Issuance of Health Insurance Policy

By Adrienne Hersh, JD, ICS Legal Counsel · December 1, 20092 min read

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The following was taken from a 2009 "Illinois Health Law Update" review done by ICS General Counsel.

In a case involving Health Care Service Corporation, operating as Blue Cross Blue Shield of Illinois (BCBSIL), a court found that a patient’s falsification of her application for health insurance justified BCBSIL’s voiding of the policy (Conti v. Health Care Service Corporation, 378 Ill.App.3d 202 (2007)). In this case, the patient had experienced abdominal pain and loss of appetite and went to her internist for a physical examination to look into her symptoms. According to the doctor’s notes, the patient needed certain tests, but the patient had no insurance and the tests were put on "hold.” The doctor prescribed a medication for the patient and told her to call if her symptoms worsened.

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About the Author

Adrienne Hersh, JD, ICS Legal Counsel

Adrienne serves as Illinois Chiropractic Society general counsel and provides legal advice and support on a wide range of legal issues affecting chiropractic physicians, including licensing and other health care regulations, scope of practice, insurance and reimbursement, business structuring, labor and employment, contracts, and litigation. Adrienne previously served for 8 years as general counsel to the Illinois Department of Professional Regulation (now the Division of Professional Regulation, Department of Financial and Professional Regulation), where she was chief legal counsel responsible for overseeing all legal issues and advising the 50+ licensing and disciplinary boards, including the Medical Disciplinary Board and the Medical Licensing Board. She is a member of the Illinois State Bar Association Health Care Section, the Illinois Association of Healthcare Attorneys, and the National Association of Chiropractic Attorneys.