I can't tell you how often I hear the same story from friends, colleagues, or from readers here at Caring.com. It always follows the same outline: The oncologist, working as diligently as possible to come up with an effective treatment plan, tells a cancer patient and her family that a particular treatment is the best option. But the treatment is expensive, and the insurance company refuses to cover it.
Sometimes the reason given is that it's not the "standard of care," meaning someone at the company has looked at a list of treatment protocols and doesn't see this one listed. Sometimes the treatment is deemed "experimental," although doctors have plenty of evidence that it works. Sometimes the reasons behind the decision are even murkier, such as in this great "rant" (his term, not mine) by oncologist and blogger Doctor David, who describes a case in which the insurance company's wording was that "there was no evidence" the treatment he'd selected was "useful in this disease... Read more












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