In the confusing, tragic, unsettling whirlwind that engulfs a patient as they enter the hospital does anyone really stop and ask, “Are you my Physician?”

The Patient-Physician relationship is the basis for establishing a duty for the doctor to look out for the best interest of the patient. Patients can be tossed around like a football when they see their general doctor and a specialist is necessary, and then there may be a second opinion involved. Who is responsible for the patient?

Doctors can contract with a patient for specific outcomes, but there is also an implied contract that is effective the moment a doctor gives a diagnosis or makes a recommendation based on patient medical information. This implied contract obligates the doctor to look out for the best interest of the patient, including referral to another doctor if the patient would be better served by someone with more expertise in a particular field.

It is important to remember that in many instances, doctors check medical information looking for specific things that were ordered from another physician. For example, a woman sees a clincal physician who orders a genreder determination test from a hospital. The radiologist is only required to look for the gender of the fetus and not make any other diagnosis if he sees something abnormal. This situation shows that the radiologist does not have the formal patient-physician relationship because he did not assume the duty of caring for the pregnant woman, and the responsibility is still on the clinic. However, has the radiologist notified the clinic and assumed more responsibility then there could be an argument that he must look beyond the gender determination test and look out for the best interest of the patient.

It is a scary thought when you realize that a doctor could see an abnormality and ignore it, but it is necessary to ensure doctors do not get bogged down with multitudes of tests and patients when they expected a simple test, and it clears them of accepting liablility in case somthing negative comes out of an abnormality or adverse test result. It is in the patient’s best interest to set up appointments with specialists if they want to establish a more binding relationship instead of having a general physician order a specific test and leaving it up to the discretion of the doctors how much they want to get involved.

When patients push the issue of more expansive testing it is usually honored. It is equally important for patients to be aware of what they are seeking in terms of health care outcomes and ensure that they, within reason, receive a positive outcome. The first step in ensuring your doctor is bound to do his/her best for you is to make sure that you have established a patient-physician relationship and clarified the what tests and outcomes you expect.

For more info check out this website http://www.calpatientguide.org/i.html

NOTE: if a patient is admitted to an emergency room and the on-call surgeon or physician who would have treated them is not avaialble within 30 minutes, then the patient has a case for suing the the on-call doctor for pain and suffering associated with the delay in treatment. See Millard v. Corrado.

This is meant to give a brief understanding of the different options a person has for Medicare. It is noteworthy that states vary and legal health professionals are best suited to plan a strategic way of using both state an federal programs that best suit your situation.

Summary: Medicare is the federal government health care and benefits program that provides prescription benefits, hospitalization coverage, and other health benefits. It is Broken into four main parts (A,B,C,D) and supplemental coverage programs. It is an important part of many people’s lives, especially those suffering from terminal illness or permanent disability.

Eligibility: In order to qualify for Medicare, the one of the following criteria must be met:

  • Age 65 or older
  • Diagnosed with permanent kidney failure known as End-Stage Renal Disease or disabled form ALS or “Lou Gehrig’s Disease” (there is a 3 month waiting period).
  • Qualified for Social Security Disability Insurance or (SSDI)
    • There is a 24 month waiting period after a person qualifies for SSDI
    • Parts of the SSDI guidelines require a certain number of quarters of tax contribution to the Federal Insurance Contribution Act (FICA). In certain instances, a person may qualify for SSDI due to the FICA contributions of a parent as a Childhood Disability Beneficiary (CDB) or as the disabled spouse of a deceased spouse.
    • Must be a legal resident of the United States
    • Each part (A,B,C,D) has spate premiums and co-payments, as well as different enrollment processes.

Medicare Program Part A: Hospitalization

Summary: Part A focuses on hospitalization and the related care, expenses. It is useful for those also seeking hospice or home health following a hospital stay.

Enrollment Process: A person is automatically enrolled if they have met the FICA contribution requirements for the Social Security Disability Insurance Program.

What’s Covered:

  • Acute Hospitalization
  • Limited skill nursing
  • Limited home health (following hospital stay)
  • Prescription coverage when administered during the hospital stay
  • Hospice Care

Limitations:

  • Does not cover custodial or long-term care
  • Individuals must meet the Social Security Administration’s definition of disability (See Blue Book)
  • Income cannot exceed 200% of the federal poverty level (FPL)

Costs:

Blood In most cases, the hospital gets blood from a blood bank at no charge, and you won’t have to pay for it or replace it. If the hospital has to buy blood for you, you must either pay the hospital costs for the first 3 units of blood you get in a calendar year or have the blood donated.
Home Health Care You pay:

$0 for home health care services

20% of the Medicare-approved amount for durable medical equipment

Hospice Care You pay:

$0 for hospice care

A copayment of up to $5 per prescription for outpatient prescription drugs for pain and symptom management

5% of the Medicare-approved amount for inpatient respite care (short-term care given by another caregiver, so the usual caregiver can rest)

Medicare doesn’t cover room and board when you get hospice care in your home or another facility where you live (like a nursing home).

Hospital Stay In 2010, you pay:

$1,100 deductible and no coinsurance for days 1–60 each benefit period

$275 per day for days 61–90 each benefit period

$550 per “lifetime reserve day” after day 90 each benefit period (up to 60 days over your lifetime)

All costs for each day after the lifetime reserve days

Inpatient mental health care in a psychiatric hospital limited to 190 days in a lifetime

Skilled Nursing Facility Stay In 2010, you pay:

$0 for the first 20 days each benefit period

$137.50 per day for days 21–100 each benefit period

All costs for each day after day 100 in a benefit period

Further Information at http://www.medicare.gov/

Medicare Program Part B: Outpatient Medical Services

Summary: Part B focuses on the costs for non-hospitalization expenses and covers a wide array of services including regular doctor visits and ambulance costs. It is one of the most valuable parts to the Medicare program.

Enrollment Process:

  • Automatic Enrollment: Enrollment is automatic with the option to decline the coverage. However, if you are under 65 and not working, then you will be charged a 10% penalty. It is advisable to accept coverage in most instances.
  • Annual Enrollment Period: The annual enrollment period is from January 1 to March 31- coverage begins July 1. If SSDI beneficiaries choose not to accept these benefits during the initial enrollment period, they may be subject to a late enrollment penalty, unless they are covered by an special enrollment period.
  • Late Enrollment Fee: You may be subject to a late enrollment fee of 10% for each 12 month period you do not accept Part B Medicare.
  • Special Enrollment Period:
    • If you are working for an employer who covers you under a their health plan and are eligible for Medicare Part B coverage, you can defer enrollment as long as you are employed.
    • If you are no longer employed, you have 8 months to enroll without penalties.
    • You are eligible for a program called Medigap for the 8 months and do not have to endure the pre-existing condition waiting period.
    • COBRA does not extend the 8 month window.

What’s Covered:

  • Doctor Visits
  • Outpatient medical services
  • Lab Tests and X-Rays
  • Medical Supplies and Equipment
  • Ambulance Services
  • Some preventative care services
  • Outpatient physical, speech, or occupational therapy
  • Some Home health care no covered by Part A

Premiums: Premiums are paid through the SSDI checks you receive or directly if the individual is not receiving benefit checks. For some beneficiaries, the premiums may be paid by Medicare Savings Programs such as:

  • QMB (Qualified Medicare Beneficiary)
  • SLMB ( Specified Low-income Medicare Beneficiary)
  • QI-1 (Qualified Individual-1)
  • QWDI?QD (Qualified Disabled  Working Individuals)

Costs:

Part B Deductible In 2010, you pay the first $155 yearly for Part B-covered services or items.
Blood In most cases, the provider gets blood from a blood bank at no charge, and you won’t have to pay for it or replace it. However, you will pay a copayment for the blood processing and handling services for every unit of blood you get, and the Part B deductible applies. If the provider has to buy blood for you, you must either pay the provider costs for the first 3 units of blood you get in a calendar year or have the blood donated by you or someone else.

You pay a copayment for additional units of blood you get as an outpatient (after the first 3), and the Part B deductible applies.

Clinical Laboratory Services You pay $0 for Medicare-approved services.
Home Health Services You pay $0 for Medicare-approved services. You pay 20% of the Medicare-approved amount for durable medical equipment.
Medical and Other Services You pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you are a hospital inpatient), outpatient therapy*, most preventive services, and durable medical equipment.
Mental Health Services You pay 45% of the Medicare-approved amount for most outpatient mental health care.
Other Covered Services You pay copayment or coinsurance amounts.
Outpatient Hospital Services You pay a coinsurance or copayment amount that varies by service for each individual outpatient hospital service. No copayment for a single service can be more than the amount of the inpatient hospital deductible.

Supplemental Medigap Plans

Summary: Medigap plans are designed to give coverge during waiting periods and involves commercial insurance plans. You must be enrolled in Medicare Parts A and B (Original Medicare). Medicare standardizes each program a gives a selection of plan A through L, with each plan having identical benefits but varying premiums.

