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>Insurance gates these but could do so with their own tech rather than relying on the third party. Could help with keeping loss ratios at the minimum. I work i
by antasvara 1y ago
>Insurance gates these but could do so with their own tech rather than relying on the third party. Could help with keeping loss ratios at the minimum.
I work in insurance. In my experience, the fact that you have to go to the doctor for a referral discourages people from getting said referral.
So the tradeoff is that you would get fewer referral-specific visits (i.e. person going to their GP to get a specialist referral) at the likely expense of more specialist visits.
- pyuser583 1y agoStrange, I have conditions that require specialists, including a very rare type of specialty. Never had a problem just calling them up and making an appointment. Insurance never cared either.
- radlad 1y agoDifferent insurance plans have different restrictions. A PPO typically requires a referral while an HDHP does not.
- pyuser583 1y agoI always use PPOs. Never had a problem. In all fairness, I’ve been seen similar specialists for a while. That might make the situation different. “Continuing care.”