Outrage #4: ESP Required

Your insurance only covers the emergency room visits …(wait for it)… that you got approved in advance.

Solution: No Advanced Knowledge of Emergency Required. Plans that cover emergency room cannot require pre-authorization or in-network hospitals for emergency room visits.

Outrage #3: No One Reads It or Understands It

Your insurance policy is a riddle wrapped in an enigma that you unravel only when you are sick and scared and you need it.

Solution: Summary of Benefits: Starting in March, 2012, insurers and sponsors must give customers a summary of benefits in a format prescribed by regulation.