Released: October 21, 2008

An eroding model for health insurance

Source: Lisa Girion & Michael Hiltzik, L.A.Times (Free Registration)

Jennifer and Greg Danylyshyn of Pasadena are conscientious parents. They keep proper car seats in their used BMW, organic vegetables in the family diet and the pediatrician’s number by the phone.

They don’t have access to the group medical insurance offered by many employers. She’s a stay-at-home mom. He’s a self-employed music supervisor in the TV and film industry. So they buy individual policies for each family member. As careful consumers, they shopped for the best deals, weighed premium costs against benefits and always assumed they could keep their family covered.

Then last spring Blue Shield of California stunned them with a rejection notice. Baby Ava, their happy, healthy 7-pounder, was born with a minor hip joint misalignment. Her pediatrician said it was nothing serious and probably temporary.

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