Five commonly asked consumer health insurance questions – National Consumers League

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doctor_patient_crop.jpgWith the Affordable Care Act (ACA) becoming law in 2010, more Americans now have access to health care coverage than ever before. However, many consumers are still puzzled about how to select a plan, what services are covered, or why they need health insurance altogether. If health insurance talk leaves you disillusioned or just plain confused, don’t give up. Below, we answer five of the most commonly asked consumer questions about health insurance. 

Why do I need health insurance?

It is in your best interest to have some form of health insurance. Why, you ask?

  • To protect your health
    While you may seem perfectly healthy now, sudden injuries or illnesses can occur in an instant. Without health insurance, you could be faced with thousands of dollars in medical costs, which could pose a significant financial burden well into the future. With health insurance, you also have access to preventive services such as physicals, immunizations, and other screenings that can help prevent diseases and identify problems earlier when they are easier to treat.
  • It’s required by law  
    Under the ACA, individuals are required to have health insurance (unless you qualify for an exemption). If you choose not to enroll, you will have to pay a tax penalty. 

How do I know what type of insurance plan is right for me and my family?

When shopping for a health insurance plan, here are some things to take into consideration:

  • Premiums: Each health insurance plan has a monthly premium that you must pay to maintain your coverage.  
  • Coverage/access to providers: Every plan has a different set of services, prescription drugs, and doctors that it agrees to cover. Every plan also uses a specific network of hospitals and health care providers to facilitate your care. Before choosing a plan, check that the services and prescription drugs you need are covered, and ensure that your current providers are within your plan’s network to avoid incurring additional costs down the line. 
  • Out-of-pocket costs: Out-of-pocket costs are health care expenses  you must pay yourself and that are not reimbursed by your insurance plan.

 Copayment, deductibles, coinsurance … What’s the difference?

  • A copayment or “copay” is a fixed amount ($10, for example) that you pay each time you visit a health care provider or fill a prescription.
  • A deductible is the amount you are responsible for paying for covered medical services before your health insurance plan starts to pay for covered medical expenses.
  • Coinsurance is usually a percentage of a total bill that you are responsible for paying after you’ve paid your deductible (for example, you pay 20 percent and your plan pays 80 percent). 

What is a health savings account, and what can I use those funds for?                                                                         

Health savings accounts (HSA) allow you to deposit pre-tax funds to pay for qualified medical expenses. They are typically combined with qualifying high-deductible health plans (HDHP). While HSA funds cannot be used to pay for monthly premiums, HSA-eligible HDHPs are attractive to many consumers because the premiums are generally lower. HSA funds can be used as needed to pay for prescription drug costs and fees such as copays, deductibles, and coinsurance. Learn more about health savings accounts here.

If my insurance company denies coverage for a service, is there anything I can do? 

If your insurance company does not authorize payment for a medical service, you have the right to appeal that decision. Before sending an appeal, carefully review your health coverage and the correspondence from your insurance company. Have copies of your medical records, letters from your providers, and any other pertinent information that supports your appeal. If your plan still denies payment of your claim after your initial appeal, you may opt for an external review conducted by an independent third party.

To answer questions like these, the National Consumers League (NCL) and America’s Health Insurance Plans (AHIP) are teaming up to provide consumers with even more helpful information about how to choose and use health insurance benefits.

 

 

Illinois AG Madigan to receive highest honor from oldest consumer watchdog org – National Consumers League

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September 19, 2016

CA State Senator Dr. Richard Pan, FCC’s Karen Peltz Strauss to receive Florence Kelley Consumer Leadership awards

National Consumers League: Cindy Hoang (202) 207-2832, cindyh@nclnet.org   
Illinois Attorney General Lisa Madigan Contact: Eileen Boyce (312) 814-3118, eboyce@atg.state.il.us  
California State Senator Dr. Richard Pan Contact: Shannan Martinez, (916) 651-4006, shannan.martinez@sen.ca.gov
Federal Communications Commission Contact: Will Wiquist, (202) 418-0509, will.wiquist@fcc.gov

Washington, DC—The National Consumers League (NCL), the nation’s pioneering consumer and worker advocacy organization, will honor Illinois Attorney General Lisa Madigan with its highest honor, the Trumpeter Award, on Wednesday, September 21 in Washington, DC. The award has honored leaders in the fight for consumer and workers’ rights for more than 40 years, and past honorees include: Senator Ted Kennedy, the award’s inaugural recipient, as well as Labor Secretaries Hilda Solis, Robert Reich, and Alexis Herman, Senators Carl Levin and Paul Wellstone, Delores Huerta of the United Farm Workers, and other honored consumer and labor leaders. Last year’s recipients were Senator Amy Klobuchar (D-MN) and FTC Chairwoman Edith Ramirez.

