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Health Care

CCAG has been fighting corporate greed in healthcare for years, and the recent murder of United Health's CEO has sparked an outpouring of rage against the US health insurance system. As US Senator Chris Murphy said recently, “the business model of the healthcare industry is to deny medically necessary care, and force people into bankruptcy or let them die - all in pursuit of profits.” This winter, CCAG is continuing the fight against healthcare greed, building momentum and groundswell support for progress this legislative session, and working with allies to prepare for the fight against federal cuts to Medicare.
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CLICK HERE FOR 2024 LEGISLATIVE HIGHLIGHTS
CLICK HERE FOR 2023 LEGISLATIVE HIGHLIGHTS

Speak Out Against Healthcare Greed! 

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Recent events have shown just how many Americans have direct and painful experience with the health insurance strategy of “guarding against unnecessary care.”
 
This is actually how insurance companies, in pursuit of ever increasing profits, deploy claims denials and other tactics. Your health is not their concern.

Want to join the fight? Click here to share your own healthcare story with CCAG and to sign up to receive healthcare updates and take part in coming actions.

We will be offering new events that uncover and explore healthcare greed. We will also share ways you can take part in the decision making this legislative session with CCAG and allies as we work for a strong Public Option for healthcare and to address insurance company’s abuses of prior authorization.

CCAG has been fighting healthcare greed since our founding more than 50 years ago. We are not stopping now, and we will be working this legislative session for real wins for Connecticut families.

Too many of us are being denied care – by insurance companies getting between us and our doctors.

 Enough is enough. Share your story and join the fight.


Still fighting your claim denial?

Contact Connecticut's Healthcare Advocate. You can request assistance getting insurers to pay their share of a medical bill or claim, appealing  denials, understanding health insurance plans and options and resolving enrollment issues

And check out Pro Publica's guide to requesting your health insurance claim file, which can include details about what your insurer is saying about you and your case.



What Hospital Consolidation Means for Our Health: Part 2 of the CCAG Healthcare Explainer Series

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Thank you to everyone who joined us for this important meeting leading up to the 2025 legislative session which convenes on January 8th.

With your help we are building the groundswell support it will take to fight against
 how greed affects our access to healthcare, and what we can do to combat private companies putting profit over their patients.

Featured Speakers included:
Brennan Bilberry, Fairmark Partners LLP
John Brady, American Federation of Teachers
Ernies Davis, Leukemia & Lymphoma Society
Ayesha Clarke, Health Equity Solutions
​
Watch for Part 3 of the series coming up soon. 

For questions, comments or to join the campaign,  contact Liz Dupont-Diehl at: Ldd.ccag@gmail. com
​ 


Don’t Believe the Ads: Medicare Advantage Open Enrollment Warning

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"No patient or family should have to fight Artificial Intelligence for the care that would be provided under traditional Medicare," said Gloria Bent, describing the denials of care that her husband experienced under Medicare Advantage before his death.

“Medicare Advantage plans seem valuable at their outset, but far too many members of these programs find themselves struggling,” said Senator Anwar. “They join programs expecting low costs and high quality service, but all too often find themselves denied services and experience delays due to their insurance approvals, all the while paying spiking costs. They’re great plans for people who don’t need much medical care; once that care becomes necessary, those paying into the programs suffer. We need better systems that protect people and we need to prevent Advantage plans from negatively impacting even more patients.”

Watch the full press conference here: https://fb.watch/uZmbG3bYCQ/



The CID decision is in, thank you to everyone who took action! 

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Health insurance companies asked the Connecticut Insurance Department (CID) for its blessing to raise your rates - again.

The CID heard you and on September 6, they issued their final rulings on 8 health insurance rate filings for the 2025 individual and small group markets. These were for plans that currently cover about 200,000 people.

The average rate increase requested in the individual market was reduced by 29% from the requested 8.3%, resulting in an average increase of 5.9%. The average rate increase requested in the small group market was reduced 35% from a requested average of 11.9%, resulting in an average increase of 7.8%.

​There is still more work to do. CCAG released a press statement:  "We appreciate the Insurance Department rolling back the proposed health insurance rate hikes and placing a cap on profits on health insurance. However, prices are still too high.  The review did not adequately analyze how vertical integration impacts rates and did not place limits on this. The legislature needs to give the Department the tools to do this analysis and limit insurers' schemes to profit at every level."