Enrollment Process:

  • The Guarantee Issue Period also known, as the initial enrollment period for individuals under the age of 65 is 3 months before and 3 months after Medicare eligibility.
  • If you are under the age of 65 then you can choose from one of the 5 programs during the first six months of voluntary enrollment in Medicare regardless of health status. (With the exception of those suffering from ESRD, who are not eligible)
  • There is an option to change Medigap plans during a 30 day window after a person’s birthday, as long as the plan is similar in design.
  • If the HMO they are receiving the Medigap care discontinues that service then there is an option to change plans.

What’s Covered: The plan allows choice of physician, provides Medicare’s reduced co-payments and deductibles. There is much more freedom in which physician you can see as compared to the normal Medicare program.

Costs: Premiums may be higher than the normal Medicare plan, especially for those under the age of 65.

Note on Pre-Existing Conditions: There may be up to a 6 month waiting period for pre-existing conditions. However, the waiting period can be shortened, waived, or eliminated of an individual has had at least six months prior, continuous health coverage within the past 63 days.

NEW: Starting June 1, 2010, the types of Medigap Plans that you can buy will change:

There will be two new Medigap Plans offered—Plans M and N. 1.

Plans E, H, I, and J will no longer be available to buy. If you 2. already have or you buy Plan E, H, I, or J before June 1, 2010, you can keep that plan. Contact your plan for more information.

Supplemental Coverage: Medicare Savings Programs

NOTE: Medi-CAL automatically pays Part B Medicare Premiums making Savings Programs Obsolete in California.

Summary: A program administered by state Medicare offices for those eligible for Part A and B who demonstrate financial need. The programs cover all or part of premiums, Co-Payments, or deductibles.

Medicare Program Part C: Medicare Advantage Plans (MA)

Summary: Plan C is a part of the 2003 Medicare Prescription Drug Improvement and Modernization Act of 2003 (MMA). Covers many prescription drugs and covers in a similar way to the Medigap plans, but cannot be used at the same time as a Medigap plan.

Enrollment Process:

  • Must be enrolled in parts A and B of Medicare
  • Regular enrollment period is November 15th to December 31st for coverage that begins in January.
  • There is an additional period from January 1 to March 31 of each year, but if they have prescription drug coverage they cannot switch or enroll at this time unless they are covered under Part D.

What’s Covered: Part C acts more as a plan that reduced costs and can help lower deductibles and co-payments, as well as most plans covering large portions of the cost of prescription drugs.

Pre-Existing Conditions:

  • No waiting period for pre-existing conditions
  • It is advisable to apply one month before Medicare eligibility

Part C Plans:

Medicare Managed Care (HMO)
  • Requires the use of doctors, specialists, and hospitals within the plan’s network of providers
  • Individuals have lower co-payments then they would under original Medicare Plans
Medicare Preferred Provider Organization (PPO) May use doctors, specialists, and hospitals within the network, or choose a physician outside of the network but will pay more to do so.
Medicare Private Fee for Service
  • Individuals may use an Medicare approved doctor or hospital (Most doctors and hospitals do not accetpt his plan)
  • The insurance company decides what they will pay and what they will cover.
Medicare Specialty The focus is on specific terminal illnesses and are a better option for AIDs and cancer patients.
Additional Information http://www.benefitseducationcenter.com

Medicare Program Part D: Prescription Drug Benefits

Summary: A product of the 2003 Medicare Prescription Drug Improvement and Modernization Act of 2003 (MMA), provides a choice of private standard prescription drug benefits with reduced costs on prescriptions if they are on the list. Each region determines which drug plans will be available.

Enrollment Process: You can either enroll in PDP (Prescription Drug Plan) or MA-PD (Medicare Advantage Plan with Prescription Drug Coverage)

  • Initial Enrollment Period: First 6 months of Medicare Eligibility
  • Annual Coordinated Election: November 15th – December 31st
  • Special Enrollment: Some persons may be allowed enrollment outside the normal election periods such as:
    • Dual Eligibilities: Medi-Medi and Medicare Savings Programs
    • Individual moves into a new service area
    • Employer coverage that includes prescription drugs or if you have coverage under Indian health services.

Fees: There is a late enrollment fee of 1% for each month they did not have Part D. This extra cost is paid until the person no longer has Medicare.

Part D National Base Beneficiary Premium $31.94
1% Penalty Calculation $.32

Ever wonder how the the social security administration(SSA) decides who can qualify for benefits? Well your in luck!

The main factor in determining eligibility involves the Blue Book. The Blue Book is a listing of key words that must appear in your doctor’s letter to the SSA. What that means is the doctor must list these key words like if a condition is recurrent, then it means he longitudinal clinical record shows that, within a consecutive 12-month period, the finding(s) occur at least three times, with intervening periods of improvement of sufficient duration that it is clear that separate events are involved… or in a 12 month period you are to have been checked three times and had the the same diagnosis even if there were periods of improvement.

However, if the doctor uses a word like consistent or mixed with intervals, then it may fly under the SSA’s radar and could cause a problem with approval of benefits.

Lawyers and other advocates usually have substantial imput and expertise in working with a person’s physician to ensure there are enough “buzz” words for a person to qualify.

SO if you are considering applying for benefits it is important to look at this blue book and talk with your doctor. It is also advisable to seek legal counsel if you feel that you cannot do it on your own or you have been denied and are seeking to appeal the decision.

Below is the link to the SSA’s Blue Book Listing which should get you started:

http://www.ssa.gov/disability/professionals/bluebook/AdultListings.htm

It was a great day for the justice system here in California. Though many people will simply dismiss this decision and wait for the appeal, it is important to remember that we have to start somewhere. THe record has been set and I hope that this fight to the supreme court will be a successful one.

I have seen comments on twitter and heard in the halls of higher education that the rights of the voters are hurt when the justice system steps in on issues like Gay Marriage. However it is the function of both the justice system and justice itself to protect the minority class of people against the demagogues that control the majority mob.

Today’s ruling is a display of justice working against misinformation and prejudicial attitudes. Justice lays everything on the table, establishes a record of fact, and does its best to make objective decisions. While the system breaks down and is not as objective as we would all like, the idea of justice is an important element of our society.

Bring on the old fellas in the 9th circuit!

http://www.cnn.com/2010/US/08/04/california.same.sex.ruling/index.html

As we use twitter, facebook, blogs, ect. it is nice to see the justice system taking advantage of the information age. Court clerks are up to their eyeballs in paperwork and a searchable database for restraining orders will not only lighten their burden, but prove useful in protecting victims of domestic violence. I will be interested to see after a few years of implementation what the time and money savings will be with this new program.

Link to the Press Release is Below:

OC41-10 Restraining order registry

Summary

California has several programs for cancer screening and cancer treatment. The California Department of Public Health has a program called “Every Woman Counts” that helps needy women obtain breast and cervical cancer screening. Treatment can be ontained for breast and cervical cancer through the Breast and Cervical Cancer Treatment Program (BCCTP). In addition, there is the IMPACT program that helps men with prostate cancer screening as well as treatment costs. All of these programs can be accessed even if a person does not qualify for Medi-Cal.

What is the tool?

State funded programs that can offer screening and treatment to many Californians.

Why do patients use it?

  • Provides financial assistance in cancer screening for some of the most common forms of cancer in the U.S.
  • Provides treatment options for the needy who discover they have cancer.
  • Takes the financial burden off family members

Who can Use This Tool?

Who is eligible for BCCTP?

You may receive full-scope Medi-Cal through BCCTP if you meet all of the following:

  • Have been screened and found to be in need of treatment for breast and/or cervical cancer (women only), follow-up care for cancer or precancerous cervical lesions/conditions by an CDP:EWC or Family PACT provider
  • Are a women under age 65 who has satisfactory immigration status or is a citizen or national of the United States
  • Are a California resident
  • Have a monthly gross family income at the time of screening and diagnosis, that is at or below 200 percent of the federal poverty level for the family size
  • Have no other health insurance including full-scope no share-of-cost Medi-Cal or Medicare.

If you do not meet the requirements for Medi-Cal through the BCCTP you may still be eligible for BCCTP (called State-funded BCCTP) if you meet the following:

  • Have been screened and found in need of treatment for breast (men and women) and/or cervical cancer (women only), follow-up care for cancer or precancerous cervical lesions/conditions by an EWC or Family PACT provider
  • Are a California resident
  • Are a male of any age or any immigration status
  • Are a female under 65 years of age with non-citizen or unsatisfactory immigration status
  • Are a female 65 years of age or older; and/or
  • Have health insurance, including share-of-cost Medi-Cal and/or Medicare

NOTE: If you do not have satisfactory immigration status you may be eligible for restricted Medi-Cal and the State-funded BCCTP.   Restricted Medi-Cal will provide benefits for emergency services, pregnancy services and long-term care.

Who Qualifies for IMPACT?

