4.8 • 1.1K Ratings
🗓️ 29 April 2020
⏱️ 21 minutes
🧾️ Download transcript
Anna's insurance company said it would pay 100 percent for COVID-related testing. And then they left her to pay a giant bill.
She got help, thanks to a viral tweet, but... her story exposes big loopholes in consumer protections. We learn how to avoid falling in.
And: The way people responded to her tweet was generous, moving, and... complicated. Uncomfortable. Weird. Even with everybody doing their absolute best. (And, we should say, with as happy an ending as any of us get these days.)
Anna's story gets right to the heart of some of the really weird ways that dealing with the cost of health care — ESPECIALLY in the world of COVID-19 and the Internet and everything else — just messes with our minds, and our relationships as humans.
Thanks to Carmen Heredia Rodriguez, who reported the story of Anna's bill for Kaiser Health News and kindly let me piggyback on her hard work! You can read her version at.https://khn.org/news/bill-of-the-month-covid19-tests-are-free-except-when-theyre-not/.
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0:00.0 | Hey there, a couple weeks ago we explored a question we got from Becky in Minnesota, which was, |
0:04.8 | if I got COVID, what good would my insurance do me? And if you caught that episode, you might remember one takeaway was |
0:10.8 | actually kind of cheerful for this show anyway. |
0:13.4 | As in COVID relief laws Congress passed in March |
0:16.7 | actually give consumers some protections, |
0:19.3 | limits on what providers can charge, |
0:21.3 | requirements for insurance companies to cover COVID |
0:23.6 | testing and COVID related testing 100%. You might also remember that the |
0:29.6 | federal guidelines telling hospitals and insurance companies how to interpret those new laws |
0:33.2 | were still coming out and experts were still digesting those guidelines. |
0:37.1 | Like the night before the podcast came out we had to do an emergency interview |
0:42.4 | with Sabrina Corlett, who runs Georgetown |
0:44.5 | Universities Center on Health Insurance Reforms, because all that stuff had just changed. |
0:50.8 | How unusual is it for you to have these kind of giant policy changes kind of coming like, oh, and then this happened on Saturday, and then there's this new guidance as of Monday, and hey, it's Tuesday. How unusual is that for you? |
1:05.0 | Well then out on top of that 50 states that are putting out new guidance every single day. |
1:10.0 | So it's a little overwhelming. |
1:13.0 | So a few hours after the podcast came out, I got a note from Sabrina. |
1:17.0 | She was forwarding me some new analysis, like new that morning from a colleague of hers, |
1:22.0 | and it said, |
1:23.0 | hey, you know that requirement |
1:25.0 | that insurance companies fully cover |
1:27.0 | COVID-related testing? |
... |
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