“The Trumpeter Award is NCL’s highest honor, given to leaders who have dedicated their lives to improving the rights of consumers and workers. Attorney General Lisa Madigan embodies these values, and her impressive career has had a measurable impact on the marketplace for consumers, in Illinois and across the nation,” said NCL Executive Director Sally Greenberg. “With this year’s Trumpeter Award, we recognize Madigan’s active leadership on important consumer protection issues such as student loan debt, predatory lending, data security, and more. She is an exceptional attorney general, whose aggressive advocacy for the consumers and workers of Illinois has set a trail for others to follow.”

“I’m honored to receive this recognition from the National Consumers League, which has been a champion for our nation’s consumers and workers for more than a century,” Madigan said. “I’m proud to partner with NCL to protect and advocate for consumers in Illinois and throughout the country.”

Florence Kelley Consumer Leadership Award 

In addition to the Trumpeter Award, NCL will the honor two recipients of this year’s Florence Kelley Consumer Leadership Award, which was named after an early leader of NCL: Dr. Richard Pan, California State Senator, and Karen Peltz Strauss, Deputy Chief of the Consumer and Governmental Affairs Bureau at the Federal Communications Commission.

“Dr. Pan is a passionate advocate for his patients and constituents, a hero to those fighting misinformation about vaccination efficacy and risk, and an ally in our own work to ensure that consumers get access to safe, effective medicines,” said Karin Bolte, NCL health policy director. NCL has worked with Dr. Pan via its Script Your Future medication adherence program and are allies in the fight to promote vaccinations.

“It is an incredible honor to be recognized by the National Consumers League, which has advocated for American consumers since 1899,” said Dr. Richard Pan, California State Senator representing the Sacramento Region. “Consumers need accurate guidance on medications that can improve their health, especially vaccines which benefit both patients and the public. NCL has been a strong partner as we strive to combat misinformation about vaccines.”

NCL will honor Karen Peltz Strauss for her leadership on access for those with disabilities.

“As one of the country’s premier disability rights attorneys for more than three decades, Strauss has valiantly led efforts to ensure persons with disabilities have access to our country’s communications programming, services, and equipment,” said John Breyault, NCL vice president, public policy, telecommunications and fraud.

“The FCC is proud of the essential role we play – and our continued success – in addressing communications accessibility issues. Under Chairman Wheeler, we have made tremendous headway in such areas as closed captioning, video description, accessible broadband and wireless communications, and emergency access. And because today’s technology allows us to address so many of these issues in ways never before considered, for the first time we can take advantage of new innovations, such as real-time text, to fully integrate access by people with disabilities into our shared public communications systems.  I thank the League for its support on this important work,” said Peltz Strauss.

The event will feature a reception, dinner, and speaking appearances by NCL leadership and the honorees, as well as former Trumpeter recipient and Washington Post syndicated columnist Michelle Singletary, FCC Commissioner Jessica Rosenworcel, Consumer Financial Protection Bureau Director Richard Cordray, and S. Floyd Mori, President and CEO of the Asian Pacific American Institute for Congressional Studies.

MEDIA ADVISORY

What: National Consumers League’s 2016 Trumpeter Awards
When: Wednesday, September 21, 2016 – 7 pm Dinner and Presentation of Awards
Where: Omni Shoreham Hotel, 2500 Calvert Street, NW, Washington, DC 20008

Members of the media are welcome to attend this event but must RSVP. For questions or to RSVP: Call Cindy Hoang, (202) 207-2832 or Carol McKay, (724) 799-5392.

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org. 

Where are the headlines that matter most to Americans? – National Consumers League

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SG-headshot.jpg“It’s the economy, stupid!” Those four words allegedly won Bill Clinton the Oval Office in 1992 when the U.S. was going through a recession and incumbent President George Bush was facing high unpopularity numbers. “It’s the economy, stupid” was coined by political guru James Carville and is echoing in my ears right now as we read the wildly encouraging headlines this morning showing that wages and living standards are increasing and hunger and poverty dropping in the United States. 

