[im_down_w_otp]

This helps with the denials how exactly?

You can pay a lot of money in premiums, have a $0 deductible, and now OoP maximum, and still end up having claims denied.

[rootusrootus]

Avoid UHC and that is mitigated significantly. I’ve never had a claim denied by BCBS.

I realize some people are stuck with UHC. I’d turn down a job unless it was perfect in every other way and paid extremely well if they only had UHC plans.

[15155]

Do you think countries with even the most coveted universal healthcare just approve everything blindly?

Should everyone (anyone?) receive monoclonal antibodies, gene therapies, biologic medications? What criteria should be used to make these determinations?

[trinix912]

> Do you think countries with even the most coveted universal healthcare just approve everything blindly?

Yes. Everything that they are trained and able to do here, is covered by the national insurance, at least where I live.

We never even have to explicitly ask them to approve anything, it's all automatic. You don't see the bill.

You might have to pay the difference for "nonessential upgrades", like a plastic cast instead of a normal one when you break your arm. Had to pay 5.00 EUR for that and it was the only time I had to pay out of pocket in my entire life.

[Turskarama]

Everything? No. But routine stuff will NEVER be denied. If your doctor thinks you need a scan, you're getting the scan. I have quite literally NEVER heard of someone in my country (Australia) going bankrupt from medical bills. It can happen but the rate is so low it's not something anyone ever worries about happening to them.

[ErroneousBosh]

> Should everyone (anyone?) receive monoclonal antibodies, gene therapies, biologic medications? What criteria should be used to make these determinations?

Yes, if that's an indicated and effective treatment.

Do you think people should just be left to die if they can't pony up the dough in the hospital? Oh, your card's declined, no oncology ward for you?