Flexing The Health Insurance Company Muscle

by cheapcarinsurancequotesonline

When it comes to prescription drugs you may be that your course of treatment is being dictated by your doctor when in fact your health insurance company actually has a greater say in the drugs that may or may not be dispensed to you. Insurance companies don’t know you and they don’t have a medical degree but somehow, they seem to believe that they have the right to dictate your course of treatment and unfortunately this actually is a true statement.

When many people realize what is really going on between their doctor and their health insurance company in regards to the course of treatment they will receive and that it is driven more by the decisions made by the insurance company than the doctor professional opinions and conclusions it can be very disillusioning to say the least. The health insurance company usually decides the acceptable treatment package for the patient and is on their approval or disapproval. It is now standard practice before a physician will offer suggestions for their patience’s treatments to first consult with the health insurance plan.

Usually a doctor will not tell you that the course of treatment being suggested is what the health insurance company has approved. However, there are other doctors that do let their patients know why the prescribed treatment is being suggested.

As with most everything aspect of life, those with the most money generally get their way first. This is especially true in the medical field and the role and influence that big deep pocketed drug companies play in the options presented to the patients via the doctor. It might be that there are several very good options available, but because of the cost of the medical care, the health insurance company will blatantly discourage these options from being part of the options list made available to the patient.

Concerning health insurance coverage for most patients, their health insurance company has more control and influence to dictate the treatments for the insured parties that many previously believed and this is just plain wrong. Simply because no member of the health insurance company actually examined you and they don’t have the professional medical credentials to adequately make such life changing decisions for the patients. For the most part the insurance company only knows you by your policy number or case number, so why should they be allowed to possess so much control over your treatment and care?

A simple way to answer this is to realize that the health insurance company is big business that wants to continue unprecedented growth and profits by limiting their liability and decreasing the amount they pay to each claimant. The decisions almost never are based on any thing other than a business prospective and nothing to do with what is best for the insured patient to ensure that they are getting the best treatment available.