So why aren’t the newscasters talking about this wonderful news nonstop? Well, they aren’t. This morning the lead story on supposedly liberal NPR was “Bayer is buying chemical giant Monsanto.” I’ve been watching CNN headlines as I work at my desk and I haven’t seen a single discussion of this breaking economic news. Instead, there’s been nonstop coverage of whether Donald Trump will release his medical records to Dr. Oz, Hillary Clinton’s return to the campaign trail after her bout of pneumonia and her supposed “penchant for secrecy,”; they’ve covered Trump’s embrace of Vladimir Putin, the agony of defeat of past presidents. Nada, rien, nothing on the economy.

Why? This economic news is really quite stunning. And according to The New York Times, these numbers represent:

  • The largest economic gains in a generation
  • Poverty fell, health insurance coverage spread (Thank you Obamacare) and  incomes rose “sharply” and for households on every rung of the economic ladder, ending years of stagnation

So where are the headlines, the panels, the discussions of what really matters for average Americans?

The only conclusion I can reach is that the media is conflicted. They are not in the business of reporting important news because that doesn’t get them headlines. Instead, the incessant discussion about Trump’s latest outrage and Clinton’s emails and illness. Sadly, they have a profit motive in drawing more viewers so they talk about stuff that isn’t nearly as important as these stunning economic gains. But NCL calls on Americans to celebrate this most welcome progress–the middle class needs to grow for this nation to thrive. And our newspapers, radio stations, TV, and cable need to give this the attention it rightly deserves.

Okay, more details on the good economic news:

  • The number of Americans without health care insurance fell to lowest point since the U.S. has been keeping data
  • 3 ½ million were lifted out of poverty
  • Pay gap between men and women shrank to its lowest level in history (women now make 80 percent of what men make)
  • Employers added 3 million jobs and unemployment fell to 5%
  • Hourly pay increased by 2 percent adjusted for inflation
  • Real household incomes rose 7.9 percent
  • Poverty rates fell most sharply for African American and Hispanic households

NCL applauds Congressional action to crack down on ticket bots – National Consumers League

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September 13, 2016

Washington, DC—The National Consumers League (NCL), America’s pioneering consumer and worker advocacy organization, today applauded recent Congressional action to fix the rigged live event ticketing industry.  Yesterday, the House passed H.R. 5104, the Better On-line Ticket Sales (BOTS) Act of 2016. Today, the Senate Commerce, Science and Transportation committee held a hearing to consider a similar bill, S. 3183.  

The following statement is attributable to John Breyault, the Vice President of Public Policy, Telecommunications and Fraud:

“Bipartisan support for the BOTS Act in both houses of Congress shows that Washington is serious about promoting a fair ticketing marketplace for all consumers.  Although a comprehensive solution to fixing the rigged live event ticketing industry will only come with increased transparency — such as Congressman Bill Pascrell’s BOSS Act —  the BOTS Act is an important first step. This bill would empower the Federal Trade Commission or state attorneys general to crack down on ticket-buying “bot” operators that jump the line and scoop up thousands of tickets for resale to the highest bidder. Such activity is blatantly anti-fan and we are proud to support a solution that puts a halt to it.”

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

 

National student financial literacy competition opens 2016-17 season – National Consumers League

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September 12, 2016

Contact: NCL Communications, Cindy Hoang, cindyh@nclnet.org, (202) 207-2832

Washington, DC–Today marks the official launch of the 23rd season of LifeSmarts, with a new competition going live at the online home of the program, LifeSmarts.org. LifeSmarts, a program of the National Consumers League (NCL), is a national scholarship competition and educational program for middle-school and high-school students that tests knowledge of real-life consumer issues and aims to create a future generation of savvy-consumer adults.

“We are very excited to launch our 23rd season of LifeSmarts,” said national Program Director Lisa Hertzberg. “LifeSmarts gives students the skills they need to succeed as adults. We see students gain knowledge, confidence, leadership skills, and teamwork. The competition is a lot of fun, and the impact of LifeSmarts is lifelong.”

