Physicians For Fair Coverage

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Insurance companies are shifting hundreds of millions of dollars in medical costs to patients each year -- costs that used to be covered by health plans. Patients are paying more for less health insurance coverage.

How This Happens

Along with higher deductibles, premiums and cost shares, insurance plans now have increasingly large surprise insurance gaps.  These insurance gaps appear when patients go to an in-network facility, and are later hit with surprise out-of-network medical bills for care they thought would be covered by insurance.  These insurance gaps are getting bigger as insurance companies are narrowing their provider networks and lowering physician reimbursements, limiting choices for patients.  At the same time, insurance companies are shifting more and more costs to patients through higher premiums, deductibles, cost-sharing and surprise bills that come from these growing insurance gaps.