As we were going to press, legislators were weighing whether to extend the subsidy contained in the American Recovery and Reinvestment Act of 2009 (the stimulus) that allowed thousands of unemployed workers to maintain COBRA coverage.
One way not to manage utilization would be to cut it off entirely. No matter how the COBRA debate plays out (we bet that it will have been extended by the time you read this), clinical executives and administrators have an interest in seeing that the unemployed are not also uninsured. Let’s face it: Insurers don’t want to lose covered lives.
But much more important is the human issue — people need care. Subsidized COBRA keeps beneficiaries on the membership rolls, but how exactly to do it?
Jaan Sidorov, MD, a member of our Editorial Advisory Board, says, “My colleagues in the insurance industry need to pay attention to this because this is another corner of their premium income that has been supported by the feds and that is now threatening to go away. While the industry would probably prefer to ride this gravy train, this speaks to the fickle nature of doing business with the government: It’s stop-and-go laced with brinkmanship.”
COBRA is a societal issue. The federal government, through action and inaction, contributed to the mess that we are in now, and it shouldn’t turn its back on those who are truly and intensely suffering because of its shortsightedness.