You may qualify if you:

  • are 18 years old or older
  • have a diagnosis of prostate cancer
  • have low income
  • have no medical insurance, and do not qualify for Medicare or Medi-Cal
  • live in California

To see if you qualify for free prostate cancer treatment, call the toll free number 1-800-409-8252 to speak with an eligibility specialist.  The business hours are Monday – Friday from 8:30 AM to 5 PM.

Who Qualifies for Every Woman Counts?

You may if you:

  • are 50 years old or older (25 years old or older for cervical)
  • have low income*
  • have medical insurance that does not cover these services
  • have a high insurance deductible or co-payment
  • are not getting these services through Medi-Cal or another government-sponsored program
  • live in California

What are the Limitations?

INCOME CRITERIA For Programs (You May Still Qualify Despite making more than these Guidelines)

All recipients must have a household income at or below 200 percent of the poverty guideline. “Household income” includes the income of family members (spouse, children, parents, brothers and sisters) living together. Poverty guideline level incomes are adjusted on an annual basis. The following are effective from April 1, 2009 through March 31, 2010. “Gross income” means income before taxes and other deductions. 200 PERCENT OF POVERTY GUIDELINES

Family Members Living in Household Monthly Gross Household Income Annual Gross Household Income
1 $1,805 $21,660
2 $2,429 $29,140
3 $3,052 $36,620
4 $3,675 $44,100
5 $4,299 $51,580
6 $4,922 $59,060
7 $5,545 $66,540
8 $6,169 $74,020
For each additional member add: $ 624 $ 7,480

What Does IMPACT Primarily Cover?

IMPACT provides FREE:

  • Prostate cancer treatment for an initial 12 months.
  • Help in finding a doctor or hospital close to you where you can receive treatment.
  • Each patient with the services of the IMPACT Clinical Team.
  • Short-term individual counseling for you and short-term joint counseling for you and your spouse or partner.
  • Provide patient with nutrition information and how it relates to prostate cancer.

Also These Procedures are Covered for Free:

What benefits are available through BCCTP?

  • Federal BCCTP provides full-scope Medi-Cal at no cost.
  • State-funded BCCTP provides time limited, no cost services limited to breast and/or cervical cancer treatment and related services and payment of insurance premiums under certain circumstances.

How Long can I get coverage from BCCTP?

  • Federal BCCTP provides benefits for the duration of cancer treatment, as long as the individual continues to meet all other BCCTP eligibility criteria.
  • State BCCTP provides breast cancer treatment services for up to 18 continuous months and cervical cancer treatment services for up to 24 continuous months.

Limits on Every Woman Counts?

The only limits are the income requirements listed in the above table and women must be over 25 years of age.

How does the Tool work/what is the Process?

BCCTP Process

Step 1: Find A BCCTP Provider: For more information and to find a BCCTP enrolling provider, please call toll free 1-800-824-0088

Step 2: Application To Family PACT and Every Woman Counts

You must first apply to these programs through the medical provider you wish to use. visit the Family PACT website. Application materials for Every Woman Counts should be provided by your medical provider and will be mentioned below.

Step 3: What happens after I apply at the provider’s office?

After you apply at the provider’s office, your application is reviewed by State Eligibility Specialists.  The State Eligibility Specialist may ask you for more information, including the following:

  • Proof of identity
  • Proof of citizenship
  • Social Security Card or an award letter from Social Security showing your Social Security Number
  • Proof of immigration status
  • Information about other health coverage (if any)

For IMPACT, You Must Contact them at:

IMPACT Program
P.O. Box 957180
Los Angeles, CA 90095
Toll-free: (800) 409-8252
Fax: 310-794-6789
Email: info@california-impact.org

They will walk you through all the necessary steps.

For Every Woman Counts, You Must Contact Them At:

Call 1-800-511-2300 Monday – Friday from 8:30 AM to 5 PM.

Languages Offered: English, Spanish, Mandarin, Cantonese, Korean and Vietnamese. If you qualify, you will be referred to participating doctors in your neighborhood.

If you don’t qualify, the CDP: EWC Regional Contractor in your area may know of other low-cost screening programs that might be available to you.  The Regional Contractors are also your link to support groups, advocacy groups and the latest information on what’s happening in your community.

OTHER WEBSITES THAT CAN HELP

Primary Resource: http://www.dhcs.ca.gov/Pages/default.aspx

Resource: http://www.familypact.org/

Resource: http://www.california-impact.org/xowiki/svcs

You should call an attorney if you: feel that you were denied access to health care facilities or websites and you feel uncomfortable filing a complaint on your own. In addition, if you feel you were denied Medi-Cal, refer to the Medi-Cal page to learn how to dispute a decision and appeal it, which may also require an attorney’s help.

“Federal judge blocks Arizona law denying benefits to domestic partners”http://jurist.org/paperchase/2010/07/federal-judge-grants-preliminary-injunction-for-changes-to-az-health-benefits-law.php

The justice system is an important tool in protecting people from the ebbs and flows of public opinion. It is imperative that the guises of “saving taxpayer dollars” and ” improving the efficiency of government” are not successful influences on the general public. No one should be denied medical benefits based on a belief OR inability to partake in marriage.

It is even more important that people understand and have empathy even if they feel something is against their moral beliefs. The swings in popular support for a topic can throw families and individuals into tail spins and it is up to the justice system to moderate these swings and apply the law accordingly. Though it is not a perfect system, it is essential to the protection of liberties and freedoms that are inherent in the American way of life.

Summary

The news is full of unsettling accounts of women denied the chance to have a vaginal birth. More horrifying are the accounts of courts forcing a woman to have a c-section. There are alarming statistics that show a rise in c-section rates and a lack of improvement in maternal morbidity and mortality rates in the U.S. There has been little direct guidance from both medical professional organizations and jurisprudence on the topic of forced cesarean sections. What has been shown is a divide in both professions as to the interests of the fetus and the constitutional rights of the pregnant woman. Ultimately a pregnant woman must investigate the hospital and her state court decisions to ensure her constitutional rights are protected.

Facts, Accounts, and Health Concerns for Forced Cesarean


There have been many breakthroughs in OBGYN tools and techniques in an effort to deliver healthy babies into the world and make the process more comfortable for the woman. However, there have been several stories, cases, and studies that have show the U.S. rates of maternal mortality and morbidity have increased in the past decade in correlation with the relentless rise of cesarean sections. With c-sections becoming the most common medical procedure in the U.S., it is important to look at the effects of forcing women to undergo this medical procedure and the red flags raised surrounding the controversy.

Accounts of Forced Cesarean

In the Media

Cynthia Dermody reflects on her birthing experience when she attempted to have a home birth after cesarean (HBAC).[1] She explains that the doctors and nurses instructed her that if she didn’t do all of the things they were telling her that her baby would die. She also gave an account of the anesthesiologist claiming that the epidural was probably a waste and that she was “lucky” to have him there to help her. She was then forced to have a cesarean after being numbed by the epidural. She explains that the baby came out healthy but that she got an infection and had symptom of PTSD afterwards.

Joy Szabo is a resident of Page, Arizona who was denied a VBAC (Vaginal Birth After Cesarean) and forced to travel 350 miles just to find a “VBAC friendly” hospital.[2] Her Husband will have to miss the birth to take care of the kids at home and work.  The risk for a major complication like uterine rupture is less than 1% according to ACOG, American College of Obstetrics and Gynecologists.  Many Hospitals are rejecting the ability of the pregnant woman to have a natural birth due to liability fears and guidelines set by ACOG that require 24/7 assistance to the mother which can be expensive. Women who are not as fortunate to be able to travel such distances may be forced to have a C-Section. Presently, one in ten women are allowed to have a VBAC, and a third of all hospitals refuse to attempt them, resulting in more women forced into c-sections due to lack of availability of VBAC.[3]

Scripps Encinitas Hospital near San Diego, CA suspended Dr. Biter for what many say is his 7% C-Section rate.[4] He strongly believes in allowing the pregnant woman to determine when and how she will give birth. He has been widely popular and has a high successful and healthy birthrate. After his suspension, pregnant women, some in their 40th week, protested the suspension.  There are plans for him to open up his own birthing center since he was reinstated at Scripps and immediately resigned. No misconduct charges were ever filed by the hospital and there were no clear reasons for the suspension.

In Jurisdictions Across the U.S.

In Georgia, the court forcibly compelled a pregnant woman to have a c-section after the court balanced her rights with those of the fetus.[5] In Connecticut, a pregnant woman signed papers refusing c-section during a VBAC, but the doctor performed an emergency C-section without her consent.[6] In New Jersey, a woman’s refusal of c-section was used as a factor in determining child neglect charges after the baby was born.[7] In Tennessee, a woman was forcibly removed from her home by the police and then sedated so that a c-section could be performed on her.[8] All are examples of forced coercion between the courts, the legislature, and hospitals.

