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anthem blue cross and blue shield - Maine.gov

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9<br />

19<br />

30<br />

provider to participate in the network at a market rate within reasonable 1 quality<br />

st<strong>and</strong>ards? One would have to assume that the answer is based2<br />

on promises to the<br />

“chosen” providers, rather than what is best for <strong>Maine</strong> consumers. 3<br />

Q. Do you have any other concerns about the proposed Anthem network? 4<br />

A. In addition to there being serious question about the adequacy 5of Anthem’s limited<br />

network to accommodate these tens of thous<strong>and</strong>s of new enrollees, 6 the Anthem network’s<br />

exclusion of York Hospital <strong>and</strong> its providers will effectively prevent 7 southern York<br />

County residents from having a choice of insurance carriers on8<br />

the federal exchange.<br />

These patients will effectively be limited to a single insurer.<br />

And finally, I am concerned about the genesis <strong>and</strong> motive for10<br />

creating the narrow, limited<br />

networks that are at the heart of these plans. It is my underst<strong>and</strong>ing 11 that <strong>Maine</strong> Medical<br />

Center <strong>and</strong> <strong>Maine</strong> Health have had <strong>and</strong> continue to wield significant 12 leverage in the<br />

determination as to what hospitals <strong>and</strong> providers are included13<br />

the Anthem network.<br />

Also it is noteworthy that two of the hospitals which have been 14excluded from the<br />

network are primary competitors of <strong>Maine</strong> Medical Center – Central 15 <strong>Maine</strong> Medical<br />

Center <strong>and</strong> Mercy Hospital. A third is the only York County16<br />

hospital that has not<br />

affiliated with <strong>Maine</strong> Medical Center. If the inadequacies of 17 the proposed Anthem<br />

network are in any way a function of an anti-competitive goal, 18we all should find that<br />

especially troubling.<br />

Additionally, the Blue Cross <strong>and</strong> Blue Shield Association for20<br />

years has touted the<br />

national coverage <strong>and</strong> access for members carrying a BCBS card. 21 This program known<br />

as “BlueCard” allows a member to utilize ANY participating22<br />

<strong>blue</strong> <strong>cross</strong> <strong>and</strong> <strong>blue</strong> <strong>shield</strong><br />

provider nationally. Certain language components m<strong>and</strong>ated23<br />

by the <strong>blue</strong> <strong>cross</strong> <strong>and</strong> <strong>blue</strong><br />

<strong>shield</strong> association are contained in our provider agreements today. 24 So how does a limited<br />

provider network fit into this scheme? Presumably, according25<br />

to contractual language<br />

Anthem would have to allow any member to receive care from26<br />

a participating <strong>blue</strong> <strong>cross</strong><br />

<strong>and</strong> <strong>blue</strong> <strong>shield</strong> provider, like York Hospital. However, they 27 will likely attempt to “steer”<br />

patients away from York through benefit design <strong>and</strong> prior authorization 28 procedures<br />

effectively suggesting to patients that medically necessary care 29cannot be rendered at<br />

their local hospital. The concept of prior authorizations was never intended to<br />

5

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