Did Prior Authorization kill a CEO?
The shocking murder of UnitedHealthcare CEO Brian Thompson drew national attention, particularly because of the chilling message written on the bullets used: "Deny," "Defend," and "Depose." These words symbolize the tactics insurance companies use through a process called Prior Authorization.
The aftermath of the murder revealed a deep and widespread anger toward insurance companies that had been building for years.
The Consequences of Prior Authorization
Insurance companies have long employed Prior Authorization to deny or delay necessary medical care. This practice has resulted in:
Delays in Care: Patients often wait months for treatments their doctors recommend.
Suffering and Shortened Lives: Countless Americans endure debilitating pain and see their health decline due to delayed or denied care.
Although insurance companies did not create the current healthcare system, they invest heavily in maintaining it because it generates massive profits and rewards shareholders. However, this system often fails to provide the care people need, despite ever-rising premiums.
How to Avoid Prior Authorization
You have one critical opportunity to take control of your healthcare and avoid Prior Authorization: when you turn 65 and choose your Medicare plan.
Original Medicare + Medicare Supplement (Medigap):
No Prior Authorization.
You and your doctor decide what care is medically necessary.
Medicare Advantage Plans:
Include Prior Authorization, putting insurance companies in control of your care.
Why Do Over 50% of Americans Choose Medicare Advantage?
Despite its drawbacks, Medicare Advantage is chosen by many because:
Aggressive Marketing: Insurance companies heavily promote these plans.
Cost-Saving for Employers and States: Retirees are often switched to Medicare Advantage to save money.
Lack of Awareness: Medicare is complex, and no one involved—insurance companies, brokers, or employers—is incentivized to help you fully understand your options. As a result, many unknowingly forfeit the superior benefits of Original Medicare with a Supplement
Take Charge of Your Medicare Decision
Educate yourself to make an informed choice at 65. Choosing Original Medicare with a Supplement ensures you retain control over your healthcare decisions—without interference from insurance companies.
Feel free to contact me with questions about this or any topic.
NOT FINANCIAL ADVICE
The information contained in this article is for informational purposes only and shall not be understood or construed as financial advice. I am not an attorney, accountant, or financial advisor, nor am I holding myself out to be. I do not accept any fees or commissions from anyone or any financial institution.