LifeSmarts focuses on five main content areas: consumer rights and responsibilities, personal finance, technology, health and safety, and the environment. Students are quizzed on their knowledge of these subject areas during online competition. Top-performing teams then advance to statewide competitions, and state champion teams advance to the national championship held each year in a different American city. The 2017 National LifeSmarts Championship will take place April 21-24, in Pittsburgh, PA. Winning teams receive scholarships and other prizes.

Last year, students answered more than 3 million consumer questions about credit reports, recycling, nutrition, social media, state lemon laws, and everything in between. By being consumer savvy and quick on the buzzers, the LifeSmarts team from Dallas High School in Dallas, PA took home top honors last April at the 22nd national event in Denver.

In addition to state and national competitions, LifeSmarts recognition and awards occur throughout the program year:

  • Teams of students vie for cash prizes in the online TeamSmarts quiz, which focuses on a specific LifeSmarts content area each month.
  • Six $1,000 scholarships will be awarded this winter to winning LifeSmarts students who become Safety Smart Ambassadors, using the joint UL and LifeSmarts program to present safety messages to younger children in their communities.
  • Partnering with FBLA (Future Business Leaders of America) and FCCLA (Family, Career, and Community Leaders of America), LifeSmarts offers special competitive events for student members of both student leadership organizations.

“We are excited to continue to grow the LifeSmarts program into new states and regions, to continue to educate students about financial literacy and being responsible consumers, and to create a new generation of savvy, market-ready consumers and workers,” said Sally Greenberg, executive director of NCL. “Too often traditional high school curriculum fails to teach students vital information that will be crucial once students go to college, get their first job, or move out of their parents’ house.”

In addition to hosting the official LifeSmarts competition, LifeSmarts.org provides resources for teachers to supplement existing lesson plans. These include daily quizzes, educational videos, social media competitions, focused study guides, and scholarship opportunities. LifeSmarts lessons closely align with courses taught in family and consumer sciences, business, technology, health, and vocational education. Math and English teachers have also had success with LifeSmarts, as have homeschool and community educators.

Major LifeSmarts contributors include: Experian, McNeil Consumer Healthcare, Underwriters Laboratories, Western Union, LifeLock, Comcast NBC Universal, Intuit, American Express Company, and others. Visit LifeSmarts.org for more information. LifeSmarts: Learn it. Live it.

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About the National Consumers League and LifeSmarts

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: LifeSmarts.org, email lifesmarts@nclnet.org, or call the National Consumers League’s communications department at 202-835-3323.

U.S. Conference of Mayors committed to food waste resolutions – National Consumers League

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ali.jpgIt’s been nearly a year since the U.S. Department of Agriculture (USDA) and the Environmental Protection Agency (EPA) announced a national goal to cut U.S food waste in half by 2030.  Since then, we have seen leaders from across the food supply chain, as well as non-profit, industry and government sectors, make impressive progress towards achieving this goal. NCL has been working hard to identify strategies for consumers who want to be part of this national movement. So, NCL is pleased that the United States Conference of Mayors recently committed to a set of resolutions that will strengthen food waste reduction plans within municipalities. 

Congress has been slow to act on food safety, including enacting federal legislation aiming to reduce our nation’s food waste problem. Regulations on food waste disposal, food recovery and redistribution, and even food date labeling can vary by state or city.

While disjointed state and city policies aren’t the most efficient way to tackle a national issue, some states and cities have developed their own food waste programs in order to push the needle. Take landfill bans for example. Currently, five states (California, Connecticut, Massachusetts, Rhode Island, and Vermont) and two cities (New York City and Seattle) have a ban or mandate on the amount of food scraps permitted in landfill. To help retailers and consumers prevent food loss and landfill waste, many states and cities are also providing tax incentives for food donations or have established more robust farm-to-food bank programs.

These leaders are inspiring other municipalities to follow suit. The resolutions presented by the U.S. Conference of Mayors signal the growing concern of food waste. NCL applauds the U.S. Conference of Mayors for making food waste a priority and for presenting solutions that help consumers be part of the solution.

