Interesting and shameless recent patient interaction. He comes in once a year, maybe. The last visit was 18 months ago, because "I don't like paying the $35 copay". This patient has a $0 cost (to him), Medicare Advantage plan with a company currently embroiled in a merger deal with another big five company. I say, "well, I don't like working for free". He says his INSURANCE agent (who gets a commission for every policy sign-up) told him to "tell the doctor to send in the claim as a prevention visit and it would be covered 100%". I told him to go to his agent for his future medical care, and I was only half joking.
Where to begin?
Doctor comes from the latin word, docere, meaning "to teach". I teach prevention at every visit. As a dermatologist, it boils down to the basics that everyone hears all day--stay out of the sun, wear sunscreen, stay hydrated, moisturize. We're not talking about a 30 year old coming in for a check up and wants to know how to take care of herself. We're dealing with an 88 year old man with a history of dozens of basal cell skin cancers, squamous cell skin cancers, many Mohs surgeries, a chart rife with biopsy report after biopsy report.
I am an end of the line specialist for this patient, firmly in the realm of management and treatment for skin cancer. Referrals get made annually for him for Mohs surgery for those skin cancers that are too aggressive, irregular, located in tough spots such as the eyelids. Every visit for the past decade involves a diagnosis and a treatment. Preventative advice is freely given, and never followed. This is the same patient who told me 4 years ago he would sit in the Florida sun for 30 mins every day so he would get his vitaminD. This is on the same day I excise a basal cell skin cancer from his face. After telling myself to stay calm, I advise him that it's a bad idea to sit baking in the FL sun, with his Caucasian-white and terribly sun ravaged skin. Broken bones resulting from low levels of vitamin D can be prevented by taking a daily vitamin. There's no such remedy for skin cancer. The damage was done decades ago, when he was self professed sun worshipper, visiting FL from the northeast where he would come down and get sunburnt, then go home and show off his tan. ***eyeroll***
We are long past the point of submission of "prevention visits" for this patient. We are in the business of keeping him alive and well and not letting him succumb and suffer from readily treated skin cancers. We are also not in the business of following the exhortations from a salesman. Borderline fraudulent, the falsehood perpetrated by this agent feeds into the whole gestalt in our culture right now, "I need to get something for nothing". This isn't possible. If I don't collect the copay, I lose money, and on a grander scale, I may need to close my practice if I take a 15% fee cut across the board from all my patients with a copay. Then where would we be? No doctor, no help, increased morbidity and mortality in a community. All from an agent who thinks he can help us all "game the system" by getting something for nothing. I'm not going to justify my business costs, nor defend my ability to stay in business, by allowing a bottom feeding salesman piece of trash to tell a patient to tell me what to do, and how.
To add insult to the injury, medical records are often audited by this same company's "provider payment integrity department", and if the record doesn't fit congruently with the medical claim, recoupment of payment is initiated. No recourse, no contest. The money is garnished from future earnings or sent to a collections agency, and a blemish on your financial record forever. So you see, I'm on the hook after the payment is made to me, by the insurance company, for my integrity and honesty --or I sink like the Titanic.
This story hasn't ended. I am waiting for the call from his agent. I can't wait for it, actually, it's going to be soooo fun to deal with this one.
Clear Stream