Connection to Higher Maternal Mortality and Morbidity Rates

There has been a relentless rise in the c-section rate in the U.S. In 2006, 31.1% of births were by c-section making it the most common operating room procedure in U.S. hospitals.[9] A woman who has a c-section usually takes longer to recover than a woman who has had a vaginal birth. Full recovery takes 4 to 6 weeks with a hospital stay of 3 to 4 days, while the recovery from a vaginal birth is usually less with a hospital stay of only two days.[10] Risks to the baby include breathing problems, feeding, maintaining high enough body temperature, and Jaundice.[11] Risks to the mother include: increased bleeding that requires a blood transfusion; infections in the incision, uterus, and nearby organs; blood clots in the legs, pelvic organs, or lungs; and a small number of women die from these complications.[12] The World Health Organization (WHO) recommends the C-section rate for a country to be around 15%, making the U.S. over double the recommended rate.[13]

Maternal Mortality Rate and Cesarean

The U.S. is ranked 41st in the world in maternal mortality with 1 in 4800 women dying from pregnancy complications.[14] Black women are four times more likely to die from pregnancy related complications than white women regardless of socioeconomic status.[15] This is despite the fact that the U.S. spends more on healthcare than any other country.[16] C-sections have increased 50% in the last 10 years which has coincided with the rise in maternal mortality in the U.S.[17]As of 2006, California had a maternal mortality rate of 16.9 women per 1000 births.[18] Though the rise in the c-section rate is not the only factor, it is the factor that doctors can have the quickest impact and most control over in an attempt to reduce the maternal mortality rate.

Maternal Morbidity and Cesarean

A study done in 2003 published by the American Journal on Public Health Only 57% of women experienced delivery involving no form of maternal morbidity, and 31% experienced some type of maternal morbidity.[19] Maternal morbidity affects 1.7 million women annually.[20] There are several bills that attempt to control female reproductive choices that may also be a cause for increased maternal morbidity and increased the incidence of forced c-sections.[21] Maternal morbidity is connected to a rise in c-sections due to the wider range of complications for the mother and the longer recovery times. However, it seems that classifying what is maternal morbidity and gathering sufficient data has been an obstacle to understand pre and post birth pregnancy complications, such as Post Traumatic Stress Syndrome (PTSD).

Pressure of Laws on Physicians to Favor the Fetus May Influence the Maternal Morbidity Rate

As discussed by Beth A. Burkstrand-Reid in, “The Invisible Woman: Availability and Culpability in Reproductive Health Jurisprudence”, the court system seems to hold the woman culpable and wags a finger at her for not giving up her right to choose how she will give birth.[22] In addition, doctors have grown fearful of liability concerns and tend to perform and over-test to avoid being sued. In a study done by ACOG, the data showed that 76% of obstetricians had at least one litigation event in that year with an average award of 2.3 million dollars.[23] With the hefty damages looming over the heads of physicians, it is no wonder that ACOG’s study also revealed that in states where the insurance premiums were higher, there was a direct correlation to the amount of c-sections.[24] Also, new techniques that are widely used, like electronic fetal monitoring (used in 85% of births in the U.S.), have not proven to be more effective in reduced deaths but rather a catalyst for increases c-sections.[25] The guidelines set by ACOG are becoming more and more religiously followed, despite ACOG themselves acknowledging that they are only guidelines and every case presents unique problems that may require deviation from those guidelines.[26] It is important to recognize that both the legal system and the medical community need to address the issue of forced cesareans from all angles in order to find solutions to the varied circumstances physicians and courts face. A good start may be empathy and respect for pregnant women starting in medical and law school and continuing into practice.

Legal Overview

The courts have dealt with many issues concerning patient rights. From this jurisprudence, the rights invoked by pregnant women who are battling forced c-sections are that of bodily integrity and the right to refuse treatment.[27] Though the majority of patients receive these rights without much controversy, pregnant woman many times lose rights in favor of the fetus’s “well being”.[28] The central divide between legal philosophies rests on whether or not to balance the rights of the pregnant woman with the fetus’s well being.[29]

The Rights to Bodily Integrity and Refusal of Treatment

Though the Supreme Court lacks a major decision on forced c-sections, they have ruled on similar issues pertaining to bodily integrity and refusal of treatment. “The destiny of the woman must be shaped to a large extent on her own conception of her spiritual imperatives and her place in society”.[30] The Supreme Court recognized in Casey that it is imperative for a woman to make her own reproductive choices. In addition, protection from invasive procedures has been recognized as a due process right by the Supreme Court, “Due process clause protects an interest in life as well as an interest in refusing life-sustaining medical treatment.”[31] The court in In Re AC discusses the right to refuse treatment if the “nature of proposed treatment and any alternative procedures” are made aware to the patient by the doctor.[32] Also, courts usually do not compel a person to permit a significant intrusion upon his or her bodily integrity for the benefit of another person’s health.[33] However, the principles of bodily integrity and the right to refuse treatment have been ignored in some jurisdictions when there is a perceived conflict between the state’s interest in the fetus versus the constitutional rights of the mother.

The Supreme Court and The “Four State Interests”

In Thornburgh v. American College of Obstetricians and Gynecologists, the Supreme Court struck down a Pennsylvania statute which required that in cases of post-viability abortions, permitted under state law only when necessary to save the woman’s life or health, a physician must use the abortion technique providing the fetus to be aborted alive.[34] The Court found that a requirement of a “trade-off” between the woman’s health and the survival of the fetus is unconstitutional and any degree of additional risk to the mother‘s health is unacceptable.[35]

Four State Interests

The four primary state interests are: (1) the preservation of life, (2) the prevention of suicide, (3) the protection of third parties, and (4) the ethical integrity of the medical profession which are all considered when a court decides to override a competent treatment decision by the patient.[36] In In re Baby Boy Doe, the court shows that the “potential life” of the fetus is not enough to outweigh the risks to the mother, and is not enough alone to determine the state’s interest. The court also explains that the medical profession has written about the ethical need to let the mother decide her medical treatment.[37] However, in Pemberton v. Tallahassee Memorial Regional Medical Center, the court sided with the state, claiming that the state’s interest in the protection of the fetus and the preservation of life was more compelling than the woman’s constitutional right to refuse a c-section.[38] The split in jurisdictions concerning forced cesarean cases arises out of judicial philosophy on whether the holding in Roe v. Wade concerning the state’s interest can be applied outside of the abortion context, and with that, whether or not to balance the rights of the mother with the interest of the state.[39]

The Balance Test

The “Balance Test” used by some jurisdictions in forced cesarean cases is a product of language from Roe v. Wade and the interpretation of the unique legal status of the woman and the fetus. In Griffin, the court concluded, “A viable unborn child has the right under the U.S. Constitution to the protection of the State through such statutes prohibiting the arbitrary termination of the life of an unborn fetus. Citing Roe v. Wade, and, “Because the life of defendant and of the unborn child are, at the moment, inseparable, the Court deems it appropriate [emphasis added] to infringe upon the wishes of the mother to the extent it is necessary to give the child an opportunity to live.[40] There has been no direct guidance from the Supreme Court on the use of the Balance Test in forced cesarean cases, but there are compelling arguments that the rights of bodily integrity and refusal of treatment cannot be balanced with the state’s interest, and ultimately taken away from a woman simply because she is pregnant.[41]

Application of the Balance Test: Griffin to Pemberton

The balancing of individual rights and the state’s interest sounds harmless on its face, but it can have major impacts on the lives and protections of pregnant women. In Griffin, the court tipped the scales in favor of the state’s interest in preserving the life of the fetus and appointed temporary guardianship to the state over the fetus.[42] 18 years later in Pemberton, the court ordered police to “escort” a pregnant woman from her home back to a hospital for a c-section.[43] Ms. Pemberton claimed that her substantive due process rights were violated because her bodily integrity had been violated, that she had the right to refuse treatment, and the right to make important personal and family medical decisions with regard to undue government influence.

The court decides to apply a balance test that it derives from Roe by, what many scholars say misinterpreting Roe[44], to mean that once a child has reached viability that the state can use its “interest” to control situations outside of abortion.[45] In the courts opinion, the balance tips for the health of the fetus and the state’s interest in preserving life, and that the imposition of forcing a mother to bear an unwanted child is more intrusive on constitutional rights then “how” to bear a child.[46] If Roe is valid, then c-sections must not be such an invasion to offend constitutional rights.[47] The court in Pemberton side steps any case law signaling a rejection of the balance test by claiming each state should decide on what standard to use making it clear that the woman’s Federal Constitutional rights pale in comparison to fetal well being.[48]

Rejection of the Balance Test Prior to Pemberton

The Pemberton court discredited the trend in case law that rejected the balance test and held that a pregnant woman’s rights are superior to a fetus and the state should not intrude.[49] In 1990, the Washington D.C District Court of Appeals in In Re A.C. rejected the balance test, “a fetus cannot have rights in this respect superior to those of a person who has already been born”.[50] In addition, the court held that the mother’s wishes were to be considered as controlling on the court except in the rarest of occasions (which the court could not think of).[51] However the court did not outright reject the possibility of forcing a c-section if the mother’s interests were in direct conflict with fetal interests.[52]

In In re Baby Doe, The pregnant woman refused both induced labor and a cesarean birth because of religious reasons, despite being informed that there was a high chance of death or mental retardation to the fetus if she had a vaginal birth.[53] She was also informed that she would have a 1 in 10 thousand chance of surviving the cesarean and the baby would have near 100% chance of survival.[54] The state argued that under the Illinois juvenile court act that the fetus’s rights must be represented by the state.[55] The mother asserted her constitutional rights of refusal of treatment and her religious freedom.[56] The “Boy” ended up being born vaginally and underweight, but without the mental retardation predicted by the physicians.

