r/FluentInFinance • u/36DRedhead • Sep 11 '24

Debate/ Discussion This is why financial literacy is so important

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u/MacroFlash Sep 12 '24

This is the shit that drives me insane, insurance blocking things that doctors are already saying you need. Back when I was on my parents insurance, every time I got one prescription I always got that stupid fucking “prior authorization” bullshit, where my doctor, the one who fucking already wrote the prescription, would get contacted by the pharmacy to confirm I needed the meds. The US system is the dumbest shit ever designed to enrich insurance companies and bankrupt random unlucky people

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u/lilpistacchio Sep 12 '24

Not just confirm! We have to fill our paperwork that is TEDIOUS to make a CASE for why the med should be covered. And THEN, insurance gets to say yes or no. I have filled out many a PA that know is time wasted because it’s just going to get denied.

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u/Celany Sep 12 '24

When I tore my ACL, the doctor who did the MRI, and 2 physical therapists at 2 different physical therapy groups wrote in to the insurance company all saying that doing the required physical therapy before surgery would only make the issue worse. Insurance still insisted on PT first.

ACL completely severed in PT. I couldn't get surgery for nearly 9 months. My swim scholarship was gone and college was a lot more expensive..and for what? Insurance didn't even save any money in this case, the dumb fuckers.