Should the insurance companies have the last word when it comes to medical treatment and procedures?
If it hasn’t happened to you yet it will. You go to the pharmacy and/or schedule a medical procedure only to discover that both are denied because the authorization is “pending”. Insurance authorization, also known as prior authorization or preauthorization, is a process where health insurance companies require providers to get approval before delivering certain services or medications. Many insurance companies deny approval. Other insurance companies offer alternative medicines or condition approval for a procedure if the patient first submits themselves to the procedure of the insurance company’s choice. For example, you twist your ankle and an MRI would be the most adequate diagnostic tool because it can produce an image of soft tissue as well as bone with no raditation. However, despite an MRI being the most appropriate and less harmful (since it offers no radiation) most if not all insurance companies will obligate you to have an XRAY first because it is less expensive. Therefore, it all comes down to money, your care depends on the cost to the insurance company. Further, medicines that would be most appropriate are often denied by insurance companies leaving the patient with the less effective medicine. For all intents and purposes neither doctors nor patients are in control of their medical treatment. There is a growing need for the new administration bring change to a much needed issue that has remained ignored for too long. The desperation among the American people is clear with the killing of UnitedHealthcare CEO Brian Thompson being one of multiple high profile occurances that have brought awareness to the public’s discontent with the current healthcare system. In conclusion, this and all issues that affect our society should be addressed obviously not by violence but by inducing our elected officials to correct the challenges that still remain unresolved. As a first world developed country we should put patient first, doctors second and insurance companies last, in other words our elected officials must find a way to allocate the proper funding and resources that will allow patients and doctors to regain control of medical decision making.