Understanding Health Care

" District every one I'll tell you about my next guest at today's -- introduce you to the end he the unique take on all this health care debate. What are the biggest problem he says that that. Many of us cannot understand. -- current insurance policies people win his state Rhode Island. Read on average and eighth grade level probably nationwide at -- statistic but insurance policies. Are written at a college level or higher yeah. Master's degree or Ph.D. understand this crap folks so next year all policies are going to be re written. At the eighth grade levels say you know what hoops you have to jump in and get your claims paid by your insurance company. I don't -- into the diamond district John Logan is executive council for the Rhode Island health commissioner. She got it take you so much -- this set that article that you wrote in when you quoted some of the insurance policies. Read it like I talked to try to figure out what the heck they were trying to stay."

" It's pretty incredible as -- it. Most policies actually are are written it you know those are representative samples that are not they're not can't cherry -- And and I don't know if you've ever tried to read your health insurance policy but I I've tried read mine and I wrote a lot of fathers and they're pretty difficult."

" So did the insurance companies do this on purpose so you don't know old. What you have to do to get it -- cover because and they turnaround they probably didn't get this -- optimization and and you didn't go to this facility that was covered or do they do it because they active. Protect himself legally."

" Well I think it I don't think it's intentional. I'd I'd like to believe that if not but I really I really truly don't believe that it's intentional. I think that what happens is. Policies are developed. -- into the -- develop the coverages to develop and then be out lawyers and the technical specialists get a hold. Of the faulty documents and write them to try to protect themselves to try to make them as technically correct it's possible. Right and the end result is that unfortunately. The policies kinda tend to be written for the lawyers and technocrats and not for people like you make."

" Still -- know it's great to hear he is this I'll. Long now this is going to take effect in Rhode Island I actually this morning. Fill out a small claims court. In new Jersey state the form was so easy to read. They explained everything I was really -- it made me think of the F predict your trying to do there in your state."

" Fight this loss going to take effect next August were given the insurance companies about a year to get up to speed the starting next August every policy that either if you knew. Or renewed we'll have to meet this standard."

" OK so when does this. I have been closed up across all the state -- I'm sure I can't understand my insurance policy here."

" Well unfortunately. This laws only in fact going to be in effect in Rhode Island the Op Ed piece I wrote. Yesterday's was. Trying to get the word out that that this is what Rhode Island is done and and if it's going to be national health care reform that they ought to consider doing this is part of that if they're not. It it you know I think the states should should look at their own circumstances and try to decide whether this is something that they would like him."

" How will this help the consumer."

" Well as you pointed out when when you were filling out that form your talking about it was very easy to fill out you understand what you're saying. -- we hope that. Consumers around we'll have the same sort of he's in filling out there claims forms they reading their health insurance policies filling up their applications. How we think that this will make it easier for consumers to understand. What it is they're buying. They'll make it easier for them to understand what their coverage is an easy make it easier for them to love maker claims and explain to the company. Why they think they are copper and -- to make it easier for the companies to explain. To folks why does not cover for certain."

" Things yeah yeah they should do they ask her out mortgage applications too because apparently that people could -- understand what they wear out by -- with all those that. Housing loans John thank you very much John cogan is executive tell you look for the Rhode Island. Health commissioner. Thank you."