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How to handle HMO disputes

(California)

 

What to do in a dispute with an HMO in light of Monday's ruling (June 21, 2004—the case is Aetna Health Inc. vs. Davila, 02-1845):

 

-- You must first file a complaint with your health plan before lodging a formal grievance with the Department of Managed Health Care, the California agency that licenses and regulates HMOs. Contact your health plan to get information regarding its complaint process.

 

-- If your health plan does not resolve the issue to your satisfaction within 30 days, you can file a complaint with the Department of Managed Health Care. The department's complaint process consists of a review of all written information provided by both you and the health plan, including relevant medical records, if necessary.

 

-- For grievances of treatment or reimbursement denials based on medical decisions, you may pursue an independent medical review through the department. You must submit a request for a review to the department within six months of receiving the denial from the HMO.

 

-- If you still cannot resolve the dispute, you may opt to go through binding arbitration if it is a requirement or option of your health plan.

 

-- For additional information, call your health plan directly or contact the Department of Managed Care's Help Center at (888) 466-2219 or at www.hmohelp.ca.gov .

 

Source: Department of Managed Health Care; San Francisco Chronicle research