Improving how we deliver healthcare in Idaho
Navigating your health insurance can get complicated fast once you move beyond deductibles and co-pays. Prior authorization, a utilization-management tool, is one of those complications. It was originally created to help insurance providers deal with high-cost, high-risk or unusual healthcare services. Prior authorization should support appropriate care, not become an obstacle to care.
Over time, its use has expanded dramatically into routine and recurring care. I understand why insurance companies needed this tool. Not every procedure works equally well in every situation. But patients shouldn’t be caught between their doctors and these companies.
In practice, improving the process means healthcare decisions come from the provider-patient relationship. Insurance companies can review and provide a safeguard against potential abuse rather than overriding reasonable medical judgment. You and your family bear the consequences when a management tool delays medically necessary treatment.
We’ve also heard repeated requests from patients for greater transparency to improve the healthcare marketplace. Patients and providers should know what requires prior authorization, what criteria are being used, and why requests are denied. Rules should be publicly available, understandable and consistently applied. Transparency improves trust and allows competition to work more effectively.
Then, there’s the time factor. Delayed care eventually becomes denied care. Prior authorization decisions should happen within predictable timeframes. Multiple requests for additional information that wasn’t required in the first place, and repeated administrative cycles create real-world consequences for patients. Urgent cases deserve urgent responses.
Once a patient and provider supply the necessary proof of medical need, patients shouldn’t need to reverify the same chronic condition every few weeks or months, unless the medical protocol indicates a patient should have completed treatment. The prior authorization process should provide meaningful certainty so patients can schedule procedures and continue treatment without fear that approvals will disappear unexpectedly.
This tool was created for a valid purpose. But over time, its use has expanded to medical care that people are told their insurance plans cover. We won’t solve the cost issues associated with healthcare by forcing patients to jump through more administrative hoops for services they’ve paid to receive every time they make a premium payment.
I know


This Week's Market Wrap: AI Memory Shock, Crude Cracks, And Data Boxes In The Fed
Millions drop Obamacare health coverage after subsidies expire and costs rise
Advisor News
- The inheritance gap: Helping clients plan for money that hasn’t arrived
- After the midterms: Addressing your clients’ tax concerns
- Berkeley arts tax heads toward passage while public bank measure looks likely to fail
- Americans’ sense of overall prosperity still ticks upward
- Turning expanded eligibility into a better coverage plan for federal clients
More Advisor NewsAnnuity News
- Annuity sales hit record $126.3B as RILA sales top $25B
- More pre-retirees rethink retirement as income-planning concerns grow
- AM Best Affirms Credit Ratings of Knighthead Annuity & Life Assurance Company and Merit Life Insurance Co.
- Jackson reports record annuity sales, increases share repurchase authorization
- Why the market doesn’t need more carriers
More Annuity NewsHealth/Employee Benefits News
- Study Results from Hospital of the University of Pennsylvania in the Area of Managed Care Reported (Ten-year Performance of the Multi-Layer Insulated Defibrillation Lead in the Medicare Population): Managed Care
- Insurance cost hikes, fewer Medicare options add to Wyomingites' healthcare struggles
- Insurance Barriers to Mental Health Care Are Breaking Down
- States push short-term insurance as healthcare costs climb
- UnitedHealthcare calls Fairview lawsuit ‘mudslinging,’ asks judge to dismiss it
More Health/Employee Benefits NewsLife Insurance News
- Samsung Fire & Marine Insurance to Acquire Outstanding Stake in Canopius with KKR and KIC
- Start estate planning before the family needs it
- Best’s Market Segment Report: Health and Property Lines of Business Drive Hong Kong’s Non-Life Insurance Growth
- AM Best Affirms Credit Ratings of Central States Indemnity Co. of Omaha and Its Subsidiary
- National Life Group Approves $23 Million Dividends for 2027
More Life Insurance News