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"Not Medically Necessary": Helping America's Health Insurers Deny Coverage

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51–60 of 224 posts

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#51
I am a member of a community that had an extremely high rate of HIV infection, and watched dozens of people die, in the 1990s. It was pretty awful.

I found out that many insurance companies deliberately delayed approving procedures, in the hope that it would kill the patient.

back then, there was no AI. The decisions were made by humans.

Sometimes, people suck.

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#52
post #11

Earlier quoted context omitted.

What's a libertarians take on how health care should work? Completely privatized, completely socialized, somewhere in between?

The fact that the hospital doesn't know what a procedure costs (they make it up based on deals with medicare, medicaid, and individual insurance companies) should give you a hint. Yes, the patient needs skin in the game. People need to take care of their own health. Most procedures are given to grossly unhealthy people. Yes, completely privatize it. Make people pay for their care so their daily decisions are weighed…

“ The fact that the hospital doesn't know what a procedure costs (they make it up based on deals with medicare, medicaid, and individual insurance companies) should give you a hint.”

The hint here is that the random pricing needs to stop. Same procedure for the same price. No market can work if participants don’t know the actual price. Insurance and hospitals probably have a very good idea but patients are being kept totally in the dark. You are expected to just accept what this opaque machinery comes up with.

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#53

“The algorithm cannot say no, however. If it finds problems, it sends the request for review to a team of in-house nurses and doctors who consult company medical guidelines. Only doctors can issue a final denial.” As a physician, I’ve had to speak to these so called “peers” in a peer to peer denials with both my clinic and hospital setting. They are usually people who aren’t physicians as a first line of their defens…

This is good to hear. My mother was a PA for a private practice and also would often call the insurance providers to challenge denials, often from people far from the relevant specialty. By her accounts she was usually able to reverse the denials.

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#54

“The algorithm cannot say no, however. If it finds problems, it sends the request for review to a team of in-house nurses and doctors who consult company medical guidelines. Only doctors can issue a final denial.” As a physician, I’ve had to speak to these so called “peers” in a peer to peer denials with both my clinic and hospital setting. They are usually people who aren’t physicians as a first line of their defens…

Physician and Hospital resources is a real zero sum game, how do you fairly regulate the medical landscape so those who's lives will benefit most from a procedure will receive the procedure? Who decides this? You? Should we allow everyone in the world who needs a procedure to receive one free and get ahead in line for Americans who need the same procedure? That's what the current climate looks like with unbridaled im…

[flagged]

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#55
post #40

Evilcore is a fitting name. > Connecticut’s Insurance Department recently reviewed EviCore and Carelon. It found no problems with Carelon. EviCore was fined $16,000 this year for more than 77 violations found in a review of 196 files. $16k is such a low fine that it’d be funny if it wasn’t so sad. fines should be increased to actually represent a threat to the company - maybe as a % of yearly profit? our system is so…

Multiplier times price of necessary care denied? One can dream.

How do you get accountable people in charge of healthcare policy?

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#56

“The algorithm cannot say no, however. If it finds problems, it sends the request for review to a team of in-house nurses and doctors who consult company medical guidelines. Only doctors can issue a final denial.” As a physician, I’ve had to speak to these so called “peers” in a peer to peer denials with both my clinic and hospital setting. They are usually people who aren’t physicians as a first line of their defens…

Physician and Hospital resources is a real zero sum game, how do you fairly regulate the medical landscape so those who's lives will benefit most from a procedure will receive the procedure? Who decides this? You? Should we allow everyone in the world who needs a procedure to receive one free and get ahead in line for Americans who need the same procedure? That's what the current climate looks like with unbridaled im…

Every other country seems to solve it

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#57
post #49

> In 2022, Carelon settled a lawsuit for $13 million that alleged the company, then called AIM, had used a variety of techniques to avoid approving coverage requests. Among them: The company set its fax machines to receive only 5 to 10 pages. Who are the people who sleep at night after designing these policies?

They sleep very soundly on a bed made of money.

There is an unlimited pool of people without empathy. Never forget that.

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#58
post #55
post #40

Evilcore is a fitting name. > Connecticut’s Insurance Department recently reviewed EviCore and Carelon. It found no problems with Carelon. EviCore was fined $16,000 this year for more than 77 violations found in a review of 196 files. $16k is such a low fine that it’d be funny if it wasn’t so sad. fines should be increased to actually represent a threat to the company - maybe as a % of yearly profit? our system is so…

Multiplier times price of necessary care denied? One can dream. How do you get accountable people in charge of healthcare policy?

By playing Super Mario brothers with those that are not?

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#59
post #11

Earlier quoted context omitted.

What's a libertarians take on how health care should work? Completely privatized, completely socialized, somewhere in between?

“I’ll put out this fire for you if you pay me $5000”

This is one of those things that, if it weren't already a public service, could never be implemented as one today. Add to that list public schools and public libraries.

Re: "Not Medically Necessary": Helping America's Health Insurers Deny Coverage

#60
post #40

Evilcore is a fitting name. > Connecticut’s Insurance Department recently reviewed EviCore and Carelon. It found no problems with Carelon. EviCore was fined $16,000 this year for more than 77 violations found in a review of 196 files. $16k is such a low fine that it’d be funny if it wasn’t so sad. fines should be increased to actually represent a threat to the company - maybe as a % of yearly profit? our system is so…

Yes trying to read that article my brain refused to parse "EviCore" as anything but "EvilCorp". Every time.
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