Altman says insurers should consider referring the worst cases
to
Pennsylvania’s top insurance regulator is
warning health insurers in the state that some doctors and dentists have been
sending patients inappropriately high COVID-19-related bills.
Jessica Altman, the Pennsylvania insurance
commissioner, says in a new notice that the Pennsylvania Insurance Department
has been seeing two main types of potentially inappropriate bills.
One is dentists imposing extra charges for
masks and other personal protective equipment and supplies.
The second is laboratories or other testing
companies charging very high prices for tests for the virus that causes
COVID-19.
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Some dental plans may have provider agreements
and coverage contracts that let dentists pass personal protective equipment
costs on to the patients, but other plans may not, Altman writes in the new
notice, Notice 2020-19.
Similarly, Pennsylvania does let doctors and
testing companies set COVID-19 prices, according to the notice.
But, even if doctors have warned patients
about the testing prices, by posting the prices in their offices, “some
laboratories or other testing services are charging amounts that are well in
excess of their costs,” Altman writes. “Even if the charges are publicly
posted, the amount may be considered improper price gouging.”
If a health insurer or dental insurer
finds in-network providers engaging in either of those billing
practices, the insurer should see if it can use the terms of the provider
agreement to get the providers to stop doing that, Altman says.
“Where the provider engaged in either of these
billing practices is not in a health insurer’s network, or where any action
taken does not result in a resolution that avoids imposing costs on insureds,
the health insurer may wish to consider making a referral to the Office of
Attorney General at pricegouging@attorneygeneral.gov,” Altman says.
Insurers should also consider warning
consumers about the problem billing practices, and it want to provide tools
consumers can use to file complaints, either with the insurer or with the
state’s attorney’s general office, Altman says.
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