Fresno Bee Endorses "Proposition 45 is worthy of a 'yes vote", Says: Ballot Initiative Will Rein In Health Insurance Premiums!

"Why do these insurance giants fear Prop 45? The fact is, California is among a handful of states not making health care insurers justify their rates," the Fresno Bee said. "The way things work in the Golden State, the insurance commissioner reviews rates and can comment on them, but lacks the power to lower premium increases. These forces — you know them as Blue Cross, Blue Shield, Kaiser, HealthNet and United Healthcare — don't want voters to approve Prop. 45 on the Nov. 4 ballot because it would force them to justify premium increases and bring transparency to the process,"

SANTA MONICA, Calif., Oct. 17, 2014 /PRNewswire-USNewswire/ -- The Fresno Bee has endorsed Proposition 45 saying it will rein in health insurance rates and noting "powerful forces are opposed" to the ballot initiative.

"These forces — you know them as Blue Cross, Blue Shield, Kaiser, HealthNet and United Healthcare — don't want voters to approve Prop. 45 on the Nov. 4 ballot because it would force them to justify premium increases and bring transparency to the process," the editorial said.

Read the Fresno Bee's editorial.

The editorial noted as of Sept 30. Prop 45 opponents had "$11.5 million in their kitty to air more of the deceptive ads filling the airwaves of late" and predicted they would spend $50 million by Election Day.

"Why do these insurance giants fear Prop 45? The fact is, California is among a handful of states not making health care insurers justify their rates," the Fresno Bee said. "The way things work in the Golden State, the insurance commissioner reviews rates and can comment on them, but lacks the power to lower premium increases."

The editorial countered claims from Prop 45 opponents that the measure puts too much power in the hands of a single individual. "Voters entrusted the insurance commissioner to reject auto insurance rate increases by passing Proposition 103 in 1987 and that decision put the brakes on runaway premiums," the editorial said.

The Bee warned readers: "Don't believe the nonsense from the health insurers, specifically that line in the television commercial about the 'new independent commission.' There is no such thing."

"Proposition 45 is worthy of a 'yes vote," the editorial concluded. "But if you want to put more of your hard-earned dollars into the pockets of insurance company CEOs, by all means vote 'no.' They might be having trouble making the mortgage on their second yacht — or third vacation home.

Proposition 45 would require health insurance companies to publicly justify their rates and allow the state insurance commissioner to reject rate hikes deemed excessive. The same rules for auto insurance in California have saved drivers $102 billion since 1988. 

U.S. Senator Dianne Feinstein is the co-chair of the Prop 45 campaign, which is backed by Consumer Watchdog, the California Nurses Association, and a broad coalition of consumer, labor, low-income, senior and healthcare organizations and providers. 

Other newspapers that have endorsed Prop 45 include: Chico Enterprise-Record, Contra Costa Times, Oakland Tribune, San Diego CityBeat, San Diego Free Press, San Francisco Bay Guardian, San Jose Mercury News and Santa Clarita Valley Signal.

For more about Proposition 45 visit: www.yeson45.org

Paid for by Consumer Watchdog Campaign – Yes on 45, a coalition of consumer advocates, attorneys, policyholders, and nurses. 777 S. Figueroa St., Ste. 4050, Los Angeles, CA  90017.  Major Funding by Consumer Watchdog/Consumer Watchdog Campaign and California Nurses Association Initiative Political Action Committee.

SOURCE Consumer Watchdog Campaign

Policyholders, Prop 45 Advocates And Nurses Deliver A Truck Load Of Manure To Blue Shield

"We're here to give back the B.S. that Blue Shield and the rest of the health insurance industry has been throwing at voters in the anti-Prop 45 advertising that lies about Prop 45's impact and hides the insurance companies' funding. Prop 45 simply extends to California health insurance companies the same rate regulation that exists in 35 other states for health insurance and has saved Californians more than $100 billion on their auto insurance," said Carmen Balber, executive director of Consumer Watchdog.
Blue Shield has given $12.3 million of policyholders' money to the $57 million insurance war chest against Prop 45, has been shoveling to Californians in its deceptive advertising against the rate regulation measure. The four largest health insurance companies responsible for most of the money against Prop 45, Blue Shield, Anthem Blue Cross and its parent company Wellpoint, Kaiser and Health Net gave another $13.5 million against Prop 45 in just the last week.

Press Release;

Policyholders, Prop 45 Advocates And Nurses Deliver Manure To Blue Shield To Return Some of the B.S. In Insurance Industry's Ad Campaign Against Prop 45 - Spending Reaches $57 Million, Says Consumer Watchdog Campaign

 SAN DIEGO, Oct. 23, 2014 /PRNewswire-USNewswire/ -- Health insurance policyholders joined with bedside nurses from the California Nurses Association and consumer advocates supporting Proposition 45, which prohibits excessive rate increases, to deliver a pickup truck containing a ton of steer manure to Blue Shield's San Diego offices.

