By Oliver Kim
Last year, I had the good fortune to present at the Petrie-Flom Center’s conference on transparency and I started with an anecdote about a congressman who decided to wait rather than take his son immediately to the emergency room after he injured himself. The congressman assumed his son only had a sprain, but he had actually broken his arm. So why the wait? Because of a difference in his co-pay. In an interview, the congressman argued for policies to push consumers to understand—and be exposed to— healthcare costs in order to make better decisions about their care: “Way too often, people pull out their insurance card and they say ‘I don’t know the difference or cost between an X-ray or an MRI or CT Scan.’ I might make a little different decision if I did know (what) some of those costs were and those costs came back to me.”
The congressman’s policy prescription is becoming reality: last year, the largest Blue Cross Blue Shield plan Anthem announced a new policy where it would deny coverage for care provided in an emergency room that was later deemed non-emergent (except in certain circumstances). It seems a far cry from simply charging an ER co-pay, but Anthem argues it has seen a rise in non-emergency care being provided in emergency rooms. How are patients supposed to know if the ache or pain they are experiencing is not an emergency? Apparently there is a spreadsheet of over 1,900 ailments that Anthem considers non-emergent.
The Petrie-Flom Center is pleased to welcome Oliver Kim to the Bill of Health as our newest contributor!
Oliver is an adjunct professor with the University of Pittsburgh School of Law and a policy consultant in Washington, DC. He has over fifteen years of federal and state legislative and policy experience, including serving for eight years as a senior advisor to Senator Debbie Stabenow (D-MI) and two as deputy director for the Special Committee on Aging under Chairman Bill Nelson (D-FL). He was selected for the Woodrow Wilson foreign policy fellowship, the AcademyHealth Health Policy in Action award, the Hartford Foundation Change AGEnt program, and the American Council of Young Political Leaders’ international exchange program. He received his BA from Indiana University, JD from University of Minnesota, and LLM from the Georgetown University Law Center.
- Lois Magner and Oliver Kim. A History of Medicine (2018, 3rd ed.).
- Oliver Kim, “Ebbs and Flows: Issues in Cross-Border Exchange and Regulation of Health Information,” 26 Annals of Health Law 39 (Winter 2017).
- Oliver Kim, “Trying and dying: Are some wishes at the end of life better?” 7 Rutgers Journal of Bioethics 37 (Spring 2016).
- Oliver Kim, “When Things Fall Apart: Liabilities and limitations of compacts between state and tribal governments,” 26 Hamline Law Review 49 (2003).
- Oliver Kim, “The Driver’s Privacy Protection Act: On the Fast Track to National Harmony or Constitutional Chaos?” 84 Minnesota Law Review 223 (1999).