We are pleased that the hikes have been mitigated to a degree.
Clearly, our government needs to act in a much stronger manner to rein in these corporate profiteers.
​
  • Read the CID Announcement
  • Read the Rate Filings Fact Sheet
  • View CCAG's press release & report  revealing 2023 spending by just four health insurance companies on profits, CEO pay and stock buybacks. They are making billions by rejecting your claims and raising your rates.
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​Stay tuned for updates and future action! 


Legislative Wrap Up Highlights on Healthcare for the 2024 Session 

Our healthcare supporters will recall that the unprecedented failure of the Insurance and Real Estate Committee to vote out ANY bill, left much for us to continue to work on in the future. In spite of the IRE committee failure, we were all still able to get a few significant wins. 
 
CCAG and allies fought against Association Health “Plans” (AHP’s), which are not even actually insurance and are not legal in Connecticut. They have been shown in other states to result in discriminatory pricing based on age, race, or disability, and destabilize the health insurance market. We presented highly public opposition against this horrible concept with hundreds of calls from the public and are happy to say that any bill that would have included AHP’s failed to pass.  
 
 SB 181 AAC Emergency Department Crowding will begin to address this growing issue by following the recommendations of a working group to provide detailed information to the state on numerous factors including boarding which leaves admitted patients in the ER that are contributing to the problem.
 
SB 395 AAC the Reporting of Medical Debt. Passed and prohibits health care providers and hospitals from reporting a patient's medical debt to consumer reporting agencies (CRAs) for their credit report on and after July 1, 2024. It also voids any portion of such medical debt that is reported to the CRAs. 
 
SB 5005 AAC Expanding Paid Sick Days in the State. Passed and will expand coverage in three phases by lowering the threshold to qualify from companies with 50 or more employees to those with 25 or more on Jan. 1, 2025; to 11 in 2026; and to one in 2027. The benefits will apply to nearly every worker in the state by 2027.
 
Special thanks to She Leads Justice, Working Families in Connecticut, AARP CT, individuals and legislative champions who fought for and won passage of this expansion which goes into effect Oct. 1, 2024.
 
The Stop HUSKY Discrimination Coalition won a first-in-the-nation mandate for timely wheelchair repairs and a mandate for hospitals to begin to acquire certain diagnostic equipment. 
 
HUSKY4Immigrants did not succeed in raising the age of coverage for people who are not 
documented up to age 18, but did garner significant support and built momentum for expansion next year.  
 
For more information on CCAG’s healthcare work, please contact Liz Dupont-Diehl at [email protected].


​Connecticut residents are finding it more and more difficult to afford the health care they need.  CCAG continues to play a unique and necessary role in calling out the greed of for-profit companies that divert billions of dollars from your care to making wealthy shareholders and executives even richer.  Be sure to check this site often for updates and action! 


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Junk Health Plans. CCAG and allies have been fighting Association Health “Plans”, which are not even actually insurance and are not now legal in Connecticut. Representative Kerry Wood and CBIA have been pushing for these junk plans. They have been shown in other states to result in discriminatory pricing based on age, race, or disability, and destabilize the health insurance market.

Fortunately, this year’s bill, HB 5347, did not advance out of the Insurance and Real Estate Committee. CCAG issued a call to action on the anniversary of the Affordable Care Act against this horrible concept, and will remain vigilant to ensure they do not re-appear in another form by the end of the session.


SB 181 AAC Emergency Department Overcrowding will begin to address the growing issue of emergency room overcrowding by following the recommendations of a working group to provide detailed information to the state on numerous factors including boarding, in which hospitals opt to leave admitted patients in the ER that are contributing to the problem. UPDATE! Bill passed and is on it's way to the Governors desk. 
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Medical debt. As part of its state budget, the Lamont administration has proposed a $20 million investment to eliminate medical debt for households with an income up to four times the federal poverty level or whose medical debt amounts to at least 5% of their annual income. The governor’s office expects a total of 250,000 residents to benefit.

CCAG also supported a number of bills which would address medical debt by requiring hospitals to better provide and inform people about assistance, promote affordability as criteria in the CT Insurance Department’s rate review, to revise the Certificate of Need process to provide greater accountability and transparency.

SB 395 AAC the Reporting of Medical Debt will prohibit the reporting of medical debt to credit rating agencies and impose penalties via reduction or withdrawal of Medicaid funds to the extent permissible under federal law. UPDATE! This bill passed & is on it's way to the Governors desk. 
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SB 180 AAC Adverse Determintation and Utilization Reviews would put the burden of proof for denying medical claims where it belongs - on the insurance company. 

