Law Offices of Scott Glovsky

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Law Offices of Scott Glovsky

The Law Offices of Scott Glovsky was founded in 1999 and specializes in health insurance denials, insurance bad faith, catastrophic injuries, and more.

08/14/2026

H.R. 1 could cause millions of Americans to lose over the next decade, including more than 1 million Californians projected to become uninsured by 2027. Loss of coverage can lead people to delay preventive and until they are sicker, increasing emergency room visits, uncompensated hospital costs, and pressure on an already strained healthcare system. Although the changes primarily affect lower-income and certain immigrant populations, the financial impact could extend to insured Americans through higher costs, reduced services, and limited access to doctors and hospital beds. The changes also highlight the importance of using existing health coverage for preventive care, screenings, medications, and other services before health problems become more serious.

08/13/2026

Nearly 450,000 New Yorkers lost their low-cost Essential Plan coverage on July 1 after federal funding cuts and new eligibility restrictions. Although about 242,000 have since enrolled in new plans, many are facing higher premiums and less comprehensive coverage, with some paying hundreds more each month. Health experts warn that the coverage losses could increase the number of uninsured residents, cause people to delay preventive care, and place additional strain on the state’s public system, particularly as further and federal subsidy cuts are expected.

08/12/2026

Hospitals are increasingly requiring patients to make large upfront payments before receiving nonemergency care, particularly when they have high deductibles or out-of-network coverage. Experts say rising healthcare costs and deductibles are pushing hospitals to collect more money in advance, with some seeking a portion of a patient’s expected out-of-pocket costs before treatment. The practice can create financial barriers and confusion, especially when patients are incorrectly told a provider is out of network, as happened to a Mayo Clinic patient who was asked for a $5,000 deposit and later won $47,500 in damages after an arbitrator found the clinic failed to properly notify him.

08/11/2026

is being promoted by federal and state health leaders as a potential solution to rural shortages, with proposed uses ranging from AI nurses and mental health chatbots to clinical decision-making and administrative tasks. However, rural patients and healthcare professionals remain skeptical, citing concerns about accuracy, privacy, limited internet access, and the lack of evidence that AI improves patient outcomes in rural communities. While some rural providers report that tools such as AI scribes reduce burnout and administrative burdens, experts warn that states should carefully evaluate the and track meaningful outcomes before investing heavily in i

08/10/2026

Patients are increasingly using AI chatbots to interpret lab results before their healthcare providers have reviewed them. While these tools can offer quick explanations, they may lack important context such as a patient’s medical history, medications, and previous results, which can lead to inaccurate or misleading interpretations. There are also privacy concerns when patients enter sensitive health information into public AI platforms. The growing use of these tools highlights the need for healthcare providers to consider how patients access and understand medical information between appointments.

08/07/2026

Retirement can make decisions more complicated for federal employees, as transitioning from FEHB coverage to introduces new costs, enrollment deadlines and coverage choices. Retirees must consider whether to enroll in Medicare Part B, which can reduce out-of-pocket expenses but requires an additional premium, as well as and prescription drug options that may offer savings but come with tradeoffs such as prior authorization. Tax advantages and benefits such as pre-tax FEHB premiums and FSAs also change after retirement, making healthcare more expensive for some. Experts recommend federal retirees review their FEHB and Medicare options every Open Season because premiums, provider networks, formularies and benefits can change from year to year.

08/06/2026

with compliant health plans are facing a median proposed premium increase of 14% in 2027, with most insurers requesting rate hikes between 10% and 20%. Insurers attribute the increases primarily to rising costs, including higher prices for hospital care, physician services, specialty drugs, and GLP 1 medications, as well as increased use of behavioral health services. Many also cite a worsening risk pool as healthier small businesses move to self funded and level funded plans, leaving sicker and more expensive enrollees in the fully insured market. Insurers warn these trends are driving up costs and putting continued upward pressure on premiums for small employers.

08/05/2026

California's program is undergoing significant changes due to federal and state budget cuts, with the biggest impact falling on immigrants and certain adults. New rules include restrictions on eligibility for undocumented adults, work requirements for many beneficiaries, more frequent eligibility renewals, and asset limits for seniors and people with disabilities. While many Medi-Cal members will not be affected, beneficiaries are urged to keep their contact information up to date, watch for official notices, respond promptly to renewal requests, and seek free assistance if they receive a coverage termination notice or need help understanding the new rules.

08/04/2026

California's progress toward near-universal is reversing as state budget cuts and new federal policies are projected to leave an estimated 2.2 million more people uninsured by 2030, nearly doubling the state's uninsured rate to about 15%. Rollbacks to —including enrollment freezes for undocumented adults, reduced benefits, new premiums, and stricter eligibility rules—combined with expiring Affordable Care Act subsidies and new federal work requirements, are expected to disproportionately affect low-income, immigrant, Black, Asian, and Southern California communities. Health policy experts warn these changes could significantly reduce access to care and widen healthcare disparities across the state.

08/03/2026

The No Surprises Act's Independent Dispute Resolution (IDR) process is turning into a massive financial drain for health insurers, with a recent analysis showing that providers won 88% of arbitration cases and secured median payments of roughly 450% of comparable in-network rates in the first half of 2025 alone. This heavy reliance on arbitration added over $5 billion in excess costs and $844 million in administrative fees in just six months, proving that the current trajectory is completely unsustainable. Instead of heading straight to arbitration, insurers must prioritize resolving disputes during the mandatory 30-day negotiation period. Embracing a proactive, negotiation-first approach is key to slashing arbitration filings, reining in runaway costs, and minimizing steep financial losses.

Address

299 N. Euclid Avenue, 2nd Floor
Pasadena, CA
91101

Telephone

+16262435598

Website

http://www.scottglovsky.com/

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