Ethics

If you have no idea what you're paying good money for when you enroll in a health insurance plan, there's a good reason for that: insurers profit from your ignorance. And they're waging an intense, behind-the-scenes campaign to keep you in the dark.

In my first appearance before Congress after leaving the insurance industry, I told members of the Senate Commerce Committee that insurers intentionally make it all but impossible for consumers to find out in advance of buying a policy exactly what is covered and what isn't, and how much they'll be on the hook for if they get sick or injured. Insurers are quite willing to provide you with slick marketing materials about their policies, but those materials are notoriously skimpy when it comes to useful information. And the documents they provide after you enroll are so dense that few of us can understand them.

Members of Congress and the Obama administration have assured us that on January 1, 2014, junk health insurance plans -- which offer only the illusion of adequate coverage to the millions of Americans enrolled in them -- will become a thing of the past.

Among those who clearly don't believe those plans are headed for extinction are the insurance companies that market these highly profitable plans, and the employers that buy them -- primarily restaurant chains and retailers with high employee turnover.

If I were President Obama, I would send one of my aides to the Chicago suburbs later this week to see first-hand just how determined these companies are to continue selling these plans -- which are euphemistically called "mini-med" and "limited-benefit policies" -- long past 2014.

The Public Relations Society of America, the trade group for the American public relations industry, and Jack O'Dwyer, who has specialized in reporting on the PR industry for over 40 years, are at war, and the battle is getting heated -- and harmful for PRSA.

Why should people care about this obscure fight? Because the conflict is a microcosm of the battle against the unethical and harmful PR trends that are hurting this country.

If you think Rep. Paul Ryan's plan to privatize Medicare is dead, think again.

Last week, the insurance industry and its allies began what I predict will be a massive campaign to sell the public and policymakers on the idea of moving forward with the Ryan plan -- albeit with a few tweaks and new a new sales pitch to make it seem more consumer-friendly.

An outfit called the Healthcare Leadership Council (HLC) announced in a press release a scheme that could be called Ryan-lite, but don't be fooled: the plan would -- to use a favorite industry term -- take us down the "slippery slope" toward a complete corporate takeover of the Medicare program. (Insurers and their allies for years have warned Americans that enacting sweeping health care reforms they don't like would lead us down the slippery slope toward socialism.)