The In re Baby Doe court addressed the right of privacy and the right of bodily integrity that was examined in a previous Illinois case Stallman v. Youngquist.[57] The court quotes their decision in Stallman as follows

“Unlike the relationship between any other plaintiff [Fetus] and defendant [Pregnant Woman]. No other plaintiff depends exclusively on any other defendant for everything necessary for life itself. No other defendant must go through biological changes of the most profound type, possibly at the risk of her own life, in order to bring forth an adversary into the world… It is the mother’s every waking and sleeping moment for which, for better or worse, shapes the prenatal environment which forms the world for the developing fetus. That this is so is not a pregnant woman’s fault; it is a fact of life.”[58]

The court clarifies that the fetus has rights against third parties for injuries, like the doctor for example, but that because the mother has a unique relationship it is her rights and wishes that should control.[59]

A few years later, in In re Fetus Brown, the Illinois Court of Appeals held that a Jehovah Witness who was forced to have blood transfusions to save her fetus was an error by the lower court and that her wishes should have been controlling regardless of the  health risks.[60] There is a connection with the blood transfusion refusal and cesarean cases because they both concern the right of refusal of an invasive procedure.[61] Despite the repeated defenses of pregnant women’s liberty, the Pemberton court chose to ignore the constitutional rights of the woman involved.

Post Pemberton

After the 1999 decision in Pemberton, there have been a few court cases involving c-sections and the constitutional rights of women. In Harrison v. U.S., the court determined that a woman was not given proper information, or the opportunity to have a c-section, and thus violating her right to bodily integrity when she had induced labor.[62] In Wixtrom v. Dept. of Children and Families, the Florida court reiterated that a fetus is not a person and is not afforded the same rights as a person.[63] In Wixtrom, the court was presented with a severely mentally retarded woman who was a victim of sexual battery and became pregnant.[64] She was a assigned a guardian to make decisions in her best interest and the Dept. of Children and Families attempted to gain guardianship over the fetus because of the possible conflict of interests.[65] However, the court rejected the notion that the fetus could be assigned a guardian, as well as, rejecting any type of balancing of the fetal “interests” versus the woman’s interests.[66]

Though there has been progress in protecting pregnant women from forced medical procedures, it has largely been state and regional victories mixed with major defeats in pockets all over the U.S.[67] In 2006, there were a pair of cases that showed ways the state and hospitals could still force their decisions on the pregnant woman. In Dixon v. Crete Medical Clinic, the court held that the pregnant woman had received proper information and though she had made a form of request (she had repeatedly told the nursing staff to “get it out of her” and she claims she requested a c-section) that she only made the requests when she was in pain and was not “persistent enough in her requests”.[68] The other case, Duffy v. Flagg, involved a pregnant woman who requested a VBAC and executed written consent forms refusing c-section[69]. The Doctor attempted to deliver the baby vaginally but then performed an emergency c-section, which resulted in the baby’s death 8 days after birth.[70] The Appellate court had decided that the doctor should have informed the mother that he had lost babies in the past to c-section difficulties, but the Supreme Court of Connecticut reversed explaining that the doctor did not have to answer all questions related to the medical procedure.[71] This allows the doctor more discretion in the information passed on to the patient and also hurts the ability of the woman to choose a different physician, based on knowledge of physician preferences.[72]

Current Cases Involving the Forced Cesarean Debate

In Madrigal v. Mendoza, There was a cause of action for negligence against the doctor because he never offered the option of having a Cesarean birth.[73] The court ultimately found that the testimony from the plaintiff’s expert was not persuasive despite the fact that Madrigal was denied the choice of electing a cesarean birth, which may have reduced the injury that occurred to her child.[74] The court appears to side step the issue completely in this case by dealing only with the injury and its relation to the doctor’s delivery procedure, and not whether he properly informed her of the alternatives to vaginal birth. The constitutional protections seem to disappear in this instance.

In New Jersey Division of Youth and Family Services v. V.M. and B.G., a mother (V.M.) was charged with abuse and neglect of her child related to actions during pregnancy, including the fact she repeatedly refused a Cesarean procedure.[75] Though the majority largely sidesteps the issue of c-sections as a factor in determining retroactive neglect or abuse of a child, the concurring opinion goes at length on the issue.[76] The concurrence focuses on the fact that V.M. signed a form that refused all invasive treatment and that she maintained, even during psychiatric evaluations, that she did not want invasive procedures and specifically a C-Section.[77] The trial judge claimed that he “did not base his finding solely in V.M.’s reluctance to consent to a C-Section”, but still found negligence despite all of her protest stemmed from the fact she was afraid for her baby.[78]

The concurrence relies on a large amount of Amicus Briefs that all support that a judge “may not consider a woman’s refusal to consent to a c-section in the context of child welfare laws.[79] The concurrence then cites In re A.C. and In re Baby Doe as support for the constitutional protections a pregnant woman has over invasive procedures.[80] The concurring opinion holds that the decision to undergo an invasive procedure such as a c-section belongs uniquely to the prospective mother after consultation with her physicians.”[81] Thus, the current trends are to avoid the issue of forced c-sections and block options for alternatives like VBAC. However, as evident by the concurrence above, there is a sense of moral and constitutional danger in the back of judges’ minds when considering forced c-sections.

Conclusion

It is apparent that there has been a steady rise in the c-section rates. It is also clear that there have been failed attempts on the part of the U.S. to reduce the maternal morbidity and mortality rates. While the rise in c-section rates is not the only factor contributing to the lack of progress made in U.S. maternal health, it is one that could be quickly altered to make a dent in the number of women who suffer during, and post-pregnancy. ACOG and other health organizations have not been clear on the guidelines of doctors except that the woman’s decisions should be given great weight and her preferences respected.

As far as legal issues are concerned, doctors are somewhat fearful of the consequences of not operating at the slightest sign of problems due to litigation fears. Since the law varies in whether the balance test is used, it can be confusing to many physicians as to whether they are required to ignore the mother’s wishes in favor of the fetus, or to place the woman’s decisions first and understand that they will not be liable for the death of the fetus. Though it seems there is an underlying trend for judges who recognize the woman’s right to bodily integrity and refusal of treatment, there needs to be a better source of information and assurance for physicians. Ultimately the law depends on the state, and if a balancing test is accepted in that jurisdiction, then the next factor is how interested the state is in the well being of the fetus. Basically it boils down to a view of the pregnant women as a free citizen of the United States versus a “Fetal Container”.


[1] Dermody, Cynthia, “My Birth Story: They Forced Me to Have Anesthesia”; May 13, 2010 at http://thestir.cafemom.com/pregnancy/102905/My_Birth_Story_They_Forced

[2] Cohen, Elizabeth “Mom Won’t be Forced to have a C-Section”. May 13, 2010, http://www.CNN.com

[3] Neergaard, Lauran “Panel: Women Need Chance to Avoid Repeat C-Section”. March 10, 2010, http://www.huffingtonpost.com

[4] Colter O’Roarty, Abi “Why I’m Protesting for My Natural-Birth Friendly OB”. June 4, 2010 at http://www.huffingtonpost.com

[5] Jefferson v. Griffin Spalding County Hospital Auth., 247 Ga. 86 (1981)

[6] Duffy v. Flagg, 279 Conn. 682 (2006)

[7] New Jersey Div. of Youth and Family Services v. V.M. and B.G., 408 N.J. Super. 222 (2009)

[8] Pemberton v. Tallahassee Memorial Regional Medical Center, 66 F. Supp. 2d 1247 (1999)

[9] “Relentless Rise in Cesarean Section Rate” [Graph]February 5, 2008 at http://www.childbirthconnection.org

[10] “C-Section: Medical Reasons”. March of Dimes; July 2008 at http://www.marchofdimes.com

[11] Id.

[12] Id.

[13] Siegel-Itzkovich, Judy “At the Cutting Edge of Birth”. August 9, 2008. The Jerusalem Post

[14] Gosik, Ashley “U.S. Ranks 41st in Maternal Mortality”. 2007, COX News Service

[15] Id., See Also [Graph]“Infant, Neonatal, and Maternal Mortality Rates by Race: 1980 to 2005”. U.S. National Center for Health Statistics (2008)

[16] Roan, Shari & Lisa Girion “Rising Maternal Mortality Rate Causes Alarm, Calls for Action”. May 22, 2010. Los Angeles Times.

