BigInsurance Whistleblower Writes Extensive Article in CounterPunch ("THIS IS A TEST OF THE EMERGENCY USDOJ-DODGING- RESPONSIBILITY SYSTEM...")



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Subject: BigInsurance Whistleblower Writes Extensive Article in
CounterPunch

Date: Jun 26, 2009 9:12 AM

Says he is ready to be trashed, stalked and harassed
as a whistleblower, since he was in charge of such
endeavors for CIGNA and knows how the system works:
http://www.actionlyme.org

("THIS IS A TEST OF THE EMERGENCY USDOJ-DODGING-
RESPONSIBILITY SYSTEM...")

http://www.counterpunch.org/potter06252009.html

June 25, 2009

A Former Insurance Industry Insider Tells All
The Health Insurance Industry v. Health Care Reform

By WENDELL POTTER

I'm the former insurance industry insider now speaking out about how
big for-profit insurers have hijacked our health care system and
turned it into a giant ATM for Wall Street investors, and how the
industry is using its massive wealth and influence to determine what
is (and is not) included in the health care reform legislation members
of Congress are now writing.

Although by most measures I had a great career in the insurance
industry (four years at Humana and nearly 15 at CIGNA), in recent
years I had grown increasingly uncomfortable serving as one of the
industry's top PR executives. In addition to my responsibilities at
CIGNA, which included serving as the company's chief spokesman to the
media on all corporate and financial matters, I also served on a lot
of trade association committees and industry-financed coalitions, many
of which were essentially front groups for insurers. So I was in a
unique position to see not only how Wall Street analysts and investors
influence decisions insurance company executives make but also how the
industry has carried out behind-the-scenes PR and lobbying campaigns
to kill or weaken any health care reform efforts that threatened
insurers' profitability.

I also have seen how the industry's practices -- especially those of
the for-profit insurers that are under constant pressure from Wall
Street to meet their profit expectations -- have contributed to the
tragedy of nearly 50 million people being uninsured as well as to the
growing number of Americans who, because insurers now require them to
pay thousands of dollars out of their own pockets before their
coverage kicks in -- are underinsured. An estimated 25 million of us
now fall into that category.

What I saw happening over the past few years was a steady movement
away from the concept of insurance and toward "individual
responsibility," a term used a lot by insurers and their ideological
allies. This is playing out as a continuous shifting of the financial
burden of health care costs away from insurers and employers and onto
the backs of individuals. As a result, more and more sick people are
not going to the doctor or picking up their prescriptions because of
costs. If they are unfortunate enough to become seriously ill or
injured, many people enrolled in these plans find themselves on the
hook for such high medical bills that they are losing their homes to
foreclosure or being forced into bankruptcy.

As an industry spokesman, I was expected to put a positive spin on
this trend that the industry created and euphemistically refers to as
"consumerism" and to promote so-called "consumer-driven" health plans.
I ultimately reached the point of feeling like a huckster.

I thought I could live with being a well-paid huckster and hang in
there a few more years until I could retire. I probably would have if
I hadn't made a completely spur-of-the-moment decision a couple of
years ago that changed the direction of my life. While visiting my
folks in northeast Tennessee where I grew up, I read in the local
paper about a health "expedition" being held that weekend a few miles
up U.S. 23 in Wise, Va. Doctors, nurses and other medical
professionals were volunteering their time to provide free medical
care to people who lived in the area. What intrigued me most was that
Remote Area Medical, a non-profit group whose original mission was to
provide free care to people in remote villages in South America, was
organizing the expedition. I decided to check it out.

That 50-mile stretch of U.S. 23, which twists through the mountains
where thousands of men have made their living working in the
coalmines, turned out to be my "road to Damascus."

Nothing could have prepared me for what I saw when I reached the Wise
County Fairgrounds, where the expedition was being held. Hundreds of
people had camped out all night in the parking lot to be assured of
seeing a doctor or dentist when the gates opened. By the time I got
there, long lines of people stretched from every animal stall and tent
where the volunteers were treating patients.

That scene was so visually and emotionally stunning it was all I could
do to hold back tears. How could it be that citizens of the richest
nation in the world were being treated this way?

A couple of weeks later I was boarding a corporate jet to fly from
Philadelphia to a meeting in Connecticut. When the flight attendant
served my lunch on gold-rimmed china and gave me a gold-plated knife
and fork to eat it with, I realized for the first time that someone's
insurance premiums were paying for me to travel in such luxury. I also
realized that one of the reasons those people in Wise County had to
wait in long lines to be treated in animal stalls was because our Wall
Street-driven health care system has created one of the most
inequitable health care systems on the planet.

