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Health Insurance Consumer Alert
Source: insurance.state.wy.us
Topic: Health Insurance
Sort Desciption: Health Insurance Consumer Alert. Advertised “Health Plans†are not insurance. Cheyenne–Wyoming Insurance Commissioner Ken Vines warns consumers about ...
Content Inside: THE STATE OF WYOMING Insurance Department Herschler Building · 122 West 25 th Street · Cheyenne, Wyoming 82002 Administration (307) 777-7401 · Facsimile (307) 777-5895 · Agent Licensing (307) 777-7319 · http://insurance.state.wy.us PRESS RELEASE FOR IMMEDIATE RELEASE CONTACT: Jim Mitchell Staff Attorney March 19, 2004 Business Telephone: (307) 777-6889 Health Insurance Consumer Alert Advertised “Health Plans†are not insurance Cheyenne–Wyoming Insurance Commissioner Ken Vines warns consumers about advertisements for "health plans" that have been faxed to many potential Wyoming consumers. These plans generally do not provide insurance coverage and do not directly pay hospital or doctor bills. Advertisements for health plans may make claims, such as: • "New Health Plan! Designed for employees, individuals, and families" • Offered to "an entire family for only $89.95 per month for a limited time only." • Refers to "Medical, Dental and Vision" and includes a "$15.00 generic prescription card co-pay" • States that "all preexisting conditions accepted, no limitations on usage, no age restrictions" • Claims that other benefits in the plan include doctor visits, hospital stays, emergency room and "much more." These advertisements typically offer discounts in a preferred provider organization (PPO). For example, if a person participating in the “health plan†visits a physician participating in the PPO, they pay for the services at the time they are rendered. The “health plan†would make no payment to the physician on behalf of the patient. This so-called "health plan" could easily be confused with a health insurance policy," said Commissioner Vines. “Very few if any Wyoming medical providers agree to provide services under these plans. The Wyoming consumer may be required to drive hundreds of miles to find a participating medical provider, maki ...
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