Skip to content
  • About
  • Contact
  • Contribute
  • Book
  • Careers
  • Podcast
  • Recommended
  • Speaking
KevinMD
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
    • All
    • Physician
    • Practice
    • Policy
    • Finance
    • Conditions
    • .edu
    • Patient
    • Meds
    • Tech
    • Social
    • Video
    • About
    • Contact
    • Contribute
    • Book
    • Careers
    • Podcast
    • Recommended
    • Speaking
KevinMD
  • All
  • Physician
  • Practice
  • Policy
  • Finance
  • Conditions
  • .edu
  • Patient
  • Meds
  • Tech
  • Social
  • Video
    • All
    • Physician
    • Practice
    • Policy
    • Finance
    • Conditions
    • .edu
    • Patient
    • Meds
    • Tech
    • Social
    • Video
    • About
    • Contact
    • Contribute
    • Book
    • Careers
    • Podcast
    • Recommended
    • Speaking
  • About KevinMD | Kevin Pho, MD
  • Be heard on social media’s leading physician voice
  • Contact Kevin
  • Discounted enhanced author page
  • DMCA Policy
  • Establishing, Managing, and Protecting Your Online Reputation: A Social Media Guide for Physicians and Medical Practices
  • Group vs. individual disability insurance for doctors: pros and cons
  • KevinMD influencer opportunities
  • Opinion and commentary by KevinMD
  • Physician burnout speakers to keynote your conference
  • Physician Coaching by KevinMD
  • Physician keynote speaker: Kevin Pho, MD
  • Physician Speaking by KevinMD: a boutique speakers bureau
  • Primary care physician in Nashua, NH | Kevin Pho, MD
  • Privacy Policy
  • Recommended services by KevinMD
  • Terms of Use Agreement
  • Thank you for subscribing to KevinMD
  • Thank you for upgrading to the KevinMD enhanced author page
  • The biggest mistake doctors make when purchasing disability insurance
  • The doctor’s guide to disability insurance: short-term vs. long-term
  • The KevinMD ToolKit
  • Upgrade to the KevinMD enhanced author page
  • Why own-occupation disability insurance is a must for doctors

Can doctors ever work together with insurance companies?

Natalie Azar, MD
Physician
May 28, 2014
Share
Tweet
Share

Recently, I had what I’d call a true banner day in my office. One late afternoon, after I had finished seeing patients, I had started in on that iniquitous pile of paperwork that awaits all of us doctors after office hours. As usual, I was finding the task alternately arduous (can my patient comfortably carry five-to-ten pounds for five-to-ten minutes?), rewarding (the patient does not have lupus), and monotonous (there is a reason why doctors’ signatures are so illegible). But then, something unexpected caught my eye: Right there, in a stack of neatly arrayed faxes and envelopes, were four insurance company approval letters in a row.

For anybody who has spent hours writing letters of appeal to insurance companies, and even more time on the phone waiting for that infamous peer to peer review, you know what I am talking about. But just in case, let me translate: A medication, infusion, MRI, or cat scan I ordered for my patient was approved without objection, qualification, or condition. In my experience, outcomes like this have become rarer and rarer, leaving me to wonder what’s crazier, the fact that this happened, or that it is so noteworthy.

Let me go on record by saying that I truly, sincerely, and unabashedly love being a doctor. Even at its toughest, there are crystal clear moments of joy and triumph and gratitude for the simple act of healing. Yet there are decidedly days where I find myself sounding off at the water cooler about the frustrations of dealing with so much insurance paperwork. According to the Department of Labor, one out of every seven claims is initially denied. For us, that means going back over codes, placing phone calls, and ultimately resubmitting these claims, often on a wing and a prayer.

So where did it all go wrong? A few months ago, I read an editorial by another MD who, in referring to the moments when patients would get upset with him when tests and medications were not approved, wrote, “This is not what I went to medical school for.” Sardonic tone aside, he had a good point.

