Prescription Drugs Are Dictated By Your Health Insurance Company

When it comes to prescription drugs you may be that your course of treatment is being dictated by your doctor when in fact your health insurance company actually has a greater say in the drugs that may or may not be dispensed to you. Insurance companies don't know you and they don't have a medical degree but somehow, they seem to believe that they have the right to dictate your course of treatment and unfortunately this actually is a true statement.

Many people are disillusioned when it comes to their health care plan of care and they simply believe that the treatment that is being lain out by their medical doctor is solely about what is the best course of action for them when in fact most of what your medical doctor is laying out for you as an acceptable treatment package actually has to do with what your health insurance company will and won't approve. Most doctors will consult with your health insurance plan before offering up suggestions as to a course of treatment.

Usually a doctor will not tell you that the course of treatment being suggested is what the health insurance company has approved. However, there are other doctors that do let their patients know why the prescribed treatment is being suggested.

As with most everything aspect of life, those with the most money generally get their way first. This is especially true in the medical field and the role and influence that big deep pocketed drug companies play in the options presented to the patients via the doctor. It might be that there are several very good options available, but because of the cost of the medical care, the health insurance company will blatantly discourage these options from being part of the options list made available to the patient.

When it comes to health insurance coverage there is quite a bit of control given to health insurance companies to dictate the treatment of their insured parties and this quite frankly shouldn't be. Your health insurance company doesn't examine you and doesn't have a medical degree. As a matter of fact they wouldn't even recognize you if you walked through the door. So why is it that they have the right to pick and choose the treatments that are right for you?

The answer is simple. Your health insurance company is a business and one in which they want to limit their liability and decrease the amount they have to pay out of pocket. It is important to realize that all their decisions are made from a business perspective and not one that has anything to do with what is best for you or your health.