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In his Sept. 9 health care speech to Congress, President Obama said:
More and more Americans pay their premiums, only to discover that their insurance company has dropped their coverage when they get sick, or won't pay the full cost of care. It happens every day. One man from Illinois lost his coverage in the middle of chemotherapy because his insurer found that he hadn't reported gallstones that he didn't even know about. They delayed his treatment, and he died because of it.
Both clauses in this last sentence were untrue, the Wall Street Journal reported Sept. 17. The insurance of the man in question, a 59-year-old Illinois restaurant owner named Otto Raddatz, did, indeed, get canceled by Fortis Insurance Co. (now Assurant Health) after he was diagnosed with non-Hodgkin's lymphoma under a commonplace and despicable practice called rescission that would be curtailed by every health care reform bill currently under consideration. But Raddatz's treatment was not delayed fatally as a result. Raddatz's sister, an attorney, got the Illinois attorney general's office to move quickly on the matter, and even though the state failed in its initial attempt to overturn the rescission, it succeeded in its second. Raddatz got his treatment within the necessary time window and lived three more years. *
That Raddatz didn't die as a result of the rescission doesn't vindicate Fortis/Assurant (which has just been ordered by the South Carolina Supreme Court to pay $10 million to a man it rescinded for similarly dubious reasons after learning he was HIV-positive). Fortis didn't kill Raddatz with its profit-minded search for petty irregularities in Raddatz's policy; it merely attempted (and, thanks to prompt legal intervention, failed) to kill him. People die every day from a lack of health insurance. A new Harvard study says it's responsible for 45,000 deaths annually. Even so, one hates to see a devastatingly apt anecdote get compromised through careless error. Where did the president get his misinformation?
Uh, from me.
I didn't know it until the Journal's Jonathan Weisman phoned me yesterday for comment. I also didn't know about my error till then. Here at Slate, we correct errors quickly and conspicuously, and usually Slate readers alert me almost instantly whenever I goof (which I try very hard not to do). But nobody told me about this blunder. One obstacle may have been that my e-mail address was not at the bottom of the piece. (It will be at the end of everything I write from now on.) Another may be that, although conservative Web sites and two earlier stories by Bloomberg's Holly Rosenkrantz and the Chicago Sun-Times' Lynn Sweet caught the error before the Journal, none mentioned me by name (though Sweet traced it to Slate). Therefore none turned up in my compulsive daily vanity searches on Google.
After satisfying myself that Weisman was right, I cursed myself for being the source of misinformation heard 'round the world. It may not be yellowcake, but it's still pretty embarrassing. Then I decided, in the Obama spirit, to turn my blunder into a teachable moment. How do errors find their way into the public discourse? Herewith, a case history.
On June 16, the House energy and commerce committee's investigation subcommittee held a hearing (here's the transcript and video) documenting the termination of health insurance policies held by seriously ill people. The hearing received scant coverage in the mainstream media (notable exceptions were the Los Angeles Times, CNN.com, and Time's Swampland blog), prompting Democratic strategist and CNN commentator Paul Begala to chide the press for blowing it off. Begala's complaint was picked up by Media Matters for America, the liberal-media watchdog. In the ever-present media din, I missed all this. But one month later I heard a gripping story based on the hearings on Chicago Public Radio's This American Life. I'd been thinking for some time that I should write about rescissions, and this prompted me to do it.
The story, I quickly discovered, was a Web-based journalist's dream. The investigation subcommittee, which is chaired by the media-savvy Rep. Bart Stupak, D.-Mich., had placed a wealth of material online—a partial summary of its investigation, other documents from that hearing, and additional documents from a follow-up field hearing in New Albany, Ind., on July 27, the very day I was writing. * Drawing on hearing testimony, I summarized the cases of Robin Beaton, a retired nurse in Texas who was rescinded by Blue Cross and Blue Shield after she was diagnosed with an aggressive form of breast cancer (reason: she hadn't disclosed a previous treatment for acne) and Raddatz, whose story was told by his surviving sister, Peggy. Beaton had eventually gotten her congressman, Rep. Joe Barton, R.-Tex., to pressure Blue Cross and Blue Shield into reinstating her. Raddatz had died.
In her opening statement Peggy Raddatz said that at the time Fortis rescinded Otto's policy he "only had a very small window of time" to receive a scheduled stem cell transplant; it had to be "within the next three to four weeks." As a result, "the stem cell transplant could not be scheduled." Peggy said she eventually got his insurance reinstated, but only "after two appeals" from the Illinois attorney general. Peggy didn't mention whether Otto subsequently had his surgery. Reading quickly on deadline, I jumped to the conclusion that he must not have gotten the transplant in time—wouldn't two legal appeals take more than four weeks?—and died as a result. Here is what I wrote: "The delay in treatment eliminated Raddatz's chances of recovery, and he died."
Peggy gave a more detailed account in the full hearing transcript, but I skimmed this quickly—too quickly, it turns out. Had I studied it more closely, I'd have learned that the "appeals" Peggy referred to weren't legal proceedings but two letters that the Illinois attorney general sent to Fortis. More crucially, I would have noticed the following exchange:
Rep. Joe Barton:Your brother, has he had his stem cell transplant?
Peggy Raddatz: He did indeed receive the stem cell transplant. It was extremely successful. It extended his life approximately three and a half years. He did pass away Jan. 6, 2009, and he was about to have a second stem cell transplant. Unfortunately, due to certain situations, his donor became ill at the last minute and so he did pass away on Jan. 6.
Whoops. It also wouldn't have hurt to phone Raddatz to clarify the ambiguous parts of Otto's story, but I didn't.