Why Managed Care Hurts You
What’s the big deal about managed care? Try getting psychotherapy services from your HMO or insurance company and you’ll soon realize what the “big deal” is.
There are two major and a whole lot of minor problems with regard to how managed care hurts your ability to access timely and effective treatment. The first problem is that insurance companies, looking out for the bottom line, will seek to limit either the time or type of psychotherapeutic services offered you. The second problem is that these same companies seek to limit your choices in who you can see.
This hurts you because it is the people in little cubicles in the insurance companies and HMOs in the world who dictate to us, the doctors and therapists who have had years of experience and training, what is and is not appropriate treatment for you. It wouldn’t be so bad except that many (if not most) of those people in those little cubicles have no greater experience, education or specialized training than a college degree. Oversight at the companies is at best, minimal. This is not a doomsday or negativistic opinion — these are facts you can check with your own HMO or insurance company.
While you may have little difficulty accessing psychotherapy services (and this varies widely), you will have a very difficult time keeping them once you’ve got them. Many HMOs (especially) require reapproval of the therapy every 3 or 6 sessions. That means the clinician needs to continuously justify the treatment you are receiving. Would such a situation be tenable in a hospital or if it were a medical doctor treating you for a medical problem? Of course not, yet consumers allow the insurance companies and HMOs to dictate to them what appropriate treatment is or is not for their particular emotional difficulty.
Sometimes insurance companies think they know what is “best” for you, the consumer, even when they are wrong. For instance, it is common practice for insurance companies to demand that you not only see a psychiatrist for a major depressive disorder, but that you take an antidepressant medication for it as well as the first-line treatment for this disorder. However, as my recent article on treatment of depression illustrates, medication should really not necessarily always be the treatment of choice, much less the first (and many times, only) treatment. So why do insurance companies do this then? Hmmmm… I wonder. Could it be because they are in a business to make money, and not to look after all of your medical needs? Nah…
That is the bottom line, though. Medication costs less than psychotherapy, even if you need to take it for the rest of your life (long after the insurance company has had to pay for it). They don’t care about long-term effects or goals as they are very business-oriented and short-sighted. While psychotherapy will cost more in the short-term, it is with the understanding that most people do not stay in psychotherapy the rest of their lives for their problems and they do get better. And once a problem is taken care of in psychotherapy, the problem is likely gone, to some extent, for most people for the rest of their lives. But insurance companies ignore this.
But this is getting at the second major problem with managed care — often they do not give you, the consumer, a choice with regards to what doctors you can or cannot see.
We see this problem not only in the medical field, but especially in the mental health field. If your chosen therapist isn’t a part of their “plan,” you get to see one of “their” therapists. In a local HMO, this means that instead of seeing a psychologist, you are forced to see a therapist with no better than a social work degree (this is not meant as a dig against social work recipients). Your decisions are meaningless to this HMO; you see who they tell you to go see, for the prescribed amount of time they will allow you to go see them. (Yes, welcome to America, land of opportunity and freedom!)