Why Obamacare and Government is to Blame For Soaring Health Care Claim Denials

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Soaring health care claim denials and cumbersome preapprovals stem from the Obamacare law that forced insurers into unsustainable coverage arrangements.

Key Facts:

– Before 2013 ACA regulations, insurers denied about 1.5% of claims; post-ACA, denial rates jumped to around 15%.
– Some insurers deny over one-third of claims, creating widespread delays and denials of needed care.
– Doctors must often consult insurer representatives with no expertise in the relevant condition or treatment.
– The government required equal pricing for people with costly conditions, but provided no extra funds to offset high costs.

The Rest of The Story:

Insurers, facing a wave of expensive claims from the ACA’s promise to cover everyone equally, began cutting costs through denials and stricter prior authorization rules.

Patients with serious health issues have been hit the hardest, sometimes losing precious treatment time.

Policymakers touted “affordable” coverage for all, yet the actual results included stricter managed care and fear of denied treatments.

While some states are now passing laws to rein in preapprovals, the underlying cost and coverage dilemma remains.

Commentary:

Obamacare laid the groundwork for many of today’s healthcare problems.

By mandating coverage for preexisting conditions with no realistic funding mechanism, it forced insurers to squeeze costs at patients’ expense.

Repealing Obamacare is the first step in returning choice and value to the healthcare system.

Common-sense legislation that truly focuses on improving health outcomes, rather than expanding government oversight, should replace the current broken model.

The Bottom Line:

Political promises turned coverage into a costly maze of denials and delays.

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