By using this site, you agree to the Privacy Policy and Terms of Use.
Accept
Health Works CollectiveHealth Works CollectiveHealth Works Collective
  • Health
    • Mental Health
  • Policy and Law
    • Global Healthcare
    • Medical Ethics
  • Medical Innovations
  • News
  • Wellness
  • Tech
Search
© 2023 HealthWorks Collective. All Rights Reserved.
Reading: A New Form of Insurance Denial of Coverage
Share
Notification Show More
Font ResizerAa
Health Works CollectiveHealth Works Collective
Font ResizerAa
Search
Follow US
  • About
  • Contact
  • Privacy
© 2023 HealthWorks Collective. All Rights Reserved.
Health Works Collective > Policy & Law > Health Reform > A New Form of Insurance Denial of Coverage
BusinessHealth ReformPolicy & LawPublic Health

A New Form of Insurance Denial of Coverage

docnieder
docnieder
Share
4 Min Read
Screenshot 2014-03-25 06.46.47
SHARE

Doctors hate the first of the year. Besides the cold weather, there are a myriad of reasons for that. In private practice one typically goes without a paycheck for two months. That’s a bit of a stressor. Increasingly more frustrating every year is all the changes from pharmacy benefit managers. Finally the physician finds the right combination of antihypertensive drugs, blood pressure is well controlled, life is good! Then the dreaded letter from the pharmacy benefits company arrives, stating that Exforge (or Metoprolol ER or…) is not covered under the patient’s insurance plan.

Doctors hate the first of the year. Besides the cold weather, there are a myriad of reasons for that. In private practice one typically goes without a paycheck for two months. That’s a bit of a stressor. Increasingly more frustrating every year is all the changes from pharmacy benefit managers. Finally the physician finds the right combination of antihypertensive drugs, blood pressure is well controlled, life is good! Then the dreaded letter from the pharmacy benefits company arrives, stating that Exforge (or Metoprolol ER or…) is not covered under the patient’s insurance plan. For some reason this year it is extended release medications on seniors’ plans that are not covered, generic no less. The elderly patient, who may be challenged in regard to compliance, now must take his or her medicine two or three times a day instead of just once. No problem, I’m sure the insurance company will send out a nurse to make certain that the patient takes all medications properly. No wait, the nurse is busy sending the patient to the emergency room for a hangnail because she’s worried that pain in the left arm is cardiac. But I digress.

Screenshot 2014-03-25 06.46.47

Copy from denial letter

This week a new level of denial has been breached. Now medications are deemed “experimental”. Somehow pharmacy benefit managers have confused off-label with experimental. Why would they do that? Simple: off-label use isn’t excluded on a patient’s insurance but experimental is. In one particular case my patient has a progressive debilitating neurologic disease that is causing pain. The patient already has issues with constipation due to an inability to be mobile so narcotics are not a good option, not to mention that he does not want to be dependent on narcotics for this pain. Amazingly this “experimental” medication was doing a  good job of managing the pain for the last year or so.

Not only is the denial of this medication arbitrary and cruel, it is unethical. Off label use of medications is an accepted and necessary treatment choice, particularly with pain, where avoiding narcotics is important for patient quality-of-life and many off-label use of medications is well-studied but not in the drug’s package insert since the medication has long been generic. In the meantime the patient asks ME how to deal with the issue. I recommended that they call their insurance company to begin an appeal process. Frankly a good lawyer might be a good idea as well.

More Read

More on the Longevity Project
5 Best Billing Practices for the Bundled Payment Initiative
Advancing Comprehensive Obesity Solutions Critical in the Fight Against Chronic Disease
The Affordable Care Act and the PCP Manpower Shortage
When and How Much TasP is Value for Money?
Share This Article
Facebook Copy Link Print
Share

Stay Connected

1.5KFollowersLike
4.5KFollowersFollow
2.8KFollowersPin
136KSubscribersSubscribe

Latest News

CRM Software for healthcare
A Beginner’s Guide to Medical CRM Software for Clinics, Medspas, and Telehealth
Global Healthcare Technology
December 29, 2025
The Evolving Role of Nurse Educators in Strengthening Clinical Workforce Readiness
Career Nursing
December 22, 2025
back health
The Quiet Strain: How Digital Habits Are Reshaping Back Health
Infographics
December 22, 2025
in-home care service
How to Choose the Best In-Home Care Service for Seniors with Limited Mobility
Senior Care Wellness
December 19, 2025

You Might also Like

Focus Healthcare Marketing to Improve Business Performance (Part 2)

February 3, 2014

The Cost of Quality Medical Supplies

December 2, 2015

Medicare Payments to Providers Are Carved, Sliced and Chopped by Sequestration

March 25, 2013

The Real Obamacare

November 1, 2012
Subscribe
Subscribe to our newsletter to get our newest articles instantly!
Follow US
© 2008-2025 HealthWorks Collective. All Rights Reserved.
  • About
  • Contact
  • Privacy
Welcome Back!

Sign in to your account

Username or Email Address
Password

Lost your password?