Insurance coverage: "Largely Illusory"

Following in the footsteps of NY Attorney General, Andrew Cuomo, http://conoutofconsumer.blogspot.com/search?q=andrew+cuomo, Los Angeles City Attorney Rocky Delgadillo has filed suit against California's Anthem Blue Cross. In the California case, the issue is rescission and allegations that coverage provided to insureds was "largely illusory." See: http://www.latimes.com/business/la-fi-insure17apr17,0,3901131.story

This is good news for consumers but does not change the lag time, the delay in governmental action in "rescuing" consumers. One of the obvious reasons for such delays is that ONE complaint does not normally a lawsuit make, it takes many, over time. Consumers should always start notifying insurance commissioners, and any other officials within their local governments, including elected representatives as soon as their insurer starts behavior that is bad for the consumer.

Rescission is just the next step in insurance company greed, rather than reducing coverage, delaying reimbursements or stalling, these California cases involve people whose coverage was terminated. This is a pretty low bar for performance expectations from insurance companies (try to behave legally), but it is at least a boundary of how far insurance companies can go. More interesting are the aspects of "promised" coverage, which I have experienced only to be told no after the fact. It will be interesting to see whether the issue gains any clarity, for me, verbal confirmations of coverage will be sent to insurance companies:

eg On_________, I spoke with _________ from your office regarding the following medical service. At that time coverage was confirmed and promised upon the receipt of ____________(receipt, statement, full report whatever is required) from the insured. I am sending this confirmation of coverage to you and will proceed based on the information provided by your representative.