The Proposition 45 supporters said they were simply returning some of the same material that the insurance company, which has given $12.3 million of policyholders' money to the $57 million insurance war chest against Prop 45, has been shoveling to Californians in its deceptive advertising against the rate regulation measure. The four largest health insurance companies responsible for most of the money against Prop 45, Blue Shield, Anthem Blue Cross and its parent company Wellpoint, Kaiser and Health Net gave another $13.5 million against Prop 45 in just the last week.

"We're here to give back the B.S. that Blue Shield and the rest of the health insurance industry has been throwing at voters in the anti-Prop 45 advertising that lies about Prop 45's impact and hides the insurance companies' funding. Prop 45 simply extends to California health insurance companies the same rate regulation that exists in 35 other states for health insurance and has saved Californians more than $100 billion on their auto insurance," said Carmen Balber, executive director of Consumer Watchdog.

Prop 45 requires health insurance companies to get approval from the elected insurance commissioner before raising rates, but the advertising hides this fact and falsely claims that consumers have to choose between Prop 45 and "an independent commission." The ads apparently refer to Covered California, the state health insurance exchange, but that appointed body does not have the power to reject excessive rate increases as they claim.

The No On Prop 45 campaign's advertising has been widely branded as deceptive. Pulitzer prize-winning LA Times columnist Mike Hiltzik wrote about the No On Prop 45 campaign's deceptions in a column titled "The 5 rules on how to kill a consumer-friendly initiative." Read the column here.

Experts with California State University's Project for an Informed Electorate showed how the advertisements were misleading and gave it poor grades on Monday in a KCRA- TV report: 

A widespread insurance industry advertisement against 45 has a purported "small business owner," who claims Prop 45 will hurt his business, but is in fact an actor who played Father Marquez in Modern Family. See the actor: The advertisement does not identify the actor as a paid spokesperson.

Read more about the insurance companies' false advertising claims: Yeson45

Yesterday, the insurance commissioner announced that a proposed rate increase impacting 120,000 employees of small businesses insured by Anthem Blue Cross was unreasonable but would go into effect regardless, because insurance companies currently do not need approval for rate increases. Under Proposition 45, the insurance commissioner could reject rate hikes he found to be excessive.

Blue Shield also recently raised its rates despite rate reviews conducted by Consumers Union, under an Affordable Care Act grant, that found the rates unjustified based on the insurance companies' record-high surpluses, unrealistic claims projections and excessive company perks.

For example, Blue Shield has 1600% more in its $4.4 billion investment reserves than is required by the State of California.  Proposition 45 can stop this "over-reserving" practice of insurance companies by giving the insurance commissioner the power to prevent rate hikes if companies engage in such creative accounting.

Health insurance policyholders spoke out today about the company's practices and deceptive advertising.

Rena Marocco of Vista said: "Our premiums have steadily increased for the past three years but this year was the biggest jump - almost $400/month for my family.  We try to put some money away in savings, but that's all getting eaten up by the cost of our healthcare. Our monthly bill is almost as high as our mortgage.  And besides the premiums, I still have out of pocket expenses to pay for ongoing monitoring and treatment.  As a breast cancer survivor, I am constantly being told by my doctors to avoid stress - but how can I when I have to stress out about how I'm going to pay this huge insurance premium?  I support Prop 45 to stop these egregious premium hikes."  

"Premiums for my wife and I increased close to 300% over the years for higher deductible health insurance plans that effectively offered no real coverage. We thought we were lucky when we got a subsidy with a Covered California plan. But now, even with some of our $1200 monthly premiums to Anthem BlueCross being paid for by the taxpayers, we still aren't getting the coverage we were promised. My wife needed emergency services and Anthem stuck us with a huge bill that should have been covered. I'm still paying hundreds of dollars a month for coverage that isn't worth it," said Phil Rogul, of Carlsbad.

The nonprofit Blue Shield has also come under fire in San Francisco for having a multi-million dollar skybox at the new 49ers stadium while raising rates and cutting doctors' networks.  The company recently refused to accept a petition at its San Francisco offices from 22,000 California taxpayers and policyholders who wanted access to those tickets since their premiums and tax dollars paid for the skybox.  Watch video of that protest 

Paid for by Consumer Watchdog Campaign – Yes on 45, a coalition of consumer advocates, attorneys, policyholders, and nurses. 777 S. Figueroa St., Ste. 4050, Los Angeles, CA  90017.  Major Funding by Consumer Watchdog Campaign and California Nurses Association.

SOURCE Consumer Watchdog Campaign