Want to attack any process with a track record that is pretty good, considering the circumstances and alternatives? Look for individual instances of shortcomings and vaguely generalize them, making it appear that things are far worse than they really are. Given the complexity of insurance benefit designs and cancer coverage, the topic is perfect for this type of gamesmanship. And this is exactly what the Kaiser Family Foundation and the American Cancer Society (ACS) did here. By lining up 20 cancer victims who got tangled up in insurance benefit designs, the unsuspecting reader would conclude that when it comes to cancer, commercial insurance companies are either hopelessly broken (‘individuals may not be protected from high out-of-pocket costs’) or evil (force patients to ‘incur debt in order to pay for care…. or forgo or delay lifesaving treatment’).
Out of network doctors lead to medical debt: Many doctors choose to be out of network because they refuse to accept the insurers’ fee schedules, putting patients in the middle.