Health Insurance Providers - Their Abuse And Methods, The Beginning

There's little or without doubt the Health Insurance Industry includes a strangle hang on doctors along with other health care companies and also the delivery of health care. There might be little hope like a significant quantity of these health insurance companies get more potent and more potent their structures grow taller and taller plus they be effective political insurance supporters. CEOs may command six or perhaps seven figure salaries. Inside a significant number of instances, bonuses grow and flourish as existence-saving or health protecting medications and care are refused. This number of articles will concentrate on the abuse caused on health care companies and also the health care system with a significant quantity of health Insurance companies. "The country's HMOs reported a .6 billion profit for that first three several weeks of 2005, representing a 6 million, or 21.4 %, increase within the . billion gained throughout the very first quarter of 2004" based on Weiss Rankings, Corporation.

Abuse #1: Pre-existing Condition.

Health Insurance Company

Patient walks right into a doctor's office to appear and she or he presents their health insurance card. Employees certifies insurance coverage or acquires a legitimate referral (permission) in the insurance company to determine the individual. The individual is viewed to consider from the concerning health problem. The insurance company is charged. The physician's claim for payment is refused. Pre-existing condition 's the reason provided by the insurance company. Quite simply this problem began before (pre-been around) the insurance coverage. However, a physician cannot know this unless of course she or he first sees the individual and requires a history. The physician or any other health care provider may never get payment. The individual despite having to pay rates may find yourself in trouble using the bill. The insurance company pockets these funds. The battle is on. Guess who usually wins, the company for the reason that 20 or 40 story plush corporate business building which has enough bureaucracy to connect the health care provider for several weeks in the future. Guess who usually surrenders.

Health Insurance Providers - Their Abuse And Methods, The Beginning

Example: I had been requested to see on the put in the hospital patient because she was passing bloodstream as well as in discomfort because of a kidney stone. Imagine my surprise when my claim for payment was refused for pre-existing condition. The insurance company stated the stone was pre-existing!

Abuse #2: Referral or Prior Authorization

I believe that the concept of insurance companies mandating that health care companies get special permission (recommendations or prior authorizations) ought to be banned. These recommendations or prior authorizations might be enforced on the health care provider before they might provide a patient a health protecting medicine, diagnostic test, hospitalization or perhaps appointment. Recommendations or prior authorizations in a lot of cases delay care and could convey a patient's health in risk. They're obstacles of looking after and in some cases are utilized as weapons to deny care to be able to line the pockets from the insurance company. Is not it silly to consider that health care companies who've spent a long time in training and therefore are indeed experts can't determine by themselves if your patient must be seen or needs medicines or test.

Example: Someone given to my office soon after closing. I'd seen her in consultation previously for out of control high bloodstream pressure. She wasn't feeling well and she or he complained that her bloodstream pressure was elevated. The insurance company was closed therefore we couldn't obtain a referral number. I clearly saw the individual and given medicine to lessen her bloodstream pressure. She felt better. I additionally avoided a pointless er visit. The following day we known as the insurance company to describe our situation plus they stated they'd deny our claim since we had her without permission.

Health care companies and patients must speak up and demand our chosen authorities make health insurance industry reform important.

Health Insurance Providers - Their Abuse And Methods, The Beginning