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this post was submitted on 17 Jan 2024
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Then I'm full of shit and my wife's reverse shoulder joint is a figment of our collective imaginations.
"medically necessary" I think is just one of the descriptive words surrounding the language of the laws and forms. Its actually one of a number of phrases that should work as I'm pretty sure I've had a couple without it. Realistically any challenge that requires the insurance company to actually get a doctor to review a case should get a successful prior auth.
It's not one or the other. You're full of shit and your wife would have gotten her reverse total joint surgery regardless.
Insurers are known to automatically deny procedures based on what is essentially a flow chart (illegal) rather than a medical professional review of the case (required by law). This is why most insurers back down when a prior authorization is requested.
The whole process is being abused by insurers and if you ask doctors, nurses, pharmacists they'll tell you the process is being abused.
Cigna got caught doing it https://www.propublica.org/article/cigna-pxdx-medical-health-insurance-rejection-claims I guarantee you that most other insurance companies are doing this as well.
Insurance companies are going to do anything they can to reduce loss ratio, but... That is literally the plot of a John Grisham novel (pre-ACA, so it was a little more complicated than that, but still).
Maybe that's not the model that real-life insurers should be copying.
No one is saying insurers aren't horrible people and organizations denying care to patients in need. What I am saying is that "medically necessary" aren't magical words. This is some cargo cult nonsense.
You literally say it in your own reply. "Sometimes medically necessary". If you think nearly everything isn't classified as that by a company who makes more money the more healthcare they don't cover I don't know what anyone can say to you to bring you back to the reality of US healthcare. They hire unemployable doctors with histories of malpractice to deny claims in bulk.
Did you read my reply? You're really out of your depth here, buddy.
I did. It was truly unfortunate. After working in healthcare for a decade I thought i had seen all possible shit takes...I was wrong lol.
It isn't about what's actually medically necessary. Insurance companies will use any excuse to pull bs. It greatly matters how a court would view it. People are stupid and could buy the insurance companies arguments that it wasn't made clear that it was medically necessary. Its also important that scheduled procedures are generally termed "elective" even if they are something like a necessary heart procedure. That terminology could be confusing to people who are not medically literate. Making it harder to make a case against them should something happen. They know this and fuck around. CPT codes only tell them what the condition is. There are some conditions that are not life threatening but still God awful to deal with having. You better believe they try to make people try treatments their doctor already knows won't work and otherwise try to find excuses for why its not medically necessary.
It doesn't matter that you don't think such language should be necessary. This is the real world. Not some fantasy land in your head. Our Supreme Court is clearly incapable of reading the constitution. Why on earth would you think anybody else in this country would be able to read? Especially when they already have policies to intentionally hassle people because it saves them money. Its obvious you've never interacted extensively with the American Healthcare system or have only used it with Medicare. Preauths are one of the worst things I have to deal with at my job.