[17] Johnson, Nathaniel “More Women Dying from Pregnancy Complications; State Holds on to Report”.; February 2, 2010 at http://www.californiawatch.org

[18] Id., See also [Chart] “Tracking Maternal Mortality Rates”. Johnson, Nathaniel; February 2, 2010 at http://www.californiawatch.org

[19] “Magnitude of Maternal Morbidity During Labor and Delivery”. American Journal of Public Health accessed at http://www.medscape.com on June 18, 2010.

[20] Id.

[21] Paltrow, Lynn M. & Farah Diaz-Tello “Caution: Pregnancy May Be Hazardous to Your Liberty”. March 2, 2010 http://www.huffingtonpost.com

[22] Burkstrand-Reid, Beth A. “The Invisible Woman: Availability and Culpability in Reproductive Health Jurisprudence”. 81 U. Colo. L. Rev. 97at 102. Univ. of Colorado Law Review (Winter 2010)

[23] Hyer, Richard “ACOG 2009: Liability Fears May Be Linked to Rise in Cesarean Rates”. May 12, 2009 at http://www.medscape.com

[24] Id.

[25] Neergaard, Lauran “Overtreated: More Medical Care Isn’t Always Better”. June 7, 2010 http://www.huffingtonpost.com

[26] “Surgery and Patient Choice” No. 395. ACOG Committee on Ethics; January, 2008

[27] Knopf Levy, Joel “Jehovah Witnesses, Pregnancy, and Blood Transfusions: A Paradigm for the Autonomy Rights of all Pregnant Women”. 27 J.L. Med. & Ethics 17. Summer 1999.

[28] Pemberton v. Tallahassee Memorial Regional Medical Center, 66 F. Supp. 2d 1247, 1251 (North Dist. Ct. 1999).

[29] Cherry, April L. “Symposium: The Legacy of Roe: The Constitution, Reproductive Rights, and Feminism”. 6 U. Pa. J. Const. L. 723, 735-7.

[30] Planned Parenthood v. Casey, 505 U.S. at 852 (1992).

[31] Cruzan v. Director, Missouri Department of Health, 497 U.S. 261, 278 (1990)

[32] 573 A. 2d 1235, 1243 (D.C. Dist. Ct. App. 1990). citing Crain v. Allison, 443 A. 2d at 562; and In re Conroy, 98 N.J. 321.

[33] Id. at 1243-4. cites Bonner v. Moran, 126 F. 2d 121, 122 (App. D.C. 1941)]. In Moran, the court refused to compel a relative to donate an organ to a dying person.

[34] 476 U.S. 747 (1986)

[35] Id. at 403; This logic was used in the dissenting opinion in Gonzales v. Carhart, 550 U.S. 124 (2007), where the majority validated a law that did not require a health exception for an abortion regulation. Though it is likely that this is a narrow holding for abortion cases and not cesarean sections]

[36] In re Baby Boy Doe v. Mother Doe, 260 Ill. App. 3d 392, at 404-5 (1994).

[37] Id.; See ACOG Ethics Committee Reports, “Maternal Decision Making, Ethics, and the Law”. Number 321 Nov. 2005; See also, ACOG Committee Opinion: “Surgery and Patient Choice” Number 395 Jan. 2008. Both are opinions on ethical concerns regarding maternal choice and rights. ACOG reiterates the importance of giving the pregnant women the choice and respecting that choice in the vast majority of circumstances.

[38] 66 F. Supp. 2d 1247, 1254(North Dist. Ct. 1999).

[39] Cherry, April L “Symposium: The Legacy of Roe: The Constitution, Reproductive Rights, and Feminism”. 6 U. Pa. J. Const. L. 723 April 2004.

[40] Jefferson v. Griffin Spalding County Hospital Authority, 247 Ga. 86, 87 (1981)

[41] Knopf Levy, Joelyn “Jehovah Witnesses, Pregnancy, and Blood Transfusions: A Paradigm for the Autonomy Rights of all Pregnant Women”. 27 J.L. Med. & Ethics 17 (Summer 1999)

[42] Refer to FN 39

[43] Pemberton v. Tallahassee Memorial Regional Medical Center, 66 F. Supp. 2d 1247(North Dist. Ct. 1999).

[44] Cherry, April L “Symposium: The Legacy of Roe: The Constitution, Reproductive Rights, and Feminism”. 6 U. Pa. J. Const. L. 723 April 2004.

[45] Id. at 1251

[46] Id.

[47] Id. at 1252

[48] Id.

[49]Burkstrand-Reid, Beth A.  “The Invisible Woman: Availability and Culpability in Reproductive Health Jurisprudence”. 81 U. Colo. L. Rev. 97 (Winter 2010).

[50] 573 A. 2d 1235, 1244 (D.C. Dist. Ct. App. 1990).

[51] Id. at 1247

[52] Id. at 1252

[53] In re Baby Boy Doe v. Mother Doe, 260 Ill. App. 3d 392 (1994)

[54] Id. at 393

[55] Id. at 394

[56] Id.

[57] Refer to FN 51

[58] Stallman v. Youngquist, 125 Ill. 2d 267, 278-9 (1988).

[59] In re Baby Boy Doe, 260 Ill. App. 3d at 403

[60] 294 Ill. App. 3d 159, 164,172 (Ill Ct. App. 1997).

[61] Knopf Levy, Joelyn “Jehovah Witnesses, Pregnancy, and Blood Transfusions: A Paradigm for the Autonomy Rights of all Pregnant Women”. 27 J.L. Med. & Ethics 17 (Summer 1999)

[62] 282 F. 3d 293, 301 (D.C. 2002)

[63] 864 So. 2d 534, 536 (Fla. App. 2004).

[64] Id. at 534-6

[65] Id. at 535, the potential conflict of interest discussed was the possibility of the guardian deciding to abort the fetus. However the Guardian of the mentally retarded woman was on record and introduced evidence that abortion was never in the plan for the woman’s best interests.

[66] Id. at 538-9

[67] Hoffman & Miller “Inconsistent State Court Rulings Concerning Pregnancy-Related Behaviors”. 22 J.L. & Health 279 (2009)

[68] 2006 U.S. Lexis 67613 (US Dist. Ct. NE 2006) (at 63)

[69] 279 Conn. 682, 685-6 (2006)

[70] Id.

[71] Duffy v. Flagg, 279 Conn. at 691

[72] An example of how this holding could cause a problem occurs if a pregnant woman asks what the physicians personal preference concerning c-sections and the doctor refuses or answers the question vaguely. The doctor may be shielded from divulging that important fact.

[73] 639 F. Supp. 2d 1026 (AZ 2009)

[74] Id. at 1028

[75] 408 N.J. Super. 222 (2009).

[76] Id. at 227-47

[77] Id. at 227

[78] Id. at 232

[79] Id. at 239

[80] Id. at 246-7

[81] Id. at 249

According to the U.S. Census Bureau, in 2007, about 75% of Americans were covered under some sort private health insurance. Nearly 60% of Americans receive their insurance through their employer who contracts with a private insurance company. There are many options when choosing health insurance as well as different levels of coverage. Health insurance companies are large corporations that may seem overwhelming and in a position to dictate terms, payment, and coverage. It is important to remember that you are paying for a service and you should be treated fairly and get what you paid for. The following sections attempt to instruct and direct a plan of action for controlling the coverage you receive from your health insurance provider.

What Will Be Covered

Alphabet Soup: What are MCO’s, HMO’s, PPO?

Where Does My Employer Fit in?

Where’s My Money?: Common Questions Answered about Obtaining Coverage and Paying their Provider

Know Your Rights!

Alphabet Soup: What are MCO’s, HMO’s, PPO’s?

Managed Care Organizations (MCO)

Managed Care Organizations are a group of physicians, hospitals, and other providers that group together under agreed guidelines on how to provide medical care. A Monthly fee is paid to the network for a variety of general a specialty health needs and procedures. HMO’s and PPO’s are types of MCO’s.

Health Maintenance Organizations (HMO)

HMO’s were given federal money after Congress passed the Health Maintenance Act of 1973 in an effort to reduce rising health care costs. In addition, the Act required businesses who employ 25 or more to provide federally qualified HMO health insurance options if they also allowed for traditional forms of health insurance. As of 1995, there does not need to be a dual option of traditional or HMO, but HMO’s have become the most common way for people to access private health services.

HMOs are licensed at the state level, under a license that is known as a certificate of authority (COA) rather than under an insurance license.  A HMO is a coordinated delivery system that combines both the financing and delivery of health care for enrollees. In the design of the plan, each member is assigned a primary care physician (PCP) who is responsible for the overall care of assigned members. Specialty services require a specific referral from the PCP to the specialist. Non-emergency hospital admissions also required specific pre-authorization by the PCP. Typically, services are not covered if performed by a provider other than a employee of or specifically approved by the HMO, unless it is an emergency situation as defined by the HMO.

