Results of Surveys of Health Insurance Company Websites
Insurer Insurer and If a glossary was present, exactly what # of search
# website address for words or phrased were returned as results returned glossary, if found the result after searching the glossary for the term for the term “experimental” “experimental” 1 2015 Aetna “Experimental services or procedures https://www.aetna.co These are often newer drugs, treatments m/glossary.html or tests. They are not yet accepted by Aetna.com doctors or by insurance plans as standard 1583 treatment. They may not be proven as effective or safe for most people.” 2016 Aetna “Experimental services or procedures https://www.aetna.co These are often newer drugs, treatments m/glossary.html or tests. They are not yet accepted by doctors or by insurance plans as standard treatment. They may not be proven as effective or safe for most people.” Aetna.com 999 2018 Aetna “Experimental services or procedures https://www.aetna.co These are often newer drugs, treatments m/glossary.html or tests. They are not yet accepted by doctors or by insurance plans as standard treatment. They may not be proven as Aetna.com effective or safe for most people.” 801 2 2015 CIGNA “Experimental Procedures http://www.cigna.com Unproven or investigational treatments Cigna.com (191) /glossary that are not in line with generally Medical Library accepted standards of care.” (70) 2016 Cigna “Experimental Procedures http://www.cigna.com Unproven or investigational treatments Cigna.com (389) /glossary that are not in line with generally Medical Library accepted standards of care.” (430) 2018 Cigna “Experimental Procedures http://www.cigna.com Unproven or investigational treatments Cigna.com (23) /glossary that are not in line with generally Medical Library accepted standards of care.” (149) 3 2015 Emblem “Experimental Procedures http://www.emblemhe Procedures that are mainly limited to alth.com/en/Members/ laboratory research.” Emblemhealth.co Resources/Glossary.as m px 321 2016 Emblem “Experimental Procedures Emblemhealth.co http://www.emblemhe Procedures that are mainly limited to m alth.com/en/Members/ laboratory research.” 197 Resources/Glossary.as px 2018 Emblem “Experimental Procedures. Procedures https://www.emblemh that are mainly limited to laboratory Emblemhealth.co ealth.com/Members/R research.” m esources/Glossary 39 4 2015 Humana Term not in glossary https://www.humana.c om/learning- center/glossary/?kc=1 Humana.com 005011074 15 2016 Humana Term not in glossary https://www.humana.c om/learning- center/glossary/?kc=1 Humana.com 005011074 0 2018 Humana Term not in glossary Humana.com https://www.humana.c “global search om/learning- results” – 0 center/glossary but then shows 8 that were found ?? [https://www.hum ana.com/global- search- results?searchTer m=experimental& searchCollection= IDE_HumanaCo m&frontEnds=ID E_HumanaCom& interfaceID=1]
5 2015 Kaiser No general glossary found Kaiserpermanente
.org 85 2016 Kaiser No general glossary found Kaiserpermanente .org 80 2018 Kaiser No general glossary found https://healthy.kai https://healthy.kaiserp serpermanente.or ermanente.org/ g/ [website address had 80 been changed] 6 2015 Blue Cross/Blue Term not in glossary Shield of Illinois/http:// www.bcbsil.com/insur ance-basics/ understanding-health- BCBSIL.com insurance/ glossary 0 2016 Blue Cross/Blue Term not in glossary Shield of Illinois/http:// www.bcbsil.com/insur ance-basics/ understanding-health- BCBSIL.com insurance/ glossary 0 2018 Blue Cross/Blue Term not in glossary Shield of Illinois https://www.bcbsil.co m/insurance- basics/understanding- BCBSIL.com health- 1 insurance/glossary#E 7 2015 United Term not in glossary Healthcare/http://ww w.uhc.com/searchresu UHC.com lt?q=glossary&locale= 29 en 2016 United Term not in glossary Healthcare/http://ww w.uhc.com/searchresu UHC.com lt?q=glossary&locale= 359 en 2018 United 1st link: https://www.uhc.com/united- UHC.com /http://www.uhc.com/ for-reform/uniform-glossary-health- 384 searchresult?q=glossar reform-terms-and-definitions à “The y&locale=en à Uniform Glossary is accessible at the brings you to list of following 2413 results for search sites: www.cciio.cms.gov(Opens a new of “glossary” window), www.dol.gov/ebsa/healthreform (Opens a new window) and www.healthcare.gov(Opens a new window). Plans and issuers must also provide a paper copy of the Uniform Glossary upon request. “
2nd Link: to “Glossary of Health
Coverage and Medical Terms” – term not in glossary (https://www.uhc.com/content/dam/uhcd otcom/en/HealthReform/PDF/Provisions /uniform-glossary-final.pdf)
8 2015 “Experimental – Investigational or
HCSC/http://www.me unproven, not yet proven safe or dicalpolicy.hcsc.net/m effective.” edicalpolicy/activePol icyPage?lid=i2kcy40k www.medicalpoli &corpBrand=HCSC& cy.hcsc.net corpEntCd=IL1 443 2016 HCSC It appears changes were made to the HCSC website that render it not possible to make an exact comparison. Upon clicking on the link used in 2015, the searcher is taken to an error message See notes in “this web page is not available.” middle column of ERR_NAME_NOT_RESOLVED. table. 2016 HSCS Term not in glossary alternative search at http://www.hcsc.com/ glossary.html 2018 HSCS It appears changes were made to the HCSC website that render it not possible to make an exact comparison. Upon clicking on the link used in 2016, the searcher is taken to an error message “Error 404: SRVE0190E: File not found: /glossary.html”
