Insurance Driven Medical Decisions
As we go throughout the year of 2023, the healthcare industry has seen its fair share of changes. One of the most notable changes is the way insurance companies are driving medical decisions. As we navigate this new landscape, it is important to understand the implications of these changes and how they might affect your healthcare. Insurance companies are becoming increasingly selective in approving medical procedures. In some cases, patients are being denied necessary treatments simply because their insurance providers do not see them as “cost-effective,” or not “medically necessary.” It is like playing a game of “Choose Your Path,” but instead of picking which direction to go, you are picking which medical procedures to get based on what your insurance company will cover. It is quite a frustrating reality that more and more people are facing. I have seen patients be turned down for proper imaging that could have saved them years of problems. Even with all the red flags for a procedure sometimes it isn’t the proper hoop you needed to jump through, and your medical needs are delayed.
Insurance companies are also putting pressure on doctors to prescribe certain medications over others. While some medications may be more expensive, they may also be more effective for certain patients. Unfortunately, doctors are being forced to prioritize insurance coverage over what is best for their patients. I have seen this firsthand but luckily, I have a specialist who continually fights for his patient’s needs. Let’s also not forget about the impact on mental health services. Insurance companies have been known to limit the number of therapy sessions covered, leaving many patients stuck without help. There are ways to navigate this rocky terrain. It is important to do the work for yourself and your healthcare. Do not be afraid to speak up and ask questions about why certain treatments or medications aren’t covered. Keep a detailed record of your medical history, including any past procedures or treatments you have received. This can help you make a case for why a certain procedure or medication is necessary.
It is important to stay informed about your insurance policy. Read the fine print and make sure you understand what is and is not covered. The details are the deductibles, co-insurance, out of pocket max for single, out of pocket max for family, does your pharmacy benefits go towards your medical benefits deductible and finally the copays. Consider switching to a different insurance plan if you are not satisfied with your current coverage. It may seem like a hassle, but in the long run, it could save you a lot of stress and money.
The increasing influence of insurance companies on medical decisions is a frustrating reality that we must all navigate. But with patience and work, we can ensure that our healthcare stays on track. So go ahead, make that appointment with your doctor, and don’t let insurance companies stand in the way of your health.
— This article is written by Aaron Workman, DC, one of the members of Chambers Medical Group’s team of car accident chiropractors who offer a variety of treatments and therapies ranging from diagnostic testing to various soft tissue therapies for car accidents and injuries in Kentucky.
Have you been in a car accident? If you or somebody you know has been in a car accident, be sure that you seek medical attention from a car accident doctor or car accident chiropractor to treat your injuries. Visit Chambers Medical Group to receive world-class medical treatment for your injuries.
Chambers Medical Group has car accident medical clinics in the following locations: