This blog post is sponsored by the Alliance for Access to Care. All thoughts and opinions are my own.
Going head-to-head with insurance companies goes hand in hand with managing chronic illness. The amount of time wasted, and energy exhausted over the course of a patient’s journey is incomprehensible. But the Alliance for Access to Care is looking to change that with the help of its latest campaign known as Healthcare Here. This coalition of healthcare associations has shared concerns about the way that insurance companies have adopted and implemented practices and policies that impede timely decisions related to treatment coverage at the expense of patient care. The burden of these practices, as we know all too well, not only falls on patients, but also on local hospitals that make up the backbone of community care that so many people rely on.
This week on Lights, Camera, Crohn’s we hear from Sr. Mary Haddad, RSM, President and Chief Executive Officer, Catholic Health Association, about the key issues and how she’s leading the charge.
The mission of Healthcare Here
Sr. Mary says the mission of the Catholic Health Association of the United States (CHA) is to advance Catholic health in caring for people and communities. Recently they also adopted a new vision statement that highlights why they are so passionate about health care reform: We Will Empower Bold Change to Elevate Human Flourishing.

“We are keenly aware that the United States’ health care system is in dire need of bold change, and this needed change is long overdue. Commercial insurance companies that profit from the delay and denial of health care stand in direct opposition to our mission of caring for people. How can a person flourish, or even survive, if their basic health care needs are not being met?”
As a faith-based organization, they believe that their ministry echoes that of Jesus Christ, who spent his time on earth providing compassion care for those in need.
“This cause is not only central to our mission and vision; it’s core to who we are,” she said.
Local hospitals in financial distress
When commercial insurance companies continually delay or deny coverage for care to those who need it, the cost of that care is passed to local hospitals. Not-for-profit hospitals have policies in place to ensure that those burdened by financial challenges receive either free or discounted care.
“As an example, on average, members of CHA provide free care to individuals and families who are under 200 percent of the federal poverty level guidelines. They also provide discounted care for those making up to 350 percent of the federal poverty level guidelines,” explained Sr. Mary.
The role of AI and medical decisions made by insurance companies
The CHA has seen several examples of commercial insurers utilizing automated systems to quickly process claims that may require greater scrutiny.
“For example, a recent ProPublica article found that Cigna spent an average of 1.2 seconds per individual case to deny more than 300,000 claims. They used an automated system to do this and, in doing so, saved millions of dollars for themselves. NaviHealth, which is a UnitedHealth Group subsidiary, is currently being investigated for trying to align rehab stays for Medicare Advantage patients to within 1% of days projected by an algorithm,” she said.

There are other examples, but the overall trend is telling enough. According to Change Healthcare, denial rates increased by 23 percent from 2016 to 2020. Meanwhile, profits from commercial insurance companies continue to rise.
A call to action for patients and caregivers
It can feel helpless as a patient, feeling as though your health and well-being is in the hands of your insurance company. I relate to this on many levels. Since my Crohn’s disease diagnosis in 2005, I’ve had to deal with everything from insurance telling me I’m too young for my annual colonoscopy to deciding the biologic injection I’ve been on since 2008 needs to switch to a biosimilar, not for medical reasons, but because of insurance coverage.

“We must advocate for change in the health care system, specifically as it relates to commercial insurers. On Healthcarehere.org, the CHA has pre-written a message that patients and advocates can send to their local, state and federal elected officials that gets the message across loud and clear: local hospitals are important and need to be protected,” said Sr. Mary.
Rural hospitals at risk
Not-for-profit hospitals are experiencing dire financial straits. More than 30 percent of the United States’ rural hospitals are at risk of closing. Per-patient hospital expenses have increased. At the same time, commercial insurance premiums are increasing at twice the rate as the annual rise in hospital prices.
“We’re approaching a point where a dam is going to break. And the ones left dealing with the shortfall of coverage will be patients and the local hospitals that they rely on for care. Ideally, all sectors of the healthcare system should be working together to deliver affordable, accessible, and high-quality care for patients. Through this campaign, we want the public and the policymakers they elect to understand how profit-driven actors are manipulating the health care system, which in turn is harming patients and the local hospitals that care for them,” she said.

Sr. Mary went on to say chronic illness patients need to know they are safe and welcome at their local hospitals.
“We want patients to understand that they have a voice which needs to be heard. Coupled with the advocacy efforts of the Alliance for Access to Care, patient testimonials are a powerful tool in standing up to the commercial insurance industry that would profit off their illnesses. Too many have been victimized by this broken system of care. The stories need to be told and change must happen now.”
If you have a story of denials to care through commercial insurers, send them to story@healthcarehere.org. We want policymakers to understand that this isn’t a battle between hospitals and insurers. This is an issue that affects real people. Your stories and experiences matter and deserve to be heard. Lives are at stake.





