Here We Go Again. United Health to Deny Some Emergency Department Claims.

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Yes, there is a tiny subset of the population that heads to the Emergency Department (ED) at 2AM because they have not had a bowel movement in 5 days.

News flash.

This behavior does not reflect what most people do. Most people actually do NOT want to go to the ED at all.

Most automated messages on physician answering services state the following:

“If you are having an emergency, hang up now, and dial 911.”

So, it was particularly galling to read that United HealthCare, the largest private health insurer in the country, is going to play Monday morning quarterback and deny some claims for what they deem to be non-