Below are highlighted resolutions from the U.S. Conference of Mayors’ food waste resolutions:

  1. Food Recovery Hierarchy – The U.S. Conference of Mayors has developed a food recovery hierarchy based on the first three tiers of the EPA Food Recovery Hierarchy, which are: reduce instance of waste, recover edible food for redistribution, and repurpose food scraps for animal feed.
  2. Financial Incentives – Federal and state governments are encouraged to increase access to grants, loans, guarantees, tax incentives, or other financial resources to improve food waste recycling infrastructure.
  3. Collaboration – The private sector and consumer facing businesses are encouraged to strengthen partnerships with government agencies to press for food waste legislation and consumer education campaigns.
  4. Responsibility of Cities – Cities are asked to assess their region’s contribution to food waste and its impact on their communities. Cities are also encouraged to develop innovative programs to reduce waste and provide societal, environmental, and financial benefits. 

NCL joins other consumer groups in strong support of CFPB rule to limit use of forced arbitration clauses against consumers – National Consumers League

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August 26, 2016

Contact: NCL Communications, Cindy Hoang, cindyh@nclnet.org, (202) 207-2832

Washington, DC—The National Consumers League (NCL), the nation’s pioneering consumer and worker advocacy organization, founded in 1899, joins comments by other consumer groups in support of a rule proposed by the Consumer Financial Protection Bureau (CFPB) to limit the use of forced arbitration clauses by banks, credit card companies, lenders, and other financial services. Nearly 13,000 comments were filed with the CFPB on this important rule. NCL is a signatory to a letter signed by 281 consumer and labor groups praising the CFPB’s rule.

Sally Greenberg, NCL’s executive director, stated: “This rule will finally help to even the playing field and work to curb the worst abuses in the financial services marketplace. While we would like to see additional reforms to help restore consumer rights, promote transparency, and improve the market, we see this as a significant step forward in efforts to curb industry practices and make consumer financial markets fairer and safer.”

The Dodd-Frank Act required the CFPB to study the use of arbitration provisions, and the bureau produced a lengthy report in March 2015 to lay out the basis for its curbs. Based on the report, the CFPB unveiled its proposed rule to prohibit companies from putting forced arbitration clauses in new contracts that block consumer participation in class action lawsuits in May.

While the proposed rule does not bar all uses of forced arbitration, as NCL had hoped, the rule will make a meaningful difference in consumer transactions moving forward. NCL has long advocated against companies’ use of arbitration clauses, which are often found hidden deep in the fine print of consumer contracts and user agreements.

Forced arbitration clauses eliminate the rights of consumers to go to court over future disputes that they may have with the company. Instead of having the right to bring cases to a court of law before an impartial judge paid by taxpayers and have a case heard on a public record, consumers have to go before an arbitrator–who is often chosen from a list created by the company. The company can keep choosing that arbitrator for repeat business, so there’s an incentive for the arbitrator to favor the company. This arbitrator is not required to follow established law or procedure. The arbitrator’s decisions cannot be appealed, and are often kept secret.

“These clauses are found in nearly every conceivable consumer contract, including those for credit cards, bank accounts, mobile homes, nursing homes, wireless cell phone carriers, physicians’ offices, and many others,” said Greenberg.

The Federal Arbitration Act, a statute enacted in 1925, was designed so that businesses could elect to settle their own disputes out of court if they wished to do so. “It was never intended to be used to deprive consumers of their rights. Unfortunately, a conservative Supreme Court, often decided by a close 5-4 vote, has approved business’ use of these clauses in consumer contracts,” said Greenberg. “The law has been converted into a weapon against consumers to force them to ‘agree’ to give up their rights.”

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

From patient To consumer: Reimagining health care from a consumer perspective – National Consumers League

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family-on-bikes.jpgThe following Huffington Post op-ed was published August 18, co-authored by NCL’s Sally Greenberg and Marilyn Tavenner, the President and CEO of America’s Health Insurance Plans.

Navigating our health care system is no easy task. For decades, consumers have been forced to contend with a fragmented health system that makes decision making an all-consuming challenge. Whether it’s choosing a provider, knowing where to get information about cost or quality of doctors, or understanding a dictionary of complex health care terms, many consumers often feel left to fend for themselves in a system that is working against them.

For many individuals, it’s hard to know where to start. A recent state analysis by Rice University in Texas found that 42 percent of consumers who bought their own insurance felt like they lacked a clear understanding of their health insurance plans. Nearly a quarter of those surveyed who had employer-sponsored coverage still struggled with understanding their benefits.

