Home :: Site Map :: Privacy Policy

Patient Advocate Foundation
Phone: (800) 532-5274
Fax: (757) 873-8999
Home > Resources > Access to Care Resources > Insurance Resources

Insurance Resources

Our staff deals with many issues pertaining to insurance coverage on a daily basis. Here is some beneficial information to help you find the answers you need.

Special Report:
Americans at Risk: One in Three Uninsured
As the recession worsens, America’s businesses and families are feeling
the squeeze of these tough economic times. Unemployment is at its
highest rate in decades, and economic forecasts suggest that troubles
are likely to continue for many months to come. At the same time, the cost of
health coverage continues to rise, and millions of Americans remain uninsured,
with more workers losing their jobs and the health insurance that they rely
on with each passing week. Families USA examines the number of uninsured Americans, who they are,and how long they are uninsured. We also discuss the major underlying reasons for the growth in the number of uninsured. [March 2009]

Special Report:
Healthy Pay for Health Plan Executives
The managed care industry claims that the cost of patients' rights legislation will make families lose health insurance coverage–a charge that is both misleading and self-serving. This report from Families USA examines the compensation for the highest-paid executives of 10 for-profit, publicly traded companies that own health plans serving multiple states. [June 2001]
For the most up to date information on this and other topics, visit the Publications Section at the Families USA website.

The Genetic Information Nondiscrimination Act
Patients have rights and protections when it comes to discrimination based on genetic information. The Genetic Information Nondiscrimination Act (GINA) specifically prevents a group health plan or issuer from imposing exclusions based solely on genetic information including discrimination in individual eligibility, benefits or premiums and limits the collection of genetic information for underwriting purposes. Learn what information is included in the 'genetic information' term, as well as your rights within the law.

Help for Medicare Recipients
Finding the answers to your questions can become a daunting experience when there is so much information available. Here are some references that will hopefully provide you with a place to start.

Your Employer's Bankruptcy: How Will It Affect Your Employee Benefits?
This fact sheet from the Department of Labor focuses on bankruptcy's effect on pension plans and group health plans.

ERISA Basics: Winning with ERISA
Attorney Richard Carter outlines strategies to ensure that this program protects pension plan participants and their beneficiaries as it should. (More information about Mr. Carter is available in his biography.)

High-Dose Chemotherapy—Ensuring Coverage for Your Client
Arthur Gorov discusses the best and quickest way to assist women with recurring ovarian and breast cancer in obtaining the coverage needed for their prescribed treatment.
Reprinted with permission from the Professional Negligence Law Reporter, copyright of the Association of Trial Lawyers of America.

Children's Resources
A Long Overdue Change to Help Young Adults Get Coverage
On Monday afternoon I had an opportunity to attend a White House conference call announcing extended health care coverage for young adults under the new "Affordable Care Act". Above you will find a link to the official public statement regarding this important coverage. I encourage you to share this information liberally with your patients, friends and family members as it will have an immediate impact on more than 1.2 million Americans!

I have provided a brief summary of the call's highlights for you below:
  1. Young adults have less access to employer health coverage than any other age group.
  2. People in their 20's are twice as likely to be uninsured than any other age group.
  3. Under the Affordable Care Act parents can now keep their young adult children on their insurance plans through age 26 beginning on 9/23/10.
  4. The big announcement on Monday's call was that 65 major insurance companies are offering this extended coverage effective immediately to avoid another round of young graduates facing disenrollment.
  5. This Act does not provide a retroactive benefit and therefore does not require insurers to cover young adults under age 26 who had been previously dis-enrolled from a parent's policy.

This Act does not address extended Medicaid benefits for foster children and therefore those benefits will still term according to the state's eligibility requirements.

This is a welcome benefit for so many families and I appreciate your efforts in educating others about this issue.

Too Young to be Ill... A Practical Guide for Caregivers of Children and Young Adults
This guide was written in response to the many issues that have been identified by the Patient Advocate Foundation (PAF), as we have assisted millions of patients and caregivers across the United States who were faced with illnesses and subsequent access difficulties. Many of those patients and caregivers who found themselves trapped in a maze of access issues, financial worries and emotional strain could have benefited from the preemptive information contained in a comprehensive guide to navigating the healthcare system.

Insure Kids Now!
A program of the Department of Health and Human Services, this site provides information for low-cost insurance programs across the nation for children.

For Patients in California
Department of Managed Health Care
California HMO Help Center

Main Phone: 1-888-HMO-2219

The HMO Help Center at the Department of Managed Health Care is for California residents to explain their health care rights and help them understand how to use their health care benefits. We make sure that health plans follow the law and address member complaints on time.