After ProPublica’s reporting last year, How Cigna Saves Millions by Having Its Doctors Reject Claims Without Reading Them, UnitedHealthcare and Cigna Healthcare are facing lawsuits from members or their families alleging that AI wrongfully denied medical claims.

SB 180 would be a critical step in addressing this perversely incentivized system wherein insurance companies practice medicine without a license and deny people the care their doctors recommend in order to garner these obscene profits. This bill would need to pass both chambers by midnight on May 8th. 
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Private Equity. CCAG testified in favor of bills requiring study and reporting on the extent and details of private equity ownership of health care facilities (HB 5319) and of nursing homes (SB 318). Both health care practices and facilities and nursing homes are increasingly being bought by private equity, even while outcomes and care are shown to plummet under the short-term, intensive focus on profit that accompanies such ownership.
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SB 433 Racial Equity in Public Health Commission Recommendations focuses on racial equity in public health by developing plans regarding public policies and rule setting, hiring, and contracting to begin redressing the harms from decades of institutional racism. CCAG applauds its emphasis on community engagement. This bill as written did not move forward this year in it's current form.  


Public Hearing: Raise the Age for HUSKY for Immigrants! Wednesday February 21st, 2pm

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Over the last 3 years, as part of the HUSKY4Immigrants Coalition, CCAG helped to expand HUSKY Healthcare to kids under 15 and pregnant people We know health needs don’t stop at 15, so we’re ready to make noise again

The Appropriations Committee has called a Public Hearing on Wednesday February 21, at 2pm where individuals can speak out on what services our state should fund! We’re asking everyone to submit testimony asking the Appropriations Committee to fund HUSKY for immigrants up to age 18 in this year's budget

YOUR VOICE IS NEEDED. The deadline to submit testimony is  February 21st by 10am!

Here is a "Testimony Writing Form", which allows you to easily and quickly draft your testimony! 



HEALTHCARE 2023 


Activsts Take Action to Stop Health Insurance Greed (10/11/23)

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Health insurance companies are making trillions by denying people care. Take action here! 

Wall Street is happy - but people are suffering, as for-profit insurance companies reject care recommended by doctors to ensure their profits, executive pay and stock buybacks.
Join us to march on two main offenders in Hartford - Aetna and UnitedHealth. Their CEO salaries and stock buybacks will curl your hair. And they are taking public money for Medicare Advantage meant to provide healthcare for seniors, people with disabilities, and poor people -- and instead using it to pad executive salaries and profits by denying medically necessary care.

On October 11th, we will gather and march outside of Mother Aetna on Farmington Ave., and continue to UnitedHealth on Asylum St. A bus will be available.
We hope to see you there! RSVP and details here. ​


CIGNA Week! July 2023 
​

For the next four weeks we will bring you details of how Anthem - now Elevance; CVS Health, UnitedHealth Group and Cigna -  have used $400 billion of premiums and tax dollars to enrich themselves and shareholders. 

CEO David Cordani raked in $37 million in compensation in 2022 and spent tens of billions buying back Cigna Healthcare's own stock -- now he wants CT to raise premiums to pay for it. 

Tell CT,  ENOUGH IS ENOUGH. 


Send your comments to the CID to say NO TO THE RATE HIKES NOW!

​Take Action to Oppose Health Insurance Rate Increases 

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Since the legislative session ended, health insurance companies have submitted their annual request to increase rates for individual plans and small businesses.

The Connecticut Insurance Department (CID) is seeking comments from the public, and then will have a public hearing in August.

Requested increases are as high as 23% – from companies that are spending billions of your premium dollars on executive pay, stock buybacks, and profits.

We are urging everyone to write to the insurance department and tell them to take into account profits, executive pay, stock buybacks, and vertical integration and mergers and acquisitions -- and to reject these requests.
 
Your comments will become part of the public record. Please email Liz at [email protected] to let us know you commented or if you have questions.​  

In the coming weeks, CCAG will reveal that 2022 spending by just four health insurance companies on profits, CEO pay and stock buybacks was just short of $400 billion.  
Clearly, government needs to act in a much stronger manner to rein in these corporate profiteers - stay tuned and watch your email for more information on how you can submit testimony and speak out at the public hearing!

