Insured But Not Covered - Spokane, North Idaho News & Weather KHQ.com

Insured But Not Covered

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It's no secret that America's health-care crisis is getting worse--more than 40 million people have no insurance at all. But Consumer Reports says there's another group of Americans--millions of people who have insurance, but still can't afford the care they need--the underinsured.

Consumer Reports surveyed almost 3,000 people. Roughly 20 percent say they have changed plans about jobs, retirement, even marriage because of health insurance. In order to pay bills that insurance didn't cover, these people--who have insurance--told Consumer Reports that they had to dig deep into their savings or defer needed home and car repairs.

Consumer Reports says you are not completely at the mercy of your health plan's decisions on coverage and payment. You have certain rights under state or federal law to appeal health-plan decisions you think are wrong. You can get complete information free of charge in "A Consumer Guide to Handling Disputes with Your Employer or Private Health Plan."

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