May 18, 2013

Dept. of Insurance returns more than $6 million in claim payments to consumers (AUDIO)

The Department of Insurance has returned over $6 million in claim payments to consumers who fiiled complaints against their insurance companies.

Department of Insurance Director John Huff says the department has had a strong first quarter this year helping consumers recover from their insurance companies and receive their claim payments of more than $6 million on claims ranging from health, auto, and homeownership.

He says he encourages consumers to file a claim even if they feel like they’ve run out of options; if their claims have been denied by their insurance company, or they feel that their settlement is unfair.

“Through our Consumer Affairs Division, we have consumer service representatives that answer phone calls, and take e-mails, and written complaints against insurance companies and then they help mediate those issues,” Huff said.

Huff says the monetary claims can then be resolved between the consumer and their insurance company. He says the top reason for complaints in the first quarter of 2013 is claim denial. Delay of claim processing and unsatisfactory offer were not too far behind. Health insurance had generated the most complaints with 309 formal complaints, followed by auto and homeowner insurance complaints.

“We have two teams: one for property and casualty claims, which would include homeowners and auto claims; and then we have life and health claims which would inclue annuities and health insurance,” Huff said.

Consumers with complaints or questions about their insurance agent or company call the department’s Insurance Consumer Hotline for more information at 1-800-726-7390 or visit www.insurance.mo.gov.

 

 AUDIO: Mary Farucci reports. (1:02)

Consultants tell GOP legislative leaders public wants Medicaid expansion (AUDIO)

A survey run by pollsters often used by Republicans suggest GOP legislative leaders are running against the public tide in  opposing Governor Nixon’s proposal to expand the Medicaid program. The survey by American Viewpoint says the Governor’s approval rating is much higher than the ratings for Republicans in the legislature.  And it says 47% of voters favor Medicaid expansion outright and 56%t endorse it after learning more about its economic and health aspects. 

It warns that swing voters might find Republicans less attractive as candidates if the legislature does not go along with the governor’s push for expansion of the program.  In a memo to Republican legislative caucuses, two officials with American Viewpoint  say, “There are fights to be had with the governor, but this shouldn’t be one of them.”   They note the Governor’s favorable rating from the public (61% approve, 21% disapprove) is significantly better than the public perception of Republicans in the legislature (43-43%, evenly divided on the approval/disapproval ratings).

The survey, commissioned by the Missouri Hospital Association, also shows almost one-fourth of Missouri voters have been uninsured at some time in the last five years and 57% of those voters favor the expansion with the number climbing to 65% when they learn more about it. And it says 57% of those with insurance know somebody who is insured, with more than half of those voters favoring expansion, with the figure going up to 61% after getting more information.  “These voters don’t just see the uninsured as welfare recipients, but rather as their neighbors,”  say consultants David Barklage and Randall Gutermuth.

Senate leader Tom Dempsey’s position remains unchanged, though. “I was opposed last year, opposed throughout the year, was opposed in November, was opposed in January, am opposed today,” he says.

Gutermuth and Barklage say Republicans should not let governor Nixon blame them for failure to expand the program. Instead, they say, Republicans should “take ownership” of the issue and make real reforms to Medicaid.  “The argument that this proposal will hurt GOP legislators with their base is extremely overstated,” they say. 

AUDIO: Dempsey interview 4:09

Senate Sends Second Injury Fund fix to House (AUDIO)

Tens of thousands of Missourians who have suffered disabling injuries at work are closer to getting their benefits from the Second Injury Fund. The Missouri Senate has approved its plan to pump millions of dollars into the fund for the next six or seven years to settle all valid claims.

Sponsor Scott Rupp of Wentzville says two intense weeks of negotiations have produced a measure that will pump millions of dollars into the insolvent fund to pay tens of thousands of claims that have gone without payment or processing for several years because the legislature in 2005 froze employer taxes at a level too low to support the fund.

The bill has a clause putting it into effect as soon as the governor signs it. Rupp says that should cause money to flow into the fund during the last half of this year so some long-standing claims can be paid.

AUDIO: 3rd Reading debate 12:48

Second Injury Fund debate pauses (AUDIO)

The state senate has stopped debate, for now, on fixing the deeply-indebted Second Injury Fund. The program covers workers with previous injuries who are injured again on the job. The taxes on employers, frozen in 2005, have left it with at least one-billion dollars in claims, no money to pay them, and thousands of claims waiting to be processed. Insurance premiums charged to employers were frozen eight years ago at a level far too low to make all the payments that the fund owes to injured workers.

Four days of debate have failed to bring a solution. One stumbling block is inclusion of occupational diseases, which Sen. Gina Walsh (D-St. Louis County) says don’t belong.

                                  AUDIO: Walsh :16   

Sponsor Scott Rupp (R-Wentzville) disagrees….

                                  AUDIO: Rupp :14

Rupp says the week of negotiations has brought the two sides closer together. He says it’s time to take a few days off, do some more talking, and get back to what he hopes is concluding debate next Tuesday.

Koster prefers Second Injury Fund die; will take money if it doesn’t

The state senate is bogged down in debate on re-financing the Second Injury Fund, which is facing about 30,000 claims and one-billion dollars in unfunded liabilities. Senators took a break at mid-day for committee hearings but plan to return to the chamber at 5 p.m., hoping to get first-round approval on the bill.

Attorney General Chris Koster, whose office handles Second Injury Fund cases, says, “My  preference is that we close the fund.”   But he’ll accept legislative action that continues it with funding to deal with the thousands of cases and hundreds of millions of dollars in claims against it. “What I care about is that mathematically whatever their decision is works for the people of Missouri. Just take a realistic look at this thing; give us a direction to proceed that allows this fund to take care of the workers that have been injured,” he says.

AUDIO: Koster interview 1:23