Coverage Under New Health Care Exchanges

I saw this in yesterday's Houston Chronicle and thought it might be of interest.

Cancer coverage off-limits at some of the best hospitals

By Ricardo Alonso-Zaldivar ASSOCIATED PRESS

WASHINGTON — Some of America’s best cancer hospitals are off-limits to many of the people now signing up for coverage under the nation’s new health care program.Doctors and administrators say they’re concerned. So are some state insurance regulators.An Associated Press survey found examples coast to coast. MD Anderson Cancer Center says it’s in less than half of the plans in the Houston area. Seattle Cancer Care Alliance is excluded by five out of eight insurers in Washington’s insurance exchange. Memorial Sloan-Kettering is included by two of nine insurers in New York City and has out-of-network agreements with two more.Focus is on costsIn all, only four of 19 nationally recognized comprehensive cancer centers that responded to AP’s survey said patients have access through all the insurance companies in their states’ exchanges.Not too long ago insurance companies would have been vying to offer access to renowned cancer centers, said Dan Mendelson, CEO of the market research firm Avalere Health. Now the focus is on costs.“This is a marked deterioration of access to the premier cancer centers for people who are signing up for these plans,” Mendel-son said.Those patients may not be able to get the most advanced treatment, including clinical trials of new medications.And there’s another problem: It’s not easy for consumers shopping online in the new insurance markets to tell if top-level institutions are included in a plan. That takes additional digging by the people applying.“The challenges of this are going to become evident ... as cancer cases start to arrive,” said Norman Hubbard, executive vice president of Seattle Cancer Care Alliance.Subtle obstaclesBefore President Barack Obama’s health care law, a cancer diagnosis could make you uninsurable. Now, insurers can’t turn away people with health problems or charge them more. Lifetime dollar limits on policies, once a financial trap-door for cancer patients, are also banned.The new obstacles are more subtle.To keep premiums low, insurers have designed narrow networks of hospitals and doctors. The government-subsidized private plans on the exchanges typically offer less choice than Medicare or employer plans.By not including a top cancer center an insurer can cut costs. It may also shield itself from risk, delivering an implicit message to cancer survivors or people with a strong family history of the disease that they should look elsewhere.For now, the issue seems to be limited to the new insurance exchanges. But it could become a concern for Americans with job-based coverage, too, if employers turn to narrow networks.