BC Advantage - 2010 Issue 7

Don't be afraid of what you don't understand.

ERISA, The Employee Retirement Income Security Act, a Federal Law enacted more than 20 years ago is misunderstood or not understood at all by patients, doctors, and billers. Insurance companies understand it and use it to their benefit. They also know and understand State insurance laws and use them as they see fit, so that they can have the best of both worlds. They do this because they know few will recognize what they are doing and few will fight back. How do insurance companies use the best of both worlds? There may be a no balance billing HMO...

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