Skip to content
  • About
  • Contact
  • Contribute
  • Book
  • Careers
  • Podcast
  • Recommended
  • Speaking
  • 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

Insurance denied her a voice, but this doctor wouldn’t back down

Neil Baum, MD
Conditions
January 15, 2025
Share
Tweet
Share

Our nation and the health care industry have been in shock following the assassination of the CEO of one of the largest insurance companies in the U.S. The brazen killing of Brian Thompson and the suspected shooter Luigi Mangione has captured America’s attention. The assassination has focused public outrage toward the health care insurance industry and revealed a lack of empathy for the victim and his family. A recent survey showed that 41 percent of those aged 18–29 felt the killing was “acceptable.” It is noteworthy that the stock price for UnitedHealthcare has taken a dive following the assassination.

There are many occasions when an insurance company puts the doctor in the middle of a coverage issue between the patient and the company. Insurance companies are motivated to keep down costs and often deny coverage for medications, services, treatments, or durable medical equipment (DME). At present, there is no evidence that the assassin was insured by United Health Care or was denied coverage for his medical problems.

While this recent event has polarized our nation, I want to share one of my successful experiences as an advocate for my patient.

Melissa—that’s her real name, and her name is used with her permission—was a quadriplegic patient from birth due to cerebral palsy. She could not use her voice and could only make unintelligible sounds understood only by her parents and close friends. She wanted to attend public high school but could not communicate with her teacher or classmates. With public funds, she received a voice synthesizer (VS). The device allowed her to control a computer program with her mouth, selecting words that became audible and even digitized for homework and other assignments. Melissa learned to use the VS well and graduated with honors in her class.

Upon graduation, Melissa’s parents requested that she be allowed to keep the VS program so she might attend college. The school board met and denied the request, comparing the VS to a football helmet used by a player while on the team, which could not be given to players upon graduation. The VS would not be used by any other student and would remain in the school’s closet, gathering dust and eventually being discarded. Despite this, the school refused to grant her the use of the VS after graduation.

I suggested that her family request a VS device from the family’s insurance company, which cost about $10,000. The medical director of the insurance company denied the request. I contacted the medical director to request an explanation. He told me that the VS was a “creature comfort” and that the insurance company would not pay for it. I wrote a letter on behalf of Melissa to the medical director, copying Melissa’s father’s employer, UPS, and requesting an appeal.

I could not attend the hearing—this was long before Zoom meetings—but I joined a conference call with Melissa’s parents and the insurance company’s medical director. He explained that Melissa was born without a voice; therefore, it wasn’t the insurance company’s responsibility to provide her with a voice she didn’t have at birth. He further stated that replacing her voice was not part of their UPS contract and compared the situation to a child born without a leg, for whom a prosthesis would not be provided unless the leg was lost after birth.

This response infuriated both the parents and me. Melissa’s father, fearful of causing a problem with his employer, hesitated to pursue the matter and considered taking out a bank loan to buy the VS so Melissa could attend college. With the family’s permission, I decided to advocate for Melissa.

I wrote to the state insurance commissioner where Melissa lived, with copies sent to the employer and the medical director. I also contacted the family’s U.S. congressman and senators, asking for their intervention. Additionally, I wrote to 60 Minutes, offering Melissa and her family’s story to expose the insurance company and employer on national television. A copy of this letter was sent to the medical director and the employer.

One senator responded by sending a letter to the state insurance commissioner and the medical director, requesting a better explanation for the denial. Within a week, I received a letter from the medical director authorizing the VS.

Melissa received a new VS and was able to attend college. She is now an author working on a book about living with cerebral palsy, which includes a chapter on how she regained her voice.

Advocating for my patients was one of the highlights of my medical career. There are many instances when we face rejection from insurance carriers, denying treatments or devices that restore health, prevent hospitalizations, and even give patients their voices back.

Certainly, I cannot advocate for every patient with insurance issues. Still, I can tackle the most egregious rejections and serve as an advocate. I can share that there is nothing in medicine more satisfying than standing up for your patient when the insurance company prioritizes its bottom line over the patient’s health care and well-being.

ADVERTISEMENT

I agree that the American health care system is ailing and needs major reform to address pain points, including dissatisfaction among patients and physicians with the insurance industry. My take-home message is that we don’t have to resort to violence to fix the system. We can move toward a fairer, more efficient model that focuses on the patient, ensuring all Americans have access to high-quality, affordable health care.

Neil Baum is a urologist.