2018 HSCS Could not find a glossary. Search on http://www.hcsc.c
http://www.hcsc.com/ main website for “glossary” brought me om/ to http://www.hcsc.com/understanding- 0 health-insurance/how-insurance-work. That page does not mention the term “experimental” 9 2015 Cannot find way to search without Anthem Blue Cross putting in member number Blue Shield/anthem.com 2016 Cannot find way to search without Anthem Blue Cross putting in member number Blue Shield/anthem.com 2018 Anthem Blue There was no apparent When I googled https://www.anth Cross Blue “Anthem Blue Cross Blue Shield em.com/ https://www.anthem.c glossary” found link to a Glossary 1 om/wps/portal/ca/foot (https://www.anthem.com/wps/portal/ca/ er?content_path=share footer?content_path=shared/f0/s0/t0/pw [Allowed you to d/f0/s0/t0/pw_a10414 _a104140.htm&label=Glossary) search without 0.htm&label=Glossar putting in y) “Experimental: Procedures that are not member number] recognized under generally accepted medical standards as safe and effective for treating a particular condition.” 10 2015 Carefirst Inc. “Experimental Procedures Group/https://member Any service or supply that is in the .carefirst.com/individu developmental stage or is in the process als/search.page?search of human or animal testing.” Word=glossary&searc hBtn.x=0&searchBtn. https://member.ca y=0&actionFieldAudi refirst.com ence=search 10 2016 Carefirst Inc. “Experimental Procedures https://member.carefir Any service or supply that is in the st.com/individuals/hea developmental stage or is in the process lth-insurance- of human or animal testing.” glossary/health- insurance-glossary- https://member.ca e.page?alphaId=glossa refirst.com ry-e 15 2018 Carefirst Inc. “Experimental Procedures https://member.ca https://member.carefir Any service or supply that is in the refirst.com st.com/members/healt developmental stage or is in the process 14 h-insurance- of human or animal testing.” glossary/health- insurance- glossary.page?
11 2015 Centene Corp. No general glossary found www.centene.co
Group/centene.com m 0 2016 Centene Corp. No general glossary found www.centene.co Group/centene.com m 0 2018 Centene Corp. No general glossary found www.centene.co www.centene.com/ m 0 12 2015 Blue Cross Blue Term not in glossary Shield of Florida Group/http://www.bcb sfl.com/wps/wcm/con nect/34c4f6004f40e07 1bc3dfe53a65fe90d/S http://www.bcbsfl BCUniformGlossary.p .com df?MOD=AJPERES 12 2016 Blue Cross Blue Term not in glossary Shield of Florida https://www.floridabl http://www.bcbsfl ue.com/general/glossa .com ry#E 17 2018 Blue Cross Blue Term not in glossary http://www.bcbsfl Shield of Florida .com https://www.floridabl 52 ue.com/general/glossa ry#E
13 2015 Blue Cross Blue “experimental
Shield of See investigational.” Michigan/http://www. “investigational bcbsm.com/providers/ Any procedure, treatment, supply, help/glossary/provider device or drug that has not received -e.html FDA approval or is not yet supported by the clinical community because the scientific evidence available does not demonstrate the effectiveness of the bcbsm.com service or technology.” 10 2016 Blue Cross Blue “experimental Shield of Michigan See investigational.” http://www.bcbsm.co “investigational m/providers/help/glos Any procedure, treatment, supply, sary/provider-e.html device or drug that has not received FDA approval or is not yet supported by the clinical community because the scientific evidence available does not demonstrate the effectiveness of the Bcbsm.com service or technology.” 389 2018 Blue Cross Blue “experimental Bcbsm.com Shield of Michigan See investigational.” Did not give “investigational exact # of search Any procedure, treatment, supply, results – 10 pages device or drug that has not received FDA approval or is not yet supported by the clinical community because the scientific evidence available does not demonstrate the effectiveness of the service or technology.” 14 2015 Assurant Health: Term not in glossary http://www.assuranthe alth.com/learning- center/ understanding- health-insurance/ Assuranthealth.co glossary-of-health- m insurance-terms#gl05 5 2016 Assurant Health: Term not in glossary http://www.assuranthe alth.com/learning- Assuranthealth.co center/glossary-of- m health-insurance- 5 terms 2018 Assurant Health: According to the following link found in No search box http://www.assuranthe 2018, Assurant, Inc., “exited from the alth.com/learning- health insurance marketplace” as of June center/glossary-of- 10, 2015. See health-insurance- http://www.assuranthealth.com/ said: terms “Important news regarding Assurant Health. On June 10, 2015, Assurant Health’s parent company, Assurant, Inc., announced an exit from the health insurance marketplace to focus on housing and lifestyle specialty protection products and services. Assurant is winding down its major medical operations. Assurant is committed to providing a smooth process for our customers and will meet all claims and benefit commitments.”
