Steps to Take When Your Health Insurer Overrules Your Doctors and Declines Prescribed Services
Your health is all you have.
Introduction
If you are like me, you have experienced your health insurance company declining a prescribed serviced deemed “necessary” by your physician.
Whether that service is a prescription for a certain medication or a procedure, being turned down by one’s insurance company is an ongoing and largely unnecessary hassle faced by millions of Americans.
Many health insurance companies, however, are for-profit entities. These companies include but are not limited to the following: UHG, CVS/Aetna, Cigna, Elevance, Centene, Humana, Health Net (originally established in 1977 as the nonprofit Health Net of California by Blue Cross), and Blue Cross and Blue Shield affiliates in 11 states per Harvard Business School.
Although turning down prescribed services are part and parcel of a for-profit health insurer’s bottom line, what of those nonprofit entities such as Kaiser Permanente and EmblemHealth, among others?
Often the answer is the same, and the individuals or groups who pay hundreds or thousands of dollars monthly for health insurance — regardless of through an employer or privately — find themselves…
