CHAIN

Colorado Health Advocacy Information Network
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1) Shining the Spotlight on Unfair Practices That Limit Patient Care and Drive Up Out of Pocket Costs (OPC)

    • The growing misuse of prior authorization by health insurance providers to deny critically needed care

The proliferation of high deductible health plans and faltering of traditional health insurance to provide adequate coverage.

www.suzeorman.com/blog/Who-Should-Not-Choose-a-High-Deductible-Health-Plan

www.pacificresearch.org/new-pri-series-to-show-how-flawed-u-s-health-insurance-system-inflates-costs-decreases-quality-and-reduces-health-outcomes/

    • The indefensible practice used by insurance companies and Pharmacy Benefit Managers (PBMs) to disallow drug maker assistance coupons from counting towards patient deductibles and out-of-pocket spending (called a co-pay accumulator).

www.infusioncenter.org/understanding-copay-accumulators-who-really-benefits/

 

    • The legalized bribery scheme of drug makers paying rebates to get their drugs covered by insurance companies; $150b each year that should go to patients instead; see CHAIN publication [link].