What Are We Paying Them For?

One time, my husband was really sick with a respiratory infection. The doctor had prescribed some medicine to relieve his symptoms, and he had used it all, so the doctor called the pharmacy with a prescription for more. Later, I called the pharmacy to see if the medicine was ready, and I was told they hadn't filled the prescription because insurance declined it! The insurance company's position was that it was "too soon" for Hubby to get more medicine, even though his doctor thought he should have it.

I told the pharmacy to forget insurance, I would pay. It wasn't actually a lot of money. Overall, there are probably many cases where it costs the company more to deny a claim (paying the drones who do the paperwork and deal with the patient's complaints) than it would to just go ahead and pay for it.

Costs aside, I don't understand why office workers who have never even met the patient are allowed to overrule his licensed physician, who has firsthand knowledge of his illness and is trained to treat it.

We think we are paying these companies to provide for our health care. We think their purpose is to help us pay medical bills. They think their purpose is to just collect our money and dole it out to shareholders and millionaire executives.