New legislation has been introduced in the West Virginia State Legislature to prevent health insurance companies from increasing out-of-pocket costs for people requiring prescriptions.
Many insurers are establishing programs that make it more difficult for patients to reach their deductible by preventing patients from using copay assistance programs to pay down their deductible and copays.
Accumulator adjustment programs undermine the cost sharing predictability provided by copay assistance programs, leading to unintended consequences that harm patients.
At least one insurance company has started implementing this type of program in West Virginia, according to the West Virginia Insurance
Commissioner’s Office. Insurance companies in Ohio and several other states are implementing similar policies.
Many of West Virginia’s top health care and patient advocacy groups, including the West Virginia Rural Health Association, are calling on the West Virginia Legislature to pass HB2770/SB509, “Fairness in Cost-Sharing Calculation Act,” a measure that would ensure that the value of copay assistance programs is applied towards a patient’s deductible.
If this is an issue that impacts you, call your representative today and ask them to support the Fairness in Cost-Sharing Calculation Act, to protect West Virginians from this unfair practice of health insurance companies.