Preceding link did not appear in search
from 2016. 15 2015 Golden Rule Experimental or Investigational Insurance Co.: Procedures -- Health care services, http://www.goldenrule procedures, therapies, devices, or .com/glossary- supplies that the insurance company terms/experimental- considers medically unproven are procedures/ considered experimental or investiga- http://www.golde tional procedures. Such treatments are nrule.com typically excluded from coverage. 5 2016 Golden Rule “Experimental or Investigational Insurance Co.: Procedures -- Health care services, http://www.goldenrule procedures, therapies, devices, or .com/glossary- supplies that the insurance company terms/experimental- considers medically unproven are procedures/ considered experimental or investiga- http://www.golde tional procedures. Such treatments are nrule.com typically excluded from coverage.” 2 2018 Golden Rule www.uhone.com Insurance Co.: Curiously, as of April 2018, the Golden has no search box Rule link from 2016 connects to a http://www.goldenrule United Healthcare Glossary at .com/glossary- https://www.uhone.com/glossary. That terms/experimental- glossary listed “Experimental or procedures/ Investigational Procedures. Health care services, procedures, therapies, devices, or supplies that the insurance company considers medically unproven are considered experimental or investigational procedures. Such treatments are typically excluded from coverage.” Searching the internet for a transaction between Golden Rule Insurance and United Health did not yield any results. Therefore, no explanatory corporate transaction was found. However, it may be that some corporate transaction led to this change. It also is possible that Golden Rule licensed the right to utilize the definitions promulgated by United Healthcare. Interestingly, however, there is no United Health Care glossary at ( ) did not list a definition for “experimental.” 16 2015 Excellus: Term not in glossary https://www.excellusb cbs.com/wps/portal/xl /mbr/searchdisplay?W CM_GLOBAL_CON TEXT=/wps/wcm/con nect/default/excellus/ member/health+plans/ https://www.excel glossary/glo- lusbcbs.com glossary+of+terms 9 2016 Excellus: Term not in glossary https://www.excellusb cbs.com/wps/portal/xl /mbr/searchdisplay?W CM_GLOBAL_CON TEXT=/wps/wcm/con nect/default/excellus/ member/health+plans/ https://www.excel glossary/glo- lusbcbs.com glossary+of+terms 9 2018 Excellus: Term not in glossary https://www.excel https://www.excellusb lusbcbs.com cbs.com/wps/portal/xl 2 /how-it- works/glossary 17 2015 Molina Health Term not in glossary Care: http://www.molinahea lthcare.com/members/ common/Search/result s.aspx?k=glossary&s= http://www.molin membersentirewebsite ahealthcare.com &v=en-us 820 2016 Molina Health Term not in glossary Care: http://www.molinahea lthcare.com/members/ common/Search/result s.aspx?k=glossary&s= http://www.molin membersentirewebsite ahealthcare.com &v=en-us 1,700 2018 Molina Health Link from 2016 did not bring me to an http://www.molin Care: actual glossary – rather a list of search ahealthcare.com/ results for “glossary” 91 When I searched google for “Molina Health Care Glossary” found this link: http://www.molinahealthcare.com/provi ders/oh/marketplace/manual/PDF/17%2 0Glossary.pdf Which lists “Experimental or Investigational: any medical service including procedures, medications, facilities, and devices that Molina Healthcare has determined have not been demonstrated as safe or effective compared with conventional medical services.”