Preferred Provider Organizations (PPO)

Rather than contract with the various insurers and third party administrators, providers may contract with preferred provider organizations. A membership allows a substantial discount below their regularly-charged rates from the designated professionals partnered with the organization. PPO’s themselves earn money by charging an access fee to the insurance company for the use of their network.

In terms of using such a plan, unlike an HMO plan, which has a copayment cost share feature (a nominal payment generally paid at the time of service), a PPO generally does not have a copayment and instead offers a deductible and a co-insurance feature. The deductible must be paid in full before any benefits are provided. After the deductible is met, the co-insurance benefits apply. If the PPO plan is an 80% co-insurance plan with a $1,000 deductible, then the patient will pay 100% of the allowed provider fee up to $1,000. After this amount has been paid by the patient, the insurer will pay 80% of subsequent fees and the patient will pay the remaining 20%.

For Example, If the medical Bill was $1,200 then the cost to you would be $1,040; or if the Bill was $2,000 then the charge would be $1,2oo. The deductible is usually yearly so each year after paying the $1,000 then you would only pay 20% of all medical costs covered in that year. Because the patient is picking up a substantial portion of the “first dollars” of coverage, PPO are the least expensive types of coverage

California Office of the Patient Advocate 2010 Report Card for HMO’s and PPO’s

Where Does My Employer Fit In?

Employer-sponsored

Employer-sponsored health insurance is paid for by businesses on behalf of their employees as part of an employee benefit package. Typically, employers pay about 85% of the insurance premium for their employees, and about 75% of the premium for their employees’ dependents. The employee pays the remaining part of the premium, usually with pre-tax/tax-exempt earnings.

Small employer group coverage

According to a 2007 study, about 59% of employers at small firms (3-199 workers) in the US provide employee health insurance. When small group plans are medically underwritten, employees are asked to provide health information about themselves and their covered family members when they apply for coverage. When determining rates, insurance companies use the medical information on these applications. Sometimes they will request additional information from an applicant’s physician or ask the applicants for clarification. States regulate small group premium rates, typically by placing limits on the premium variation allowable between groups (rate bands). Insurers price to recover their costs over their entire book of small group business while abiding by state rating rules.

College-sponsored health insurance for students

Many colleges, universities, graduate schools, professional schools and trade schools offer a school-sponsored health insurance plan. Many schools require that you enroll in the school-sponsored plan unless you are able to show that you have comparable coverage from another source.

Effective group health plan years beginning after September 23, 2010, if an employer-sponsored health plan allows employees’ children to enroll in coverage, then the health plan must allow employees’ adult children to enroll as well as long as the adult child is not yet age 26. Some group health insurance plans may also require that the adult child not be eligible for other group health insurance coverage, but only before 2014.[48]

This extension of coverage will help cover one in three young adults, according to White House documents.

Federal employees health benefit plan (FEHBP)

The federal government also sponsors a health benefit plan for federal employees—the Federal Employees Health Benefits Program (FEHBP). FEHBP provides health benefits to full-time civilian employees. Active-duty service members, retired service members and their dependents are covered through the Department of Defense Military Health System (MHS). FEHBP is managed by the federal Office of Personnel Management.

“Portability” of group coverage (COBRA and HIPAA)

Two federal laws address the ability of individuals with employment-based health insurance coverage to maintain coverage.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) enables certain individuals with employer-sponsored coverage to extend their coverage if certain “qualifying events” would otherwise cause them to lose it. Employers may require COBRA-qualified individuals to pay the full cost of coverage, and coverage cannot be extended indefinitely. COBRA only applies to firms with 20 or more employees, although some states also have “mini-COBRA” laws that apply to small employers.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) provides for forms of both “group-to-group” and “group-to-individual” portability. When an individual moves from one employer’s benefit plan to another’s, the new plan must count coverage under the old plan against any waiting period for pre-existing conditions, as long as there is not a break in coverage of more than 63 days between the two plans. When certain qualified individuals lose group coverage altogether, they must be guaranteed access to some form of individual coverage. To qualify, they must have at least 18 months of prior continuous coverage. The details of access and the price of coverage are determined on a state-by-state basis.

Where’s My Money?: Common Questions Answered about Obtaining Coverage and Paying their Provider

Coverage and benefit disputes in health-care insurance and health-care plans that frequently arise include the following: Refer to the Next Section “Know Your Rights” for solutions to disputes. For more in depth information click this link www.ahrq.gov common questions

Q: Why was the visit to the doctor not covered by my insurance?

A: The insurer or plan contends that care was not medically necessary, which is often defined as care that is reasonably required according to accepted norms within the medical community.

OR

A: The insurer or plan contends that the charges were not “usual, customary and reasonable” for the services rendered.

OR

A: The insurer or plan contends that the treatment was “experimental” or “investigational,” which generally means that the care has not been accepted in the medical community as normal treatment or has not been proven to be effective medically.

Q: What is a deductible?

A:  It is a specific dollar amount that an individual must pay (or “satisfy”) before reimbursement for expenses begins. The higher the deductible, the lower the cost of the health insurance plan.

Q: For insured employees with dependent coverage, does the deductible for each person have to be satisfied before reimbursement begins?

A: Each person covered under a group health insurance plan must meet a deductible before expenses will be covered. However, plans usually include some type of family deductible in order to limit a family’s exposure for health care expenses. The family deductible is usually some multiple of the individual deductible, generally two or three. For the family deductible to be satisfied, the combined expenses of covered family members are accumulated. Some plans require, however, that at least one family member satisfy the full individual deductible before the family deductible can be met.

Q: What is coinsurance?

A:  Coinsurance is a feature found in most group health insurance plans. It sets forth the percentage of covered expenses that the employees and the health insurance plan will pay. The most common coinsurance level is one in which the employee pays 20 percent of the expenses and the insurer pays 80 percent. This is called 80 percent coinsurance.

Q: What is a covered expense and are there limits?

A:  covered expense is an eligible expense under a group health insurance plan. A covered expense is an expense incurred by a covered individual that will be reimbursed in whole or in part under the group health insurance plan. For example, under most health insurance plans, doctors’ visits are a covered expense. That is, a doctor’s fee up to the amount provided by the plan will be reimbursed by the insurer Just because an expense is covered does not mean that the coverage is unlimited. Both base plus and comprehensive plans have limits on the expenses for which they will reimburse. In addition, some form of deductible and coinsurance is often applicable. Insurers limit covered expenses in a variety of ways. One way is to cap allowable payments for a certain procedure or service. A common example of this type of limit would be a surgical schedule. Insurers also restrict covered expenses by limiting the number of visits or days for home health care or skilled nursing care, or by establishing a reasonable and customary charge.

See http://www.healthinsurance.org/resources/faqs.lasso for more information

Know Your Rights!

What can I do if I have a dispute of this kind with my health insurance company or plan?

If a health insurance company or plan denies your claim or refuses to provide a benefit or service, you have several options.

Utilize the Insurance Company’s established rules and procedures for handling complaints and grievances internally. Utilizing these procedures is an important first step and you can start by making a phone call to a complaints hot line. You may need to follow it up with a complaint form or a written complaint. The dispute should de addressed within 30 days.

Have a Third Party Review the Claim. Most states have external review procedures, which can be pursued once internal review has been exhausted. Your health-care plan or insurance company may automatically refer your dispute to external review if your internal review is unsuccessful; or you may need to request external review in writing within a certain time period after internal review.

Most states will not review all disputes, only those involving medical necessity. That means that there must be a dispute between you and your health plan over whether a particular procedure, treatment, or pharmaceutical is essential for your health and recovery

Most HMOs are accredited with nongovernmental groups such as the National Committee for Quality Assurance (www.ncqa.org), the American Accreditation HealthCare Commission/URAC (www.urac.org), and the Joint Commission on Accreditation of Health Care Organizations (www.jointcommission.org). HMOs rely on their accreditation by these organizations in their marketing to employers and unions.

Seek a Second Opinion If you think your doctor is withholding treatment. You might want to seek a second opinion about whether treatment is necessary. And if you believe your doctor is withholding treatment for his or her own pecuniary gain, you can file a complaint with your state’s medical board.

Appeal to the State Insurance Department if you are covered by an HMO. All plans have to be certified by the state which gives the state quite a bit of power. They are especially useful if you feel there has been discrimination, unfair denial, or a vagary of the rules, disclosures, or booklets. HMOs are likely to respond out of concern that their license might be revoked or suspended.

COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan.

COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.

