If a doctor says I need necessary treatment, my health insurance company, whom I pay, needs to take my doctor's word for it.
The fact that some health insurance companies have non-medical professionals decide whether the doctor is right, is a conflict of interest and ridiculous.
Now, if there's paperwork and/or necessary information missing, then that's different.
I can post a video of a surgeon who exposed what health insurance companies do to obstruct necessary treatments and it's absolutely disgusting. He details getting transferred to different departments within the health insurance company, sometimes waiting up to 90 minutes on hold - only for the call to drop.
I get your point, but that’s how ALL insurance works. A professional says something needs to be done, a case is sent to the insurance company, they review the details and either approve or deny the claim. Otherwise doctors could request whatever they want just to run up the bill and force the insurance company to cover it. We already know that happens and that’s why this flawed system exists in the first place.
And I can assure you that while some people are intentionally trying to deny medically necessary treatments, a lot of it is due simply to inept employees who are terrible at their jobs and don’t want to do the work. These utilization review nurses are told they have to touch a certain amount of cases per day. Just like any other job that has a quota, what do you think happens when 3 o’clock hits, they have 10 more cases to touch and a case comes that’s going to take an hour or more to work, and you can tell because its been volleyballed 4 or 5 times already.
The same thing that surgeon is going through is probably what the utilization review nurse in going through, just to try to close out a case. God forbid the team just sucks or has poor leadership. Then the turnover is high and the quota gets higher. I’ve seen all of this happen in real time.
As greedy as these executives are, terrible employees make it even worse, just like any other company.