Anthem tweaks controversial ER policy
Providers worry the policy will cause patients to avoid the ER even when necessary for fear of receiving a big bill.
After facing pushback from healthcare providers and lawmakers, Anthem tweaked its controversial emergency room program that doesn’t pay for patient ER visits if conditions are later determined not to have been emergencies.
Indianapolis-based Anthem said it has made several exceptions to the ER program so it will always pay for some types of visits. Those exceptions include cases where a patient is directed by a healthcare provider to go to the ER; the patient is under 15 years old; the patient is traveling out of state; or the patient received any kind of surgery, IV fluids or IV medications, or an MRI or CT scan.
Anthem said the changes went into effect Jan. 1. It will apply the exceptions to any previously denied claims, and will overturn decisions if the new guidelines would have resulted in an approval. Anthem also said it will request medical records from the hospital when reviewing a claim.
But providers argue the changes are not enough to mitigate the harm that Anthem’s policy is causing patients.
The changes “do not address the underlying problem of putting patients in a potentially dangerous position of having to decide whether their symptoms are medical emergencies or not before they seek emergency care, or pay the entire bill if it’s not an emergency,” Dr. Paul Kivela, president of the American College of Emergency Physicians, said in a statement.
Under Anthem’s avoidable ER program, the insurer doesn’t cover emergency department visits for conditions that, after a review, it decides were not emergencies. Anthem began rolling out the policy in several states last year, but it has been present in some parts of Kentucky since 2015. Providers say Anthem makes its determination based on a list of 1,900 diagnostic codes and not medical records.
Since the policy went into effect, some patients have been left on the hook for hospital bills upward of $13,000, according to sources.
Of course, some ER visits are avoidable. U.S. healthcare spending continues to climb, topping $3.2 trillion in 2015, or nearly $10,000 per person, according to the CMS. Emergency department spending is a piece of that, albeit a small part, despite public belief to the contrary. ER visits rose to a record high of 141.4 million in 2014, according to the Centers for Disease Control and Prevention. But the CDC also found that only 4.3% of ER visits were because of non-urgent symptoms that year. Other studies back that up.
Anthem said the policy, which has been implemented in Georgia, Indiana, Kentucky, Missouri, New Hampshire and Ohio for commercially insured patients, is meant to encourage patients to seek care in appropriate settings, but providers worry the policy will cause patients to avoid the ER even when necessary for fear of receiving a big bill. They say basing payment off of final diagnostic codes fails to consider the circumstances surrounding a patient’s decision to go to the ER.
Sen. Claire McCaskill (D-Mo.), who in December wrote to Anthem’s former CEO questioning whether the policy violated state and federal laws, told Modern Healthcare on Thursday that despite the recently implemented changes, Anthem is still “putting the onus on someone who has no medical training to determine whether or not they should go to the ER.”
She said she will continue to look into the policy, noting that UnitedHealthcare also appears to be considering a similar ER program.
“We’ve got to stop this in its tracks,” she said. ●