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Comment by yegle | Hacker News Reader

I too had my bad interaction with my insurance company. Out of blue they start rejecting my doctor's prescription for a very common (and cheap) medication. It took me more than 1 month with my awesome primary care doctor's persistent to figure out that the 1000mg version of my medication is the reason it got rejected. My doctor has to prescribe the 500mg version and I simply take two pills.

But no communication from the insurance company told me that.

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I think every denial from an insurance company (that’s denying care prescribed by a doctor), should be required to come from a named and licensed doctor, who is responsible for your care as if they are the treating physician (and thus subject to the same medical malpractice laws).

A denial should be required to come with either an alternate treatment plan, or an alternative diagnosis and treatment plan.

If a doctor issues a denial after reviewing your case for 3 seconds (as has happened in the past), they should be liable for medical malpractice lawsuits.

In your case, that would mean the denial would be required to come with an alternative treatment plan, which would say 2x500mg.

I had a similar experience with a common, cheap medication, where my insurance started denying the prescription out of the blue. it took several weeks of back and forth with my doctor, and then a lengthy amount of time on hold with the insurance, company where the exasperated pharmacist and I were eventually told that only 15, 24, and 90 day in person pickup supplies were now covered.

my prescription was for a 30 day supply.

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