when it comes to so many issues regarding spinal problems and its treatment.
I have digressed a little.
I've always believed in the medical industry and always will. I have seen so much of what they can do. Being a partner to someone who is in the medical field, I have have knowledge of the hundreds of patients that have been save because of our doctors, nurses and more.
However, so much has changed over the past several years. What my doctors would approve and say is fine, today, they are rejected. Not because they dont believe it, or write the proper justifications, but its because the insurance companies have dictated what is ok and what is not.
That is so wrong and so sad. When a doctor can prepare all the justification for a patient to do this or that, who says that the insurance companies, without the medical degrees can make decisions. I find their acts so wrong and so against the overall welfaer of the patient.
Its probably no different than insurance companies for autos. You pay many years of premiums, but then when you have an accident, one of the first things they do is increase your premium! You pay for years and years that amount to much more than a claim, but yet, you are penalized.
The same hold true for medical insurance. It really doesnt matter what the doctor says anymore. Why? That is not right.
I dont want this to sound is if its about me... I have an upcoming ankle reconstructive surgery. Sometime in late March. I will need to have no weight bearing for about 5 weeks. Its going to be hard, but between what we can rent from medical supplies, my old crutches, we will do. But based on my existing condition, numerous surgeries, always with complications, you would hope that I could stay in a hospital overnight. My doctor totally agrees. He has already written two letters of necessity ( I have seen these letters), explaining why as a chronic pain patient , with multiple surgeries and documented complications that staying 1 night after the surgery is medical warranted. The insurance company says NO
I am not as so concerned about myself, since my wife is a medical professional, she will be able to take care of me. But its the attitude and direction that the insurance companies are taking today.
This scares me. We (all of us) pay a lot of money into medical insurance premiums, but yet when we really need them or could use them, we re denied.
I am sorry, as moderator I should not be making these negative comments. But right now, I am speaking as a patient and I hope for other patients. I dont know how all of this stops or can be corrected, but I do know that this mode can not continue.
I know someone close to me, that had some serious medical problems, they were hospitalized for several days. When it came to paying up, they didnt have any medical insurance. They were not kicked out, the medical field still holds to their oath in providing medical assistance to anyone, regardless of their ability to pay for it. Instead, this person was given a much reduced cost of services and allowed to pay over time.
The medical field knows about the lack of justice in this.... but where is the heart of our insurance carriers? Yes, I am sure that many folks abuse insurance and that is also wrong, but what about people that pay when they are suppose to pay.
I apologize again, I just feel this is so wrong and I dont know how it can be made right.
Ron DiLauro Veritas-Health Forums Manager I am not a medical professional. I comment on personal experiences