Posted by fachad on July 15, 2002, at 12:22:23
In reply to Re: Insurance, Profitability, Utilization, Profiling » fachad, posted by judy1 on July 15, 2002, at 11:58:22
judy1,
Here are a few things that may provide some small comfort to you in your situation.
>Since my husband is a VP in a very large company
The larger the company, the less this whole utilization thing is a factor. This is a statistical method, and the larger the group, the less effect any one high utilizer has on the total average utilization of the group.
Also, this type of information is supposed to be somewhat confidential, and larger companies usually have better procedures to protect confidential material.
Finally, even if you are being stigmatized, it is for costing the insurance company a lot of money, not for being "crazy".
They don't really care if you have paranoid schizophrenia or seasonal allergies or cancer. All they really care about is how much money your treatment is costing...
> That was very frightening and unfortunately true. My husband keeps a certain amount of money (pre-tax) for health reimbursements and they refused to reimburse my therapist charges because there was no diagnosis(s) put down. Since my husband is a VP in a very large company, I'm terrified this will have consequences on his career- I don't know, the guy with the crazy wife. So I think it's even more far-reaching then you propose. Take care, judy
poster:fachad
thread:112416
URL: http://www.dr-bob.org/babble/20020709/msgs/112426.html