Massachusetts advises insurers of life and disabilities without denying cover for good Samaritans carrying the naloxone overlapping drug overdose.
The guidelines, issued earlier this month, followed the story of WBUR in December under Boston's nurse who refused life assurance because she does the drug.
The bulletin, from the State Insurance Division, denies a disability, long-term or long-term care insurance applicants as they add naloxone to help others "to prevent the important efforts of the public health of the Commonwealth."
Massachusetts stated that the opioid epidemic was a public health emergency in 2014. Four years later, the state issued the fixed recipe on a fixed order, so that naloxone residents can buy at any pharmacy.
Some public health experts were worried to have a cool effect on the insurance materials for naloxone use that they are satisfied with the Massachusetts bulletin.
"[It] It seems that it focuses heavily on the concerns we have heard about the use and prescription of naloxone for family members and other Samaritans, "said Michael Botticelli, executive director of the Grayken Center for Addiction at the Boston Medical Center.
The National Association of Insurance Commissioners (NAIC) said, in response to an inquiry from the Old President Ed Markey, that the Massachusetts guide begins "that another model can be thought of by other states." In response to a request for traffic for this story, the NAIC said that he was reviewing the advertisement.
The American Council of Life Assurance (ACLI) stated in a statement that it supports the Massachusetts bulletin, "which is consistent with the laws of the state prohibiting unfair trading practices in the underwriting process. The guide is consistent with the common practice of life insurers to rely on the diversity of Factors – not only when they decide to cover the candidate and what to charge on premiums. "
The ACLI stated that a prescription for naloxons may result in additional questions regarding the cover application and the reason for the prescription, which is consistent with the assessment of the candidate's risk. Massachusetts regulators say they expect enough insurance companies to determine whether the naloxone recipe is relevant to human health, but it should not have an adverse effect on the evaluation.
It may be difficult to do so for some agents and may have an adverse effect.
Take Dr. Dinah Applewhite, a resident at Massachusetts General Hospital. During a disability insurance interview in January, Applewhite says an agent asked some questions about why she does naloxone. Applewhite works with patients involved in opioids and intends to start a program in addiction medicine in the fall.
The agent also asked why Applewhite had prescribed opioid in August 2018. The answer: Applewhite had a brief recipe after the child's courage.
Applewhite says she does not listen to her whether it is being approved for disability insurance.
"I was surprised that you would be asked about the naloxone," she said. "I decided to protect myself carefully why I chose a life drug."
The Massachusetts directive also applies to prescribed PrEP candidates, the pills that prevent HIV transmission.
"The new guidelines are clear, precise and helpful, especially in the links to issues related to HIV medications," said Markey in a statement. "Once again, Massachusetts is starting the way, and I hope that other states will take this guide."
Markey stressed the guidelines in a letter to the State-Surgeon President Jerome Adams, who asked for a wider distribution and use of more than Naloxone.
"Friends should not be sentenced to friends, family members and members of the community to carry or use naloxone," said Adams in a statement. "The directive serves to issue a Massachusetts Insurance Division calling life assurance carriers to look at how they review recipe for naloxone as a model for other states."