More states move to protect patients seeking prescribed meds - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Newswires
Newswires RSS Get our newsletter
Order Prints
July 1, 2019 Newswires
Share
Share
Post
Email

More states move to protect patients seeking prescribed meds

Associated Press

AUGUSTA, Maine (AP) — A growing number of states have passed laws in hopes of helping patients get the medication they want despite the cost, including Maine under a new law recently signed by Democratic Gov. Janet Mills.

The new law, which mirrors similar legislation twice vetoed by the former Republican governor, is set to be effective in mid-September. Georgia, Washington and Oklahoma passed similar bills this year, according to the Arthritis Foundation, which calls Maine's law one of the nation's "strongest."

Currently, a policy known as "step therapy" allows insurers to require patients to try the least risky or most cost-effective drugs and progress to other prescribed medications only if necessary.

Supporters, which include patient rights groups, say Maine's new law would bring transparency and flexibility to that process. Such advocates say it's dangerous to force patients with chronic physical or mental illnesses to "fail first" and sometimes face emergency room visits and hospitalizations before receiving medication originally prescribed by their physician.

Existing Maine laws include some protections for patients who want to appeal such decisions. Health plans have two business days — or 24 hours for urgent requests — to make a decision on such appeals once they receive all the information they need.

But it's a cumbersome process, according to patient Lori Schnieders, of Cutler, Maine, who has autoimmune hepatitis and travels over four hours to receive treatment for rheumatoid arthritis she has battled for 40 years. She called step therapy a costly waste of time for providers that amounts to "torture" for some patients, particularly those not well-versed in insurance procedures.

"They put me through the process of: 'Have you tried this, have you tried that, let's try this,'" said Schnieders, a child psychology professor. "Because the medication that I'm on frankly is quite expensive."

Her insurer twice made her try a new medication that caused severe allergic reactions, she said. Now each January, she said, she has to justify why she wants to stay on her medication instead of switching to other drugs.

"If I'm not having severe flare-ups with my arthritis, then why not leave me on the medication that's worked for nine years?" She said. "Why keep trying to change it?"

Maine's new legislation would grant appeals or exceptions automatically if insurers don't decide in 48 hours, and within 24 hours for "exigent circumstances."

Schnieders said she is excited that Maine's law will require step therapy decisions to be based on clinical practice guidelines and ensure physicians can request exceptions. The law also includes explicit exceptions for patients who have already tried the required prescription drug.

Insurers could still require enrollees to try a generic drug before covering an equivalent brand-name prescription drug.

"It certainly doesn't ban step therapy," said Ben Chandhok, spokesman for the Arthritis Foundation. "We just want to make in certain specific circumstances, they can navigate that."

But insurers and pharmacy benefit managers argue Maine's law will hurt efforts to both lower prescription drug costs and protect patients from costly or less established therapies. Such critics warn Maine's law will raise premiums and out-of-pocket costs, and say doctors are too quick to prescribe new drugs pushed by pharmaceutical companies.

"Many drugs have harmful side effects or interact adversely with other medications," April Alexander, Pharmaceutical Care Management Association assistant vice president, told lawmakers in written testimony this spring. "Step therapy encourages trying safer, alternative therapies first."

Such critics took particular issue with the part of the law providing exceptions from step therapy for patients who are "stable" on a prescription drug selected by a provider.

Total retail prescription drug spending rose 26.8% from 2012 to 2012, according to the federal Centers for Medicare and Medicaid Services. That's faster than all other spending on personal health care.

Maine's bill drew lobbyists representing the nation's biggest insurers along with major pharmaceutical manufacturers.

Older

Kansas denied care for these victims of brain injuries. That’s finally changing

Newer

Insurance Navigation ending at N.Y.’s Thompson

Advisor News

  • What to discuss during the first retirement planning meeting
  • Inflation, competing priorities and uncertainty erode retirement security
  • As health premiums rise, 1 in 8 workers cut retirement savings
  • CT governor’s candidates claims: What’s true, and what’s misleading
  • Retaining clients by giving them a memorable experience
More Advisor News

Annuity News

  • National Life Group expands annuity portfolio
  • AM Best to Join Life/Annuity Insurance-Focused Panel Discussion at Capitol Forum Event
  • USAA Earns No. 1 Ranking in JD Power Individual Annuity Study for the Third Consecutive Year
  • How flexible annuities fit today’s retirement portfolios
  • Foresters Financial appoints Tom Ross as chief distribution officer for U.S. annuity sales
More Annuity News

Health/Employee Benefits News

  • How the law protecting Americans from surprise medical bills is driving up healthcare costs
  • Medicare Plus supplement vs. Medicare Advantage (Maybe) 2026– Healthful Hints
  • ‘Medically frail’ Medicaid enrollees won’t have to prove their inability to work to keep coverage
  • IMPLEMENTATION OF IMMIGRANT ELIGIBILITY RESTRICTIONS FOR ACA MARKETPLACE SUBSIDIES UNDER THE 2025 RECONCILIATION LAW: ISSUES TO CONSIDER
  • ACA HEALTH INSURANCE RATES RELEASED FOR 2027 OPEN ENROLLMENT
More Health/Employee Benefits News

Life Insurance News

  • AM Best Affirms Credit Ratings of Insignia Life S.A. de C.V.
  • FINANCIAL FRAUD
  • Security Benefit Announces Planned Dividend Rate Reset for Series B Preferred Stock
  • Palmetto Heritage and Atlantic Coast Life Announce Discussions Regarding Potential Acquisition
  • Jury finds insurance company acted in bad faith, awards Nebraska woman $11.3M
Sponsor
More Life Insurance News

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Press Releases

  • Spectrum Weather & Specialty Insurance Celebrates 15 Years and Welcomes the Next Generation
  • Royal Neighbors of America® Increases Service Capacity
  • Benefits Studio Launches to Fill the Missing Middle of Benefits Navigation at $49/mo
  • Lauren Sinnott Named to Ragan’s Top Women in Marketing Awards, Class of 2026 
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.