Edwards plan will stop insurance abuses

Former Sen. John Edwards (D-N.C.) this week presented a new plan that he says will stop health-insurance companies from abusing customers, according to an article on his Web site.

“Right now, even families that have health insurance are often unprotected from catastrophic events, as insurers reject legitimate claims, impose coverage caps, and look for technicalities to cancel policies,” he said.

“The truth is, the American health care system is broken because wealthy health insurance corporations and their lobbyists have rigged the system against the American people,” Edwards said. “I have spent my entire life fighting and beating those same special interest groups to protect the rights of regular Americans, and that’s exactly what I’ll do as President.”

Edwards is the only candidate who has not taken campaign money from health-industry lobbyists, the article says (and which I think is true, but could not be independently verified).

“Under the Edwards plan, insurance companies will be required to sell insurance to everyone, regardless of their pre-existing conditions, and prevented from denying coverage after a condition develops,” the article reads. “Edwards will put a stop to the practice of charging more to individuals with certain occupations or with pre-existing conditions, and will set national accounting standards requiring insurers to spend at least 85 percent of their premiums on patient care. Edwards will empower consumers by forcing insurance companies to be more honest and transparent about what they will ultimately cover and making sure all insurers guarantee comprehensive benefits. Edwards also called for an updated bill of rights for patients and providers.”

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