Who Qualifies for this Tool

Who Qualifies: A qualified beneficiary generally is an individual covered by a group health plan on the day before a qualifying event who is either an employee, the employee’s spouse, or an employee’s dependent child. In certain cases, a retired employee, the retired employee’s spouse, and the retired employee’s dependent children may be qualified beneficiaries. In addition, any child born to or placed for adoption with a covered employee during the period of COBRA coverage is considered a qualified beneficiary. Agents, independent contractors, and directors who participate in the group health plan may also be qualified beneficiaries.

Qualifying Events: Qualifying events are certain events that would cause an individual to lose health coverage. The type of qualifying event will determine who the qualified beneficiaries are and the amount of time that a plan must offer the health coverage to them under COBRA. A plan, at its discretion, may provide longer periods of continuation coverage.

Qualifying Events for Employees:

Voluntary or involuntary termination of employment for reasons other than gross misconduct or Reduction in the number of hours of employment.

Qualifying Events for Spouses:

  • Voluntary or involuntary termination of the covered employee’s employment for any reason other than gross misconduct
  • Reduction in the hours worked by the covered employee
  • Covered employee’s becoming entitled to Medicare
  • Divorce or legal separation of the covered employee
  • Death of the covered employee

Qualifying Events for Dependent Children:

  • Loss of dependent child status under the plan rules
  • Voluntary or involuntary termination of the covered employee’s employment for any reason other than gross misconduct
  • Reduction in the hours worked by the covered employee
  • Covered employee’s becoming entitled to Medicare
  • Divorce or legal separation of the covered employee
  • Death of the covered employee

Department of Labor FAQs on COBRA

What process must individuals follow to elect COBRA continuation coverage: Employers must notify plan administrators of a qualifying event within 30 days after an employee’s death, termination, reduced hours of employment or entitlement to Medicare.

A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal separation or a child’s ceasing to be covered as a dependent under plan rules.

Plan participants and beneficiaries generally must be sent an election notice not later than 14 days after the plan administrator receives notice that a qualifying event has occurred. The individual then has 60 days to decide whether to elect COBRA continuation coverage. The person has 45 days after electing coverage to pay the initial premium.

Note: If your qualifying event was involuntary termination of employment that occurred on or after September 1, 2008 through February 16, 2009, you may be eligible for an additional election opportunity under the American Recovery and Reinvestment Act of 2009 (ARRA). For more information see the questions below or visit the COBRA Premium Reduction FAQs or call 1.866.444.3272 to speak to a Benefits Advisor.

How long after a qualifying event do I have to elect COBRA coverage?
Qualified beneficiaries must be given an election period during which each qualified beneficiary may choose whether to elect COBRA coverage. Each qualified beneficiary may independently elect COBRA coverage. A covered employee or the covered employee’s spouse may elect COBRA coverage on behalf of all other qualified beneficiaries.

A parent or legal guardian may elect on behalf of a minor child. Qualified beneficiaries must be given at least 60 days for the election. This period is measured from the later of the coverage loss date or the date the COBRA election notice is provided by the employer or plan administrator. The election notice must be provided in person or by first class mail within 14 days after the plan administrator receives notice that a qualifying event has occurred.

Note: If your qualifying event was involuntary termination of employment that occurred on or after September 1, 2008 through February 16, 2009, you may be eligible for an additional election opportunity under ARRA. For more information see the questions below or visit the COBRA Premium Reduction FAQs or call 1.866.444.3272 to speak to a Benefits Advisor.

How do I file a COBRA claim for benefits?
Health plan rules must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described in the Summary Plan Description.

You should submit a claim for benefits in accordance with the plan’s rules for filing claims. If the claim is denied, you must be given notice of the denial in writing generally within 90 days after the claim is filed. The notice should state the reasons for the denial, any additional information needed to support the claim, and procedures for appealing the denial.

You will have at least 60 days to appeal a denial and you must receive a decision on the appeal generally within 60 days after that. Contact the plan administrator for more information on filing a claim for benefits. Complete plan rules are available from employers or benefits offices. You may need to contact an attorney to prepare and file the paperwork.

Domestic Partnerships

Domestic Partnerships

1. What Is a Domestic Partnership?

A Domestic Partnership is not always equal to marriage, but rather a varying legal status that depends on which state you live in. States, like California, that provide benefits to domestic partners require the partners to register with the state. California Family Code section 297 provides that “domestic partners are two adults who have chosen to share one another’s lives in an intimate and committed relationship of mutual caring.”

A domestic partnership is established in California when both persons file a Declaration of Domestic Partnership with the Secretary of State, and at the time of filing, all of the following requirements are met:

  • Both persons have a common residence.
  • Neither person is married to someone else or is a member of another domestic partnership with someone else that has not been terminated, dissolved, or adjudged a nullity.
  • The two persons are not related by blood in a way that would prevent them from being married to each other in this State.
  • Both persons are at least 18 years of age.
  • Either of the following:
    • Both persons are members of the same sex.
    • One or both of the persons is/are over the age of 62 and meet the eligibility criteria under Title II of the Social Security Act as defined in 42 U.S.C. Section 402(a) for old-age insurance benefits or Title XVI of the Social Security Act as defined in 42 U.S.C. Section 1381 for aged individuals.
  • Both persons are capable of consenting to the domestic partnership.

The definition of “common residence” means that both domestic partners share the same residence. It is not necessary that the legal right to possess the common residence be in both of their names. Two people have a common residence even if one or both have additional residences. Domestic partners do not cease to have a common residence if one leaves the common residence but intends to return.

2. Does My Employer Have to Offer Me the Same Benefits as a Married Person?

Not Necessarily. If the employer is in a state where domestic partnership is considered on equal footing with marriage, like California or New York, then there is a legal right to some sort of insurance coverage. However, most states do not have this protection and it is up to the employer’s discretion and should be negotiated between employee and employer. However, the benefit will always be less valuable because domestic partners must pay federal tax for their insurance coverage and do not get a tax break like married couples do.

3. Can I Still Get COBRA Coverage?

No. COBRA only covers spouses, but in California there is a state COBRA plan that does cover domestic partnerships.

4. Do Domestic Partners Have Community Property Rights?

Yes, In California. Unless otherwise stated in writing by the partners, all property or income earned during the partnership belongs to the partners equally. The rights take effect as soon as the partners are registered. The responsibilities associated with these rights include the equal sharing of community property debts and rights to manage and control the community property. For additional Tax and Property Information see http://www.ftb.ca.gov/individuals/faq/dompart.shtml

5. Can A Domestic Partner Seek Spousal Support?

Yes, in California. As long as that person can prove economic dependency prior to any kind of separation or termination of the domestic partnership.

6. Can A Domestic Partner Make Post-Death Decisions for their Partner?

Yes, in California. A Partner can make funeral arrangements, elect to have an autopsy performed, and decide if it is ok to donate organs.

7. In California it only Takes a Page to Terminate a Domestic Partnership, Right?

Not anymore. As of 2005, California requires a formal dissolution proceeding in court and is similar to a married couples divorce proceeding. This may require lengthy paperwork and possibly an attorney. However, there are some exceptions that allow for the termination without court proceedings that require all of the following to be true:

  • partnerships that have no children and neither partner is pregnant;
  • none of the partners own real property and if there is a lease, it must not be longer than a year;
  • You do not have debts of over 4 thousand dollars that were incurred during the domestic partnership;
  • You Do NOT have jointly owned asset, other than cars, that are worth more than 32 thousand dollars, and neither of the partners have individual assets over 32 thousand;
  • The partners have a written agreement about how the assets will be divided, as well as debts, and a document has been signed that will complete the division;
  • Both partners give up the right to support each other;
  • Both partners have read and understand a brochure prepared by the California Secretary of State relating to the termination of your partnership.

The process takes about 6 months to complete from the date of the filing for a termination without court proceedings.

8. What if I do no longer life in California and want to Terminate my Domestic Partnership?

If you registered in California, and moved to another state then you can still terminate the domestic partnership in California. However if you never lived in California, then it is unlikely that you will be able to procure a normal divorce proceeding. At this point the law is murky and for issues over property and custody it is important to consult a lawyer.

9. What are the Costs to File in California?

There is a 10 dollar fee to file, unless it is a same-sex domestic partnership which requires an additional 23 dollar fee.

10. Helpful Links and Important Forms

Links

http://www.courtinfo.ca.gov/ :Helpful website for California court procedures

http://www.unmarried.org/ :A Informative Website that also offers links to other people interested in domestic partnerships, and is based on improving domestic partnership rights.

http://www.sos.ca.gov/dpregistry/ :The registry process and relevant forms for California Domestic Partnership.

http://www.ftb.ca.gov/individuals/faq/dompart.shtml :The California Franchise Tax Board site for Domestic Partners.

Forms & Brochures

http://www.sos.ca.gov/dpregistry/forms/sf-dp1.pdf

Dissolution of Domestic Partnership Form fl103.pdf

Response to a Dissolution of Domestic Partnership- Form fl123.pdf

Form and Brochure For Dissolution of Domestic Partnerhsip.pdf