# Advocating for Consumer Rights Across California and the Nation

> Consumer Watchdog is a consumer protection organization in California, dedicated to safeguarding the rights and interests of consumers across the state\.

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## Pages
- [Reports](https://consumerwatchdog.org/reports/)
- [Consumer Watchdog \- California and National Consumer Advocacy](https://consumerwatchdog.org/)
- [Prop 103 California Insurance Reform](https://consumerwatchdog.org/prop-103/)
- [Fairness for Injured Patients](https://consumerwatchdog.org/fairness-act/)
- [Patient Stories](https://consumerwatchdog.org/patient-stories/)

## Posts
- [Consumer Watchdog's Current Fights and Recent Victories](https://consumerwatchdog.org/in-the-courtroom/consumer-watchdog-legal-victories/): For over three decades Consumer Watchdog’s Legal attorneys have advocated on behalf of consumers before regulatory agencies, the legislature and the courts\.
- [SHARON RAMIREZ](https://consumerwatchdog.org/profile/sharon-ramirez/)
- [Latest Episode of Smoke \& Mirrors Podcast Explores How Fire Survivors Are Fighting Back](https://consumerwatchdog.org/insurance/latest-episode-of-smoke-mirrors-podcast-explores-how-fire-survivors-are-fighting-back/)
- [40 Public Interest Groups Back Insurance Legislation to Get Families the Benefits They Paid for and Keep Californians Insured ](https://consumerwatchdog.org/insurance/40-public-interest-groups-back-insurance-legislation-to-get-families-the-benefits-they-paid-for-and-keep-californians-insured/)
- [Assemblymember Boerner Introduces Bills To Cap Utility Profits and Require Accountability For Wildfire Prevention Spending ](https://consumerwatchdog.org/energy/assemblymember-boerner-introduces-bills-to-cap-utility-profits-and-require-accountability-for-wildfire-prevention-spending/)

## Resources
- [Margins by region](https://consumerwatchdog.org/resources/margins-region/)
- [Oil Rebates Q1\-Q3 v9](https://consumerwatchdog.org/resources/oil-rebates-q1-q3-v9/)
- [2022 Saw Windfall Profits](https://consumerwatchdog.org/resources/2022-saw-windfall-profits/)
- [Oil Rebates v5](https://consumerwatchdog.org/resources/oil-rebates-v5/)
- [Oil Rebates q1\-q3 2022](https://consumerwatchdog.org/resources/oil-rebates-q1-q3-2022-2/)

## Cases
- [CIGNA Ends Mandatory Mail\-Order of HIV/AIDS Antiretroviral Medications](https://consumerwatchdog.org/cases/cigna-ends-mandatory-mail-order-hivaids-antiretroviral-medications/): \<p\>\<span style="font\-size: 12px;"\>CIGNA, one of the nation’s largest health insurers, ended a requirement that patients across the United States obtain their HIV/AIDS medications by mail\-order under a settlement of a class action lawsuit announced in October 2015\.\</span\>\</p\>

\<p\>The lawsuit, JOHN DOE v\. CIGNA, was filed by Whatley Kallas, LLP, Consumer Watchdog—a non\-profit consumer group—and Podhurst Orseck P\.A\., and presided over by United States District Court Judge Darrin Gayles in Broward County, Florida\.\</p\>
- [Health Net Sued for "Bait \& Switch" Misrepresentations of Doctor and Hospital Networks](https://consumerwatchdog.org/cases/health-net-sued-ae˜bait-switchae-misrepresentations-doctor-and-hospital-networks/): \<p\>\<em\>Lehman, et al\. v\. Health Net of California, Inc\. et al\</em\>, Los Angeles Superior Court Case No\. BC567361\</p\>

\<p\>Consumer Watchdog has filed a class\-action lawsuit on behalf of hundreds of thousands of California consumers against Health Net for misrepresenting its physician and hospital networks in order to boost sales during the Affordable Care Act’s ‘open enrollment periods’ in 2014 and 2015\.\</p\>
- [Cigna Sued for "Bait \& Switch" Misrepresentations of Doctor and Hospital Networks](https://consumerwatchdog.org/cases/cigna-sued-ae˜bait-switchae-misrepresentations-doctor-and-hospital-networks/): \<p\>\<em\>Davidson v\. Cigna Health and Life Insurance Company; Cigna HealthCare of California, Inc\.\</em\>, Los Angeles Superior Court Case No\. BC558566\</p\>

\<p\>Consumer Watchdog has filed a class\-action lawsuit on behalf of thousands of California consumers against Cigna for misrepresenting its physician and hospital networks in order to boost sales during the Affordable Care Act’s first ‘open enrollment period’ that ended on March 31, 2014\.\</p\>
- [Blue Shield's "Bait \& Switch" Misrepresentations of Doctor and Hospital Networks, and Delayed Enrollment in Affordable Care Act Plans](https://consumerwatchdog.org/cases/blue-shieldaes-ae˜bait-switchae-misrepresentations-doctor-and-hospital-networks-and-delayed-enrollm/): \<p\>\<em\>McCarthy, et al\. v\. California Physicians’ Service d/b/a \</em\>\<em\>Blue Shield of California\</em\>, Los Angeles Superior Court Case No\. BC558549\</p\>

