March 22, 2019





In This Issue
Fast Facts
NAHU Calls on Congress to Fix the Two-Midnight Rule
NAHU Coalition Urges Action on Surprise Billing
CMS Releases "Master the Marketplace Anywhere, Anytime"
State Spotlight: Maine Protects Pre-existing Conditions
Healthcare Happy Hour
Miss Yesterday’s Webinar on Section 125 Best Practices?
HUPAC Roundup
What We're Reading
Tools
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NAHU Coalition Urges Action on Surprise Billing
NAHU joined its coalition partners in sending a letter on Monday to House and Senate leadership in support of legislative efforts to address surprise and balance billing issues:

We are a diverse group representing employees, large and small American businesses, health insurance providers, and brokers, who are working to make healthcare more affordable and accessible for every American. We applaud the recent, bipartisan attention this issue has received from members of both chambers. We ask that Congress take action this year to pass legislation that will protect patients from surprise medical bills and reign in out-of-control health care costs.

We urge members of Congress to work together to pass legislation that would take meaningful steps to protect consumers by:

  • prohibiting doctors from sending a surprise medical bill to patients in cases of emergency, involuntary care or instances where the patient had no choice in their provider.
  • requiring facilities to inform patients of their doctors’ network status and possible options for seeking care from a different doctor, but not require patients to consent to out-of-network care.
  • setting reimbursement rates that will not increase premiums or impact access for consumers by basing amounts on market rates determined by reasonable, contracted amounts paid by health insurance providers to similar doctors in a geographic area or a percentage of Medicare.
  • ensuring that these protections apply to all health plans, including self -funded plans governed by ERISA so consumers are protected regardless of coverage type.
  • avoiding the use of complex, costly and opaque arbitration processes that can keep consumers in the middle and lead to higher premiums.

As the cost of healthcare in the United States continues to rise, we are committed to finding solutions to protect the financial stability of American consumers and patients. A significant driver of high costs are exorbitant bills that millions of patients with comprehensive insurance coverage receive every year, demanding arbitrary fees for treatment by certain specialty medical doctors they did not seek out for care and, often, never even knew treated them. In fact, at least one in five Americans receives a surprise medical bill every year.

Hardworking Americans deserve to be protected from these surprise medical bills. Not only do these expenses affect patients who need care, they drive up premiums, making healthcare less affordable and accessible for everyone.

In many cases, the charges bear no relation to the actual cost of care or market rates. For example, out of-network anesthesiologists bill, on average, 580 percent of the Medicare reimbursement rate. For emergency medicine physicians, the charges can be even higher, with one study finding the average bill to be 798% what Medicare would pay. These excessive bills distort healthcare markets, create tremendous financial hardship on families and drive up premiums for everyone enrolled in commercial coverage.

While some states have taken action to address the issue, the patchwork approach has left far too many consumers without protection, and surprise medical bills remain inexplicably high in many regions. For the more than 100 million Americans covered by a self-funded health plan, these state laws provide no protection and underscore the need for federal action. Additionally, some state laws have had negative unintended consequences that have exacerbated the problem of higher costs for consumers, businesses, and taxpayers.

By working together and putting the best interests of patients first, we can improve health and reduce costs. We look forward to working with you to advance common-sense solutions to this national problem.

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