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submitted 1 week ago by BrikoX@lemmy.zip to c/usa@midwest.social

Providers, patients and even some federal judges say progress-based insurance denials harm patients at key moments of mental health treatment.

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[-] Australis13@fedia.io 87 points 1 week ago

Honestly, I have to wonder if the cruelty is the point here. Even in the cold light of pure financial terms, it's bad for insurers to behave this like:

Unable to pay the $350-a-day out-of-pocket cost for additional intensive outpatient treatment, Moore left her program within a week of BCBS Texas’ denial. The insurer would only cover outpatient talk therapy.

During her final day at the program, records show, Moore’s suicidal thoughts and intent to carry them out had escalated from a 7 to a 10 on a 1-to-10 scale. She was barely eating or sleeping.

A few hours after the session, Moore drove herself to a hospital and was admitted to the emergency room, accelerating a downward spiral that would eventually cost the insurer tens of thousands of dollars, more than the cost of the treatment she initially requested.

[-] varyingExpertise@feddit.org 8 points 1 week ago

Likely some internal incentive program that rewards certain minimum rejection rates. Costs following that are counted elsewhere.

[-] Australis13@fedia.io 5 points 1 week ago

I can definitely believe that. The whole "not my specific budget, not my problem" thing.

[-] fishabel@discuss.online 27 points 1 week ago

Guess they need a visit from our hero Luigi.

[-] JackbyDev@programming.dev 8 points 1 week ago

Assuming Luigi is guilty is stripping his rights.

this post was submitted on 02 Jan 2025
226 points (98.3% liked)

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