\<p\>Consumer Watchdog has filed a class\-action lawsuit on behalf of hundreds of thousands of California consumers against Blue Shield for misrepresenting its physician and hospital networks in order to boost sales during the Affordable Care Act’s first ‘open enrollment period’ that ended on March 31, 2014\.\</p\>

\<p\>Additionally, the lawsuit alleges that Blue Shield violated California laws by:\</p\>
- [Anthem Blue Cross's "Bait \& Switch" Misrepresentations of Doctor \& Hospital Networks, and Delayed Enrollment in Affordable Care Act Plans](https://consumerwatchdog.org/cases/anthem-blue-crossaes-ae˜bait-switchae-misrepresentations-doctor-and-hospital-networks-and-delayed-e/): \<p\>\<em\>Felser, et al\. v\. Blue Cross of California\</em\>, Los Angeles Superior Court Case No\. BC550739\</p\>

\<p\>Consumer Watchdog has filed a class\-action lawsuit on behalf of hundreds of thousands of California consumers against Blue Cross for misrepresenting its physician and hospital networks in order to boost sales during the Affordable Care Act’s first ‘open enrollment period’ that ended on March 31, 2014\.\</p\>

\<p\>Additionally, the lawsuit alleges that Blue Cross violated California laws by:\</p\>

## Case Studies
- [The Rx Express](https://consumerwatchdog.org/case-studies/rx-express/): a moment of clarity for many Americans about the high cost of prescription drugs\.
- [Protecting California's Ban on Zip\-Code Based Auto Insurance](https://consumerwatchdog.org/case-studies/protecting-californiaaes-ban-zip-code-based-auto-insurance/)
- [Guaranteeing Strong HMO Patient Rights](https://consumerwatchdog.org/case-studies/guaranteeing-strong-hmo-patient-rights/)
- [Exposing Senate Majority Leader Bill Frist's Corruption](https://consumerwatchdog.org/case-studies/exposing-senate-majority-leader-bill-fristaes-corruption/)
- [Passing Financial Privacy Legislation](https://consumerwatchdog.org/case-studies/passing-financial-privacy-legislation/)

## Episode
- [Fighting Back Against Hidden Redlines And Delays](https://consumerwatchdog.org/podcast/fighting-back-against-hidden-redlines-and-delays/)
- [The Underworld of Fire Insurance Subcontractors](https://consumerwatchdog.org/podcast/the-underworld-of-fire-insurance-subcontractors/): Smoke damage has become a major issue for wildfire victims of the Eaton and Palisades fires\. In this episode, we go present a tip guide for policyholders on getting smoke damage claims paid from those who know best: folks who have gone through it\. You’ll be hearing from fire survivors who have fought and won, public adjusters who seek to get claims paid on behalf of policyholders, attorneys who litigate in court against insurance companies, and experts in toxins and testing\.
- [How Tech and Data Shape Your Property Insurance](https://consumerwatchdog.org/podcast/how-tech-and-data-shape-your-property-insurance/): In this episode we examine how technology has increasingly taken over every aspect of our home insurance policies, from the algorithm that decides how much insurance we need when we sign up, to the algorithm that determines what it’ll cost to rebuild after a disaster, to the ones that set your fire risk score and decide how much companies get to charge for future disasters\. The data that feeds this technology is often incorrect and always hidden from public view\. And there is a big company behind it: Verisk\.
- [How One Regulator Made California’s Fire Recovery Harder](https://consumerwatchdog.org/podcast/how-one-regulator-made-californias-fire-recovery-harder/): We explore a recent investigative story by the New York Times about how industry\-favored loopholes crafted behind closed doors at the California Department of Insurance have undermined fire recovery, and how Los Angeles fire survivors are now calling on Governor Gavin Newsom to ask Insurance Commissioner Ricardo Lara to resign\.
- [10 Tips to Get Smoke Damage Claims Paid](https://consumerwatchdog.org/podcast/10-tips-to-get-smoke-damage-claims-paid/): Smoke damage has become a major issue for wildfire victims of the Eaton and Palisades fires\. In this episode, we go present a tip guide for policyholders on getting smoke damage claims paid from those who know best: folks who have gone through it\. You’ll be hearing from fire survivors who have fought and won, public adjusters who seek to get claims paid on behalf of policyholders, attorneys who litigate in court against insurance companies, and experts in toxins and testing\.

## Categories
- [Insurance](https://consumerwatchdog.org/issues/insurance/)
- [Privacy](https://consumerwatchdog.org/issues/privacy/)
- [In The News](https://consumerwatchdog.org/issues/in-the-news/)
- [Energy](https://consumerwatchdog.org/issues/energy/)
- [Healthcare](https://consumerwatchdog.org/issues/healthcare/)

## Tags
- [News Release](https://consumerwatchdog.org/tag/news-release/)
- [Video](https://consumerwatchdog.org/tag/video/)
- [Holding Big Oil Accountable](https://consumerwatchdog.org/tag/holding-big-oil-accountable/)
- [Gas Prices](https://consumerwatchdog.org/tag/gas-prices/)
- [Patient Safety](https://consumerwatchdog.org/tag/patient-safety/)

## Podcasts
- [Smoke \& Mirrors](https://consumerwatchdog.org/series/smokeandmirrors/)

## Optional
- [Sitemap index](https://consumerwatchdog.org/sitemap_index.xml)