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“Right now, the deck is stacked against patients,” “Healthcare reform is not going to change the ball game.”

By Lisa Girion, Los Angeles Times - (October 2010) "Yet a patient’s ability to fight insurers’ coverage decisions could be more important than ever because Congress, in promoting cost containment and price competition, may actually add to the pressure on insurers to deny requests for treatment. "By requiring insurers to cover everyone, regardless of pre-existing conditions, healthcare reform will make it more difficult for insurers to control their costs, or “bend the cost curve,” by avoiding sick people. That leaves insurers with the other big cost-containment tool: turning down requests to cover treatments. “There are going to be a lot of denials,” said insurance industry analyst Robert Laszewski, a former health insurance executive. “I am not setting insurance companies up to be villains. But we are telling them to bend the cost curve. How else are they going to bend the cost curve?” Experts said the legislation under consideration does not significantly enhance patient protections against insurers refusing to cover requests for treatment. Most people currently have no right to challenge health insurers’ treatment decisions by suing them for damages."