We need to find a way to change this. While we all recognize the seismic shift underway as the age of consumerism in health care finally takes hold, we have to ask ourselves if we are truly practicing what we preach. We all have a responsibility to provide consumers with the transparent, actionable information they need to make smart choices about their care.

The good news is that online and mobile apps are making it increasingly easy for consumers to access information on their own time and with relative simplicity. Health plans have rolled out provider cost and quality calculators, and websites like FAIR Health make it possible for patients to see what a typical doctor’s visit or MRI will cost before they even walk into a provider’s office.

But even with this push towards more available data, we know that individuals and families still struggle when it comes to understanding and using their insurance benefits. Commonly searched online terms around insurance include, “what are deductibles?”, “finding a doctor,” and “how much will I pay in premiums?” Consumers are clearly telegraphing the need for simple, easy-to-understand information about their coverage.

Recently, our two organizations came together to compare notes on how we could collaborate to improve consumers’ health care experience. As a first step, we agreed that while there is a wealth of information in the market available for consumers, it is often poorly organized, out-of-date, or like the health care system itself, requires consumers to search multiple places for the information they need. Our first joint project will bring critical information together and present it in ways that are useful for consumers. We will rely on AHIP’s considerable knowledge of health insurance and NCL’s more than 100 years of consumer education to make information accessible, understandable, and actionable.

Our work builds upon what we have learned over the past several years on the frontlines of this health care transformation. A recent report from McKinsey found that although consumers are beginning to research their health plan choices, many of them are not yet aware of key factors they should consider before selecting coverage, such as the type of health plan and provider network, level of coverage, premiums, cost-sharing, covered services, drug formularies and tiers, and health status and anticipated utilization. Even once they have their insurance plan, many consumers may not be aware of all the benefits that are included, including free preventive services, disease management programs, fitness plans – and equally important, the tools they have available to get the best value for their health care dollars.

As consumers prepare for the upcoming open enrollment periods for Medicare and the Exchanges, AHIP and NCL will share new consumer resources and information answering some of the important questions about insurance coverage and health care ranging from how to choose a health plan to how to choose a doctor, as well as consumers’ rights if they feel they’ve been inappropriately denied a product or service that should be covered by their plan.

We know that health care isn’t always simple, but if we are to be successful in moving towards a patient-centered health system, we have to start by making health care information more accessible and usable for consumers. While this partnership is a first step, our hope is that our combined efforts will encourage and support the important work underway to improve consumers’ experience with the health system and the wellbeing of the country as a whole.

This article originally appeared in the Huffington Post.

NCL to submit comments to FDA on Prescription Drug User Fee Act VI – National Consumers League

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August 15, 2016

Contact: Cindy Hoang, National Consumers League, cindyh@nclnet.org, (202) 207-2832 

Washington, DC–Today the nation’s pioneering consumer advocacy organization, the National Consumers League (NCL), will submit comments to the U.S. Food and Drug Administration on the reauthorization of the Prescription Drug User Fee Act for fiscal years 2018 through 2022 (PDUFA VI). Founded in 1899, the National Consumers League has long been concerned with ensuring the safety of foods and drugs. Among NCL’s top priorities are ensuring the safety, effectiveness, and appropriate use of both prescription and over-the-counter (OTC) drugs, and medication adherence, which NCL has helped to advance through its Script Your Future Campaign.

“As PDUFA VI goes through the reauthorization process, NCL urges the FDA to remain mindful of the concerns expressed by some that because industry pays user fees, industry thereby controls the FDA’s agenda and process. It is critical for the agency to act independently of industry influence and to uphold its high standards for safety, efficacy, and quality of prescription drug products,” said Karin Bolte, NCL director of health policy, who will deliver a statement and submit comments on behalf of NCL today. 

“NCL wants to be sure that in the quest to reduce barriers to new drug approvals, FDA does not lose sight of the importance of the agency’s mission of protecting and promoting the health of consumers and patients. The FDA must balance the needs of consumers who are concerned about serious side effects with the concerns of patients who may be facing a life-threatening illness where time is of the essence. However, even patients in great need may be harmed rather than helped by drugs that have been approved too quickly without adequate consideration of safety and effectiveness or toxic side effects.”

NCL’s full comments are available here.

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.