMS
DETAILS
PEOPLE GRID LIST
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
Waxman, Henry
U.S. Representative (Former) [D] 24 -
-
Dingell, John D. Jr.
U.S. Representative [D] 15
FEATURED IN
-
-
ninjamonkies
Clip: 4051-4493 -
firedoglake
Clip: 4051-4493
PURCHASE
-
- Price:
- Media Format:
- DVD