Tell us why Anthem's emergency care coverage policy is harmful to you.

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Anthem Blue Cross Blue Shield in Missouri recently notified emergency service providers that they would deny coverage for services already provided when Anthem decides the services were not for a true emergency. The reason is that they are trying to reduce inappropriate use of the emergency department. But, will some individuals delay or not seek important and life-saving care when they may really need it?

The Missouri Hospital Association, Missouri State Medical Association, Missouri Association of Osteopathic Physicians and Missouri College of Emergency Physicians believe this is unfair to individuals who have health insurance through Anthem, and puts patients at risk. Federal and state laws require coverage for emergency services for any symptom that leads a person possessing average knowledge of health and medicine to believe immediate care is required. Anthem’s policy expects patients to diagnose their own condition and make a clinical decision that could be the difference between life and death. For example, is my chest pain from indigestion or is it a heart attack symptom?

Here are some recent articles about the issue:

Heart attack, sure. But is it an emergency?

Hospitals and patients feel the pain from Anthem’s ED policy

Rural hospitals balk as insurers narrow coverage sites

Physicians protest harmful Anthem emergency care coverage policy

Is Anthem’s ER policy legal? Health executives want state insurance director to weigh in

An ER visit, a $12,000 bill — and a health insurer that wouldn’t pay

Patients getting stuck with big bills after ER visits

Insurance policy leaves some ER patients uncovered videos:

Aneurysm or stomach cramps?

Chest pain or injured ribs?

If you have had a negative experience with Anthem after seeking or providing emergency services, we want to hear about it. Please scroll down below to tell us your story.