In medical school, we versed ourselves in path and biochemistry and gross anatomy, but there were no courses on how to “get your medications approved,” or “how to talk to insurance companies,” or maybe even “how to beat the system.” Instead, we were drilled the algorithms for treating community-acquired pneumonia, acute coronary syndrome, and neutropenic fever and hyponatremia. For years, we painstakingly practiced and rehearsed and perfected our bread-and-butter medicine. But as we went through our training, one elective, rotation, and course after another, we were not schooled in the business of medicine. Indeed, while were developing the skills to save lives, this felt like the anathema of our purpose.

I first remember really learning about the important role insurance claims would play in my life as a doctor during my residency at NYU in the late 1990s. At the time, the HMO model was fast sweeping across the country. My program had taken the initiative to educate us about these new plans because, we were told, they would directly impact our professional experience as freshly minted MDs. The days of fee-for-service medicine were rapidly shrinking and we would need to become familiar with a whole new vocabulary: formulary and non-formulary, preferred, tier 1, and prior authorization, to name just a few.

Nevertheless, for a number of years, it really felt like the system was working. With some patience and resilience, my colleagues and I would write and custom-code prescriptions for generics, formulary drugs, or alternative infusions to fit each patient’s specific insurance parameters. As the landscape continued to change, we diligently adjusted our expectations and strove to ensure we were doing what was needed to give our patients the best, safest outcomes. But increasingly, it seems, the volume of claims and the challenges of approval have outpaced us, a trend we see evidenced in the renewed interest in fee-for-service models and a growing enthusiasm over concierge medicine.

For most of us, the headache isn’t going anywhere, and fortunately, some insurance companies and startups alike are taking on this worthy challenge. For our part, let us engage our voices and experiences with the discourse. While there is likely no silver bullet solution, if we all work together, we can do better.

Natalie Azar is a rheumatologist who blogs at The Doctor Blog.

Prev

Power morcellation: Answers to your safety questions

May 28, 2014 Kevin 6
…
Next

How do we fix the high blood pressure problem?

May 28, 2014 Kevin 4
…

Tagged as: Primary Care

< Previous Post
Power morcellation: Answers to your safety questions
Next Post >
How do we fix the high blood pressure problem?

ADVERTISEMENT

More by Natalie Azar, MD

  • Motivate patients to exercise more and eat less

    Natalie Azar, MD
  • a desk with keyboard and ipad with the kevinmd logo

    Patients who come with a family member doctor

    Natalie Azar, MD
  • a desk with keyboard and ipad with the kevinmd logo

    Why are doctors the worst patients?

    Natalie Azar, MD

More in Physician

  • The hidden costs of diffuse accountability in medical teams

    Gus W. Krucke, MD
  • Overcoming moral injury in medicine: a Doctor’s Day reflection

    Seleipiri Akobo, MD, MPH, MBA
  • Why resilience is not the cure for physician burnout

    Lisa Rubiano, DO
  • Finding meaning in medicine: Reconnecting with your childhood calling

    Brian Sayers, MD
  • The dysfunctional medical malpractice marketplace and tort reform

    Howard Smith, MD
  • The cost of time constraints in primary care: Why doctors feel rushed

    Ann Lebeck, MD
  • Most Popular

  • Past Week

    • How hindsight bias distorts clinical medicine

      Olumuyiwa Bamgbade, MD | Physician
    • Institutional distrust in health care: Why a doctor lost faith

      Joshua Mirrer, MD | Physician
    • Do no harm: Why physician burnout requires bottom-up reform

      Desiree Francis, MD | Physician
    • Independent medical practice: Why private clinics are essential

      Marcelo Hochman, MD | Physician
    • Health insurance incentives and alternatives to opioids for chronic pain

      Molly Candon, PhD and Daniel Clauw, MD | Conditions
    • Why measuring muscle mass matters more than tracking your weight [PODCAST]

      The Podcast by KevinMD | Podcast
  • Past 6 Months

    • The dangers of vertical integration in health care

      Stephanie Waggel, MD | Policy
    • Why does sex work seem like a more viable path than medicine in 2026?