Prev

The emotional toll of empathy in emergency medicine

January 15, 2025 Kevin 1
…
Next

Breaking the emotional flatline: Reclaiming empathy in medicine [PODCAST]

January 15, 2025 Kevin 0
…

Tagged as: Neurology

Post navigation

< Previous Post
The emotional toll of empathy in emergency medicine
Next Post >
Breaking the emotional flatline: Reclaiming empathy in medicine [PODCAST]

ADVERTISEMENT

ADVERTISEMENT

ADVERTISEMENT

More by Neil Baum, MD

  • How the 10th Apple Effect is stealing your joy in medicine

    Neil Baum, MD
  • The hidden chains holding doctors back

    Neil Baum, MD
  • Boost patient satisfaction with the power of fragrance

    Neil Baum, MD

Related Posts

  • Osler and the doctor-patient relationship

    Leonard Wang
  • COVID-19 shows why we need health insurance

    Jingyi Liu, MD
  • High deductible health insurance is bankrupting Americans

    Ben Aiken, MD
  • Health insurance in this country leaves a lot to be desired

    Ton La, Jr., MD, JD
  • Open enrollment: It’s time to leave your insurance plan behind

    Andy Schoonover
  • Make your health insurance broker a translator, not a shopper

    Rushi Nagalla

More in Conditions

  • Why local cardiac CT scans could save your life

    Benjamin Cohen, MD
  • How proposed NIH budget cuts could derail Alzheimer’s research

    Tamer Hage, Tejas Sekhar, and Swapna Vaja
  • A spoonful of vinegar: Why simple glucose hacks deserve more medical attention

    Callia Georgoulis
  • Living through injury: one family’s journey to the other side

    Sarah White, APRN
  • Why congenital CMV should be on every parent and doctor’s radar

    Kathleen Muldoon, PhD
  • What the world must learn from the life and death of Hind Rajab

    Saba Qaiser, RN
  • Most Popular

  • Past Week

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • What the world must learn from the life and death of Hind Rajab

      Saba Qaiser, RN | Conditions
    • How medical culture hides burnout in plain sight

      Marco Benítez | Conditions
    • Why flashy AI tools won’t fix health care without real infrastructure

      David Carmouche, MD | Tech
    • How the 10th Apple Effect is stealing your joy in medicine

      Neil Baum, MD | Physician
    • Why Medicaid cuts should alarm every doctor

      Ilan Shapiro, MD | Policy
  • Past 6 Months

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • Make cognitive testing as routine as a blood pressure check

      Joshua Baker and James Jackson, PsyD | Conditions
    • The silent toll of ICE raids on U.S. patient care

      Carlin Lockwood | Policy
    • The broken health care system doesn’t have to break you

      Jessie Mahoney, MD | Physician
    • How dismantling DEI endangers the future of medical care

      Shashank Madhu and Christian Tallo | Education
    • How scales of justice saved a doctor-patient relationship

      Neil Baum, MD | Physician
  • Recent Posts

    • Why local cardiac CT scans could save your life

      Benjamin Cohen, MD | Conditions
    • Reassessing the impact of CDC’s opioid guidelines on chronic pain care [PODCAST]

      The Podcast by KevinMD | Podcast
    • Key strategies for smooth EHR transitions in health care

      Sandra Johnson | Tech
    • How proposed NIH budget cuts could derail Alzheimer’s research

      Tamer Hage, Tejas Sekhar, and Swapna Vaja | Conditions
    • Removing vaccine advisers could jeopardize lives

      J. Leonard Lichtenfeld, MD | Physician
    • Why Medicaid cuts should alarm every doctor

      Ilan Shapiro, MD | Policy

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

Leave a Comment

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

ADVERTISEMENT

ADVERTISEMENT

ADVERTISEMENT

  • Most Popular

  • Past Week

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • What the world must learn from the life and death of Hind Rajab

      Saba Qaiser, RN | Conditions
    • How medical culture hides burnout in plain sight

      Marco Benítez | Conditions
    • Why flashy AI tools won’t fix health care without real infrastructure

      David Carmouche, MD | Tech
    • How the 10th Apple Effect is stealing your joy in medicine

      Neil Baum, MD | Physician
    • Why Medicaid cuts should alarm every doctor

      Ilan Shapiro, MD | Policy
  • Past 6 Months

    • Why tracking cognitive load could save doctors and patients

      Hiba Fatima Hamid | Education
    • Make cognitive testing as routine as a blood pressure check

      Joshua Baker and James Jackson, PsyD | Conditions
    • The silent toll of ICE raids on U.S. patient care

      Carlin Lockwood | Policy
    • The broken health care system doesn’t have to break you

      Jessie Mahoney, MD | Physician
    • How dismantling DEI endangers the future of medical care

      Shashank Madhu and Christian Tallo | Education
    • How scales of justice saved a doctor-patient relationship

      Neil Baum, MD | Physician
  • Recent Posts

    • Why local cardiac CT scans could save your life

      Benjamin Cohen, MD | Conditions
    • Reassessing the impact of CDC’s opioid guidelines on chronic pain care [PODCAST]

      The Podcast by KevinMD | Podcast
    • Key strategies for smooth EHR transitions in health care

      Sandra Johnson | Tech
    • How proposed NIH budget cuts could derail Alzheimer’s research

      Tamer Hage, Tejas Sekhar, and Swapna Vaja | Conditions
    • Removing vaccine advisers could jeopardize lives

      J. Leonard Lichtenfeld, MD | Physician
    • Why Medicaid cuts should alarm every doctor

      Ilan Shapiro, MD | Policy

MedPage Today Professional

An Everyday Health Property Medpage Today
  • Terms of Use | Disclaimer
  • Privacy Policy
  • DMCA Policy
All Content © KevinMD, LLC
Site by Outthink Group

Leave a Comment

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

Loading Comments...