Criticism
The cost of selling individual insurance requires more overhead than group insurance. "Policies that provide the exact same coverage to someone working for a large employer will cost more for an individual," says the Center for American Progress's website for college students. "Even worse, insurers can pick and choose preexisting conditions and then deny coverage for those deemed too costly to cover." A Center for American Progress fellow estimated the average difference in administrative costs alone was $300 per year between individual and group insurance. The Freelancers Union acknowledges those problems with the open market, but asserts that its large-group bargaining power, its captive insurance company's obligation to grant coverage, and its non-profit marketing role all serve as effective remedies.
In January 2008, Freelancers Union was criticized by both its members and the press when its new Freelancers Insurance Company became the entity providing coverage to members. At that time, the Union dropped Empire Blue Cross Blue Shield in favor of a range of new options, mostly more expensive, with Anthem BC/BS remaining only as claims processing agent. Members then faced the complexity inherent in comparing the limits, exclusions, co-payments, co-insurance percentages, and annual and other deductibles of the various new options with those of the old plans. Through this process, some members were even inadvertently dropped altogether.
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Famous quotes containing the word criticism:
“Like speaks to like only; labor to labor, philosophy to philosophy, criticism to criticism, poetry to poetry. Literature speaks how much still to the past, how little to the future, how much to the East, how little to the West.”
—Henry David Thoreau (1817–1862)
“It is ... pathetic to observe the complete lack of imagination on the part of certain employers and men and women of the upper-income levels, equally devoid of experience, equally glib with their criticism ... directed against workers, labor leaders, and other villains and personal devils who are the objects of their dart-throwing. Who doesn’t know the wealthy woman who fulminates against the “idle” workers who just won’t get out and hunt jobs?”
—Mary Barnett Gilson (1877–?)
“The aim of all commentary on art now should be to make works of art—and, by analogy, our own experience—more, rather than less, real to us. The function of criticism should be to show how it is what it is, even that it is what it is, rather than to show what it means.”
—Susan Sontag (b. 1933)