Ok we are now starting to see some of the 3rd party risk companies used by insurers being questioned. When they make their sales pitch to insurers they of course tell them how much money they can save them, a percentage usually. The video talks about approval for tests and what is allowed and what is not allowed.
What controls these cost evaluations – those algorithms!
In this case a nuclear stress test was ordered by his doctor and it was denied by Blue Cross 3 times and the doctors had to go to work and interesting how this video shows a web conversation with him and his doctor too. After 3 times the doctor sent the patient to the hospital where a big blockage was found and if he had not received treatment he would dead said the doctor at the hospital. He had an emergency quadruple bypass.
Med solutions is the 3rd party who worked for Blue Cross promising 25-30% savings, they run algorithms to do this based on data input into the system and the patient records they have on file. Med Solutions ended up with a Senate investigation and found that sure there were some denied appropriately but how about the ones inappropriately denied, like in this case. If your life is on the line it’s one huge difference and someone better fix that algorithm. Med Solutions fees were to be cut if it didn’t save Blue Cross 20% with their auditing, so you can think about what may have gone on here. Back in 2007 I found an old post here with a doctor complaining about Aetna and Med Solutions getting grilled in a peer to peer meeting as it did not meet the criteria set forth.
“Because the test I ordered did not fit Aetna’s or Medsolution’s “protocol”, quite possibly created by businessmen without much medical background, my patient must suffer. I should not need to provide justification for preferring to perform one study over another as long as each is appropriately ordered.”
Who’s playing doctor here? Their argument was that they want to guarantee that patients get the care they need, well maybe if you not looking at having your rates cut. Interesting too is that I tried to visit the Med Solutions website today and it is down, which could be coincidental but maybe not. Blue Cross changed their procedures and said they no longer require approval for nuclear stress tests. This was good case that made it to the news for an awareness for all and perhaps they will look closer at the algorithms run by the 3rd party software folks they used in the future.
Now do you see where our lawmakers are having issues here with quick changes in algorithms like this when patients are denied care. The link below is a long post and covers a lot of territory about digital illiteracy in lawmaking and why some processes should change and I included a video from Harry Markopolos to remind us of the fact that we can’t take dull knives to gun battles.
Healthcare Reform Law– Is Any Judge Fully Capable of A Decision on a Law That is Challenged By Constantly Changing Algorithms?
We certify software from medical record vendors, so why do we not certify that he algorithms run by insurers and their agents are also performing correctly?
We need some digital algorithms on file to save time and patients like this the anguish. I wrote this back in 2009 by the way on the Department of Algorithms. BD