      Corina Fratila, MD | Physician
    • The 9 laws of health care quality: Why metrics miss the point

      Constantine Ioannou, MD | Physician
    • Politics and fear have replaced science in U.S. pain management [PODCAST]

      The Podcast by KevinMD | Podcast
    • How board certification fuels the physician shortage crisis

      Brian Hudes, MD | Physician
    • The Platinum Rule in health care: Moving beyond the Golden Rule

      Harvey Max Chochinov, MD, PhD | Conditions
  • Recent Posts

    • Finding peace by unhooking from ego and achieving a loving presence in medicine [PODCAST]

      The Podcast by KevinMD | Podcast
    • Coprolalia and Tourette syndrome: Understanding involuntary vocal tics

      Jerome Lisk, MD, MBA | Conditions
    • How medical education debt drives the physician shortage

      Michael Jerkins, MD, MEd | Finance
    • The hidden costs of diffuse accountability in medical teams

      Gus W. Krucke, MD | Physician
    • Overcoming moral injury in medicine: a Doctor’s Day reflection

      Seleipiri Akobo, MD, MPH, MBA | Physician
    • A poem of gratitude for narrative medicine on Doctor’s Day

      Michele Luckenbaugh | Conditions

Subscribe to KevinMD and never miss a story!

Get free updates delivered free to your inbox.


Find jobs at
Careers by KevinMD.com

Search thousands of physician, PA, NP, and CRNA jobs now.

Learn more

View 48 Comments >

Founded in 2004 by Kevin Pho, MD, KevinMD.com is the web’s leading platform where physicians, advanced practitioners, nurses, medical students, and patients share their insight and tell their stories.

Social

  • Like on Facebook
  • Follow on Twitter
  • Connect on Linkedin
  • Subscribe on Youtube
  • Instagram

ADVERTISEMENT

  • Most Popular

  • Past Week

    • How hindsight bias distorts clinical medicine

      Olumuyiwa Bamgbade, MD | Physician
    • Institutional distrust in health care: Why a doctor lost faith

      Joshua Mirrer, MD | Physician
    • Do no harm: Why physician burnout requires bottom-up reform

      Desiree Francis, MD | Physician
    • Independent medical practice: Why private clinics are essential

      Marcelo Hochman, MD | Physician
    • Health insurance incentives and alternatives to opioids for chronic pain

      Molly Candon, PhD and Daniel Clauw, MD | Conditions
    • Why measuring muscle mass matters more than tracking your weight [PODCAST]

      The Podcast by KevinMD | Podcast
  • Past 6 Months

    • The dangers of vertical integration in health care

      Stephanie Waggel, MD | Policy
    • Why does sex work seem like a more viable path than medicine in 2026?

      Corina Fratila, MD | Physician
    • The 9 laws of health care quality: Why metrics miss the point

      Constantine Ioannou, MD | Physician
    • Politics and fear have replaced science in U.S. pain management [PODCAST]

      The Podcast by KevinMD | Podcast
    • How board certification fuels the physician shortage crisis

      Brian Hudes, MD | Physician
    • The Platinum Rule in health care: Moving beyond the Golden Rule

      Harvey Max Chochinov, MD, PhD | Conditions
  • Recent Posts

    • Finding peace by unhooking from ego and achieving a loving presence in medicine [PODCAST]

      The Podcast by KevinMD | Podcast
    • Coprolalia and Tourette syndrome: Understanding involuntary vocal tics

      Jerome Lisk, MD, MBA | Conditions
    • How medical education debt drives the physician shortage

      Michael Jerkins, MD, MEd | Finance
    • The hidden costs of diffuse accountability in medical teams

      Gus W. Krucke, MD | Physician
    • Overcoming moral injury in medicine: a Doctor’s Day reflection

      Seleipiri Akobo, MD, MPH, MBA | Physician
    • A poem of gratitude for narrative medicine on Doctor’s Day

      Michele Luckenbaugh | Conditions

MedPage Today Professional

An Everyday Health Property Medpage Today

Copyright © 2026 KevinMD.com | Powered by Astra WordPress Theme

  • Terms of Use | Disclaimer
  • Privacy Policy
  • DMCA Policy
All Content © KevinMD, LLC
Site by Outthink Group

Can doctors ever work together with insurance companies?
48 comments

Comments are moderated before they are published. Please read the comment policy.

Loading Comments...