Follow CCAG on Facebook, Twitter and Instagram for posts on this excessive greed. Be prepared to be shocked. We will reveal how the insurance companies who sought to derail the public option have spent billions of your premium dollars to further enrich themselves and already-wealthy shareholders.

Share Your Health Care Story!

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Many of us are not able to access health care, experiencing medical debt or high co-pays and deductibles, or unable to access insurance or health care at all.  

​CCAG wants to hear your story.
Fill out this form to schedule an appointment with a CCAG organizer. We will protect your privacy, and you can share your story anonymously if you wish.

We will use your stories to tell lawmakers that enough is enough, and demand they prioritize your health over the greed of the healthcare system.

We will also keep you updated about bills this legislative session on these issues, and of opportunities to take action this year and beyond.


Connecticut's 5 Families Campaign 

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Health insurance companies are making billions by denying you care.
 
Five of them sent  this letter to Governor Lamont in April 2021, threatening to move jobs out of Connecticut if we passed a Public Option.  It worked, and the Public Option was scrapped in the final days of the 2021 legislative session.
 
​CCAG is investigating, and bringing you information you need about the greed and profiteering of these companies. 

Three initial reports exposed hundreds of millions diverted from health care to CEO pay, lobbying expenses, and profits and stock buybacks.

Our first report, on CEO compensation, showed that those five companies paid their CEOs $137.7 million in the last year. Our second, Games Insurers Play: How Low Will They Go?, explores the tactics and money spent in the 2021 legislative session. It shows that the industry, these Five Families, and dark money groups who don't disclose their donors spent at least $1.3 million lobbying in just six months. Finally,  Pandemic Profiteering: Making a Killing on COVID, finds that what these companies reported in profits, and spent on stock buybacks, could have funded the entire state of Connecticut for two years.

CCAG updated these in August of 2022, showing Billions Spent on Stock Buybacks, Profits, and Executive Compensation by Health Insurance Companies Seeking Double Digit Rate Increases.
 
By adding thousands of small businesses and nonprofits to the state's Partnership Plan,  the Public Option proposed in 2021 would have offered affordable, quality coverage to tens of thousands of people.  Health insurance companies would still have had work administering the plan -- but it would have impeded the skyrocketing profits of the insurance industry.

It's time our lawmakers listened to the people of Connecticut, rather than millionaire insurance executives.

Make sure to like, follow and share our Five Families Facebook page,  share your health care story, and click here to take action and sign up for updates. 


June 1st, ​Restore and Expand our Health Care Safety Net!

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​Join us for the Recovery for All Solidarity Action with Striking Workers!

HUSKY for Immigrants, Expand Services to Save Lives Coalition, 1199 Home Care workers, and the Stop HUSKY Health Discrimination coalition are joining forces to support striking workers and demand a moral budget!


There will be a Story Wall display outside the Capitol, coordinated with stories shared on social media highlighting folks in the campaigns, their support for the striking workers, and their demand for a moral budget that includes all of the RFA issues. Health Care is a Human Right! FLYER HERE





February 21 Healthcare Hearings

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Human Services Committee Hearing, 11 am: HB 991, An Act Concerning Medicaid Reimbursement for Community Health Workers. Community health workers are known to be extremely effective in conveying critical health and wellness information - yet too many providers struggle to fund these critical positions, often relying on grants which are inherently time-limited.

Please submit written testimony in Word or PDF format here. Our partners, Health Equity Solutions, have provided testimony templates here, and Fact Sheets, here.

If you plan to testify via zoom or in person, register using this Online Testimony Registration Form by 3:00 P.M. Feb.  20th.The first hour of the hearing is reserved for public officials. Speakers will be limited to three minutes of testimony. The public hearing can be viewed via YouTube Live.

Insurance and Real Estate Committee Hearing, 2:30 pm
Bills being heard include;
  •  HB 983, An Act Limiting Anticompetitive Healthcare Practices, and HB 6620, An Act Promoting Competition in Contracts Between Health Carriers and Health Care Providers.  
HB 983, the Governor’s bill, gives the Attorney General authority to bring action against health care providers, health carriers or health plan administrators for various anticompetitive practices, and requires them to provide price and cost data to the Office of Health Strategy to to monitor compliance and support transparency.
  • HB 6629 would require a waiver from the Insurance Commissioner for anti-competitive practices including any an all-or-nothing clauses, anti-steering clauses, or gag clauses.