Although I quit my job last year, I did not make a final decision to
speak out as a former insider until recently when it became clear to
me that the insurance industry and its allies (often including drug
and medical device makers, business groups and even the American
Medical Association) were succeeding in shaping the current debate on
health care reform. While the thought of speaking out had crossed my
mind during the months leading up to the day I gave notice, I
initially decided instead to hang out my shingle as a consultant to
small businesses and nonprofit organizations.

I decided to take the shingle down, though, at least for a while, when
I heard members of Congress reciting talking points like the ones I
used to write to scare people away from real reform. I'll have more to
say about that over the coming weeks and months, but, for now,
remember this: whenever you hear a politician or pundit use the term
"government-run health care" and warn that the creation of a public
health insurance option that would compete with private insurers (or
heaven forbid, a single-payer system like the one Canada has) will
"lead us down the path to socialism," know that the original source of
the sound bite most likely was some flack like I used to be.

Bottom line: I ultimately decided the stakes are too high for me to
just sit on the sidelines and let the special interests win again. So
I have joined forces with thousands of other Americans who are trying
to persuade our lawmakers to listen to us for a change, not just to
the insurance and drug company executives who are spending millions to
shape reform to benefit them and the Wall Street hedge fund managers
they are beholden to.

Take it from me, a former insider, who knows what really motivates
those folks. You need to know where the hard-earned money you pay in
health insurance premiums -- if you lucky enough to have coverage at
all -- really goes.

I decided to speak out knowing that some people will not like what I
have to say and will do all they can to discredit me. In anticipation
of that, here are some facts:

I am not doing this because my former employer was pushing me out the
door or because I had become a disgruntled employee. I had not been
passed over for a promotion or anything like that. As I noted earlier,
I had a financially rewarding career in the industry, and I'm very
grateful for that. I had numerous promotions, raises, bonuses, stock
options and stock grants over the years. When I left my last job, I
was as close on the corporate ladder to the CEO as any PR person has
ever climbed at the company. I reported to the general counsel, the
company's top lawyer, whose boss is the chairman and CEO, a man I like
and worked closely with over many years.

The decision to leave was entirely my own, and I left on good terms
with everybody at the company. In fact, I agreed to postpone my last
day at work by more than two months at the company's request. My
coworkers gave me a terrific going-away party, and I received dozens
of kind notes from people all across the country including friends at
other companies and at America's Health Insurance Plans, the industry
trade association.

I still consider all of them my friends. In fact, the thing I have
missed most since I left is working as part of a team, even though I
eventually came to the conclusion that I was playing for the wrong
side. Being a consultant has its advantages, but I have missed the
camaraderie. After a few months, I thought that maybe I should
consider working for another company again. At one point, a former
boss told me that another insurer had posted a PR job and encouraged
me to contact a former CIGNA executive who worked there about it.
Against my better judgment, I did, but I immediately decided not to
pursue it. The last thing I wanted to do was to go from one big
insurer to another one. What the hell was I thinking?

I'm writing this because, knowing how things work, I'm fully expecting
insurers' PR firms to quietly feed friends of the industry (which
include a roster of editorial writers and pundits, lawmakers and many
others who fall under the broad category of "third-party advocates,")
with anything they can think of to discredit me and what I say. This
will go on behind the scenes because the insurers will want to
preserve the image they are working so hard to cultivate -- as a group
of kind and caring folks who think only of you and your health and are
working hard as real partners to Congress and the White House to find
"a uniquely American solution" to what ails our system.

I expect this because I have worked closely with the industry's PR
firms over many years whenever the insurers were being threatened with
bad publicity, litigation or legislation that might hinder profits.

One of the reasons I chose to become affiliated with the Center for
Media and Democracy is because of the important work the organization
does to expose often devious, dishonest and unethical PR practices
that further the self interests of big corporations and special
interest groups at the expense of the American people and the
democratic principles this country was founded on.

After a long career in PR, I am looking forward to providing an
insider's perspective as a senior fellow at CMD, and I am very
grateful for the opportunity to speak out for the rights and dignity
of ordinary people. The people of Wise County and every county deserve
much better than to be left behind to suffer or die ahead of their
time due to Wall Street's efforts to keep our government from ensuring
that all Americans have real access to first-class health care.

Wendell Potter is the Senior Fellow on Health Care for the Center for
Media and Democracy in Madison, Wisconsin.

"[Real] scientists are *fiercely* independent. That's the good
news."-- NIH's Top Fool, Anthony Fauci
.



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