In thinking about medical care for my debate, I have been thinking about the 
shenanigans of the insurance companies.  The Marginal Revolution blog points to 
an 
insurance policy to cover businesses whose insurance providers refuse to pay.  
How 
long will it be before people with people will need to buy comparable policies 
for 
their medical care.

Sclafane, Susanne. 2008. "New Product Covers Legal Costs If Buyers Decide to 
Challenge Claim Denial." National Underwriters Property and Casualty." 
http://www.propertyandcasualtyinsurancenews.com/cms/nupc/Weekly%20Issues/issues/2008/26/News/P26CLAIMSDISPUTE
"The risk that a claim won.t be paid -- a potential downside that every buyer 
of 
insurance faces -- was an uninsured exposure until recently, according to the 
developers of a new policy to provide coverage so that risk managers can 
contest 
such rejections."
"The new coverage, available to businesses of all sizes, will pay up to 
$250,000 in 
legal expenses associated with contesting the denial of an insurance claim 
under a 
commercial policy.

.We know that wrongful coverage denials occur in our industry. There.s a reason 
coverage attorneys exist today,. Mr. White [Jason White, a managing director 
for 
Professional Services Group of Swett & Crawford, in the Los Angeles office of 
the 
Atlanta-based wholesale brokerage] said, explaining the impetus for the product 
launch. In fact, he noted, the idea came from a coverage law firm.Surdyk & 
Baker in 
Chicago."



-- 
Michael Perelman
Economics Department
California State University
Chico, CA 95929

Tel. 530-898-5321
E-Mail michael at ecst.csuchico.edu
michaelperelman.wordpress.com
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