A recent informal APTA poll revealed that many of you are uncertain about the future, with a whopping 80% either unsure or lacking confidence that the changes associated with upcoming healthcare reform will be positive. But whether change is bad or good, it is always stressful, and everyone — including therapists, MDs, RNs, and even insurance companies — is frantically scrambling to try and make sure they will get a piece of the action going forward.
In the small, family-like outpatient clinic where I work, we just received the news that a certain large national insurance company has decided to ration its payment for PT services. Patients that have plans that allow for 60 visits per calendar year are now being arbitrarily capped at 25 visits, and those with unlimited coverage according to medical necessity are also capped at 25 visits. All cases under appeal are being denied, regardless of supporting documentation. How can they do this? It seems illegal to withhold agreed-upon services from patients who signed up for a particular plan ... is this a last-ditch effort by the insurance companies to make a profit while they still can? Is this a taste of future healthcare rationing? What about the patients' needs?
Have any of you noticed any high jinks out there with insurance companies? I’ll be interested to hear your thoughts and experiences.
Anne Ahlman, MPT