Click here to submit written testimony. The public hearing can be viewed via YouTube Live and CT-N.com.   Anyone wishing to testify must register using the On-line Testimony Registration Form by 3:00 P.M. February 20th. To register to testify by phone, call 860-240-0510 to leave your contact information.  

All of these bills are important. Join us in demanding that the health care profiteers -- health insurance companies, pharma, and hospitals engaging in anticompetitive practices -– are held to account.  

We need these bills, and beyond them – a review of the greedy practices of the health insurance industry. Demand that our taxes and premium dollars go towards keeping people healthy – not deepening inequality by making rich shareholders even more wealthy.

Just imagine if health insurance companies had paid for community health workers during COVID - instead of raking in billions in profits and spending billions more buying back their own stock.

In addition to testifying Tuesday, please like and share the Connecticut’s Five Families facebook page for continuing news of health insurance greed, and check out our update last August on their 2021 stock buybacks, executive pay, and obscene profits.




CCRG is helping improve Medicaid

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CCRG has partnered with People’s Action Inc. and the Robert Wood Johnson Foundation in a nationwide survey.  We are looking to interview anyone who has received or applied for HUSKY or CHIP since 2018.  

The results will be used to improve the experience and provide better coverage for people. We are also looking for the opportunity to table at events.  Please contact: CCAG Organizer, Quanisha Flippen 

CCAG Health Care Coalitions

CCAG co-chairs the Medicaid Strategy Group, a coalition of health advocates working together to improve and defend the quality and reach of HUSKY programs in Connecticut through administrative and legislative advocacy. Medicaid  is a vital source of health insurance for low-income families. Connecticut has a robust Medicaid program that should allow more people in the state to get the health care they need.  For more information, contact CCAG Organizer Quanishe Flippen. 

CCAG is also a member of Husky4Immigrants, a coalition of organizations around Connecticut fighting for policies to expand healthcare access to all immigrants regardless of status,  and to open eligibility to the HUSKY health program. CCAG and members have succeeded in making HUSKY insurance available to undocumented children aged 13 and under who are eligible, and secured it through age 18. It is a victory - but we will not stop fighting until all Connecticut residents have affordable, quality health care! For more information, visit facebook.com/HUSKY4IMMIGRANTS/

CCAG is also part of other coalition efforts for other related issues, including  lowering the cost of prescription drugs, battling the commodification of health care, promoting a public option, and ensuring all Connecticut residents have quality, affordable health care. 


Health Insurance Companies Seek Even Greater Profits

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Health insurance companies sought to raise your rates an average of  20% -- while spending billions on executive pay, buying back their own stock, and profits for already rich shareholders.

CCAG spoke out at a press conference and at the CT Insurance Department's hearing in August, and greeted lawmakers with a reminder that Insurance Greed Kills as they entered the public hearing.  Advocates and lawmakers cited our report as they challenged the requested increases.


The Insurance Department allowed increases less than the requested amount - but still too much, given that these increases come at the expense of your care. Join the fight - Share Your Health Care Story today!



2022: Health care for children                 

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In Connecticut, undocumented immigrants are unable to access healthcare coverage. They can’t buy into AccessHealth CT,  are not eligible for Medicaid or Medicare, and private insurance companies are either too expensive or outright reject applications from undocumented individuals.

Health care is a human right. We can and must to better. 

The HUSKY for Immigrants coalition won coverage for pregnant woman ,and children aged 13 and under, who are not documented,  beginning in January of 2023. These children will not lose coverage when they turn 18. It is not enough - we will fight until all people have quality, affordable health care. 


Access Health CT Enrollment

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  • Free help is available through Access Health CT, including navigators and application counselors.

  • Covered Connecticut is a new option that Access Health CT offers. For those who qualify, there are $0 monthly costs and $0 out-of-pocket expenses.

  • For many people, costs are lower now. Those who have considered coverage from Access Health CT in the past might be surprised by the current costs and would benefit from finding out their options.

  • Quick Enrollment Information
  • Online: Go to Access Health CT Annual Open Enrollment 
  • Call: 1-855-805-4325
  • ​ 
  • To learn more about Covered Connecticut, 
  • visit: https://help.accesshealthct.com/en_US/covered-connecticut-program


CONNECT WITH US ON SOCIAL

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Connecticut Citizen Action Group, 30 Arbor Street Ste 107, Hartford, CT 06106 
(860) 233-2181   - 
[email protected]t


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