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Health Care Advocacy Group Files Complaint Against its Own Insurance Carrier

A Champaign group committed to fair and reasonably priced health care has filed a complaint against its own insurance carrier.

Champaign County Health Care Consumers says premiums for its five staff members have gone up about 25-percent on average over the last 4 years. Executive Director Claudia Lenhoff said the group's complaint before the Illinois Department of Insurance against PersonalCare also contends the provider is discriminating based on age and gender. Lenhoff said when contacting the company, she's told that the higher premiums are based on usage.

"You see the higher charges for females compared to males, and they usually say that that's because women are going to have more medical expenses, if they're going to have babies and so on," Lenhoff said. "All the women on staff have never had any children. That doesn't effect our usage. And so, we think that these are pricing schemes that PersonalCare has been able to get away with."

Lenhoff said the higher rates have put her organization in financial jeopardy. The group's Allison Jones says her employer is now paying more than $520 month for her coverage.

"I really feel like they're destabilizing my job," she said. "They're putting my job at risk. I see the numbers and I know how much the salary is for someone who works in a non-profit. I feel really greatly that 100% of my insurance premium is paid for. But I know that's just a ticking time bomb. It's not going to last forever."

Meawhile, Lenhoff said her staff is getting a number of calls from others in the community also using PersonalCare whose rates have gone up considerably. She says this and other complaints will prompt the Department of Insurance to contact insurance companies, and let them know they're monitoring their rate increases. And a bill going before an Illinois House committee next week would give that department review authority over rates. Urbana Democrat Naomi Jakobsson is a co-sponsor.