There are certain terms within your health insurance policy that are deemed “essential” and cannot be changed in the middle of the policy year. Premiums, deductibles, co-pays, and payment modes fall into this “essential” category. These are the critical features we, as consumers, use to determine which insurer and ultimately which policy is the best fit.
Your insurance policy is a contract between you and your insurer. You cannot change the bargain you struck with your insurer in the middle of the contract; and neither can they. However, not all insurers care to follow the rules.
Insurance companies have a legal obligation to provide notice to their customers when they change these “essential” terms of your contract. Without such notice, it’s possible you could walk into your doctor’s office or pharmacy and be blindsided by fees and costs that you never agreed to.
Consumers have the right and obligation to hold these large insurers accountable to their agreements. If we want an efficient healthcare system, all parties involved must be on a level playing field.
If your insurer is attempting this bait-and-switch tactic, please visit our site and input your information at the bottom of the page: www.fairnessinhealthcare.org