HOLD INSURANCE COMPANIES
ACCOUNTABLE (HICA CAMPAIGN)
In early 2011 the EDC initiated the Hold Insurance Companies Accountable Campaign (HICA Campaign) as a response to a number of insurance companies that are categorically denying residential treatment for eating disorders. We later expanded the HICA Campaign to include all denials of eating disorder treatment, regardless of the level of care you were denied.
Mental Health Parity requires that any group health plan that includes mental health and substance use disorder benefits along with standard medical and surgical coverage must treat them equally. According to the nationally recognized law firm of Patton Boggs, the statute is clear that limits on the scope and duration of treatment must be applied no more restrictively in the mental health benefit than in the medical/surgical benefit. The statute defines treatment limitations as "limits on the frequency of treatment, number of visits, days of coverage, or other similar limits on the scope or duration of treatment."
Not complying with the parity regulations is a calculated effort to avoid costs at the expense of people's health and lives. The EDC argues that treatment should be determined by severity and type of illness, rather than what is arbitrarily allowed by an individual's insurance company.
You deserve access to care and we look forward to helping you gain justice in that regard. Through legal and political advocacy, the EDC's Hold Insurance Companies Accountable Campaign is working with specialized attorneys and experts in the field to put an end to such discriminatory and deadly practices.
What YOU Can Do:
1. Write to your insurance commissioner: Insurance commissioners have the responsibility for protecting the interests of the consumer. They need to hear from those of you who are not receiving needed treatment because insurance companies refuse to pay. The more people who write the bigger the impact. So write your commissioner today! See attachment for your commissioner's contact information.
Email the EDC at EDCHoldsInsuranceAccountable@Yahoo.com to let us know you sent a letter (attach a copy of the letter you sent if that is possible).
2. Email the EDC your experience with insurance companies not covering your treatment for eating disorders. Write a few paragraphs summarizing your denial. Be sure to include the insurance company, what state you live in and the reason given for denial. EDCHoldsInsuranceAccountable@Yahoo.com
3. Call your Members of Congress. A key role of legislators is to take care of constituent concerns. In fact every Member of Congress has staff hired specifically to do so. If your insurance company is stone walling care legislators need to know and may be able to help. To look up your legislators for the Senate go to www.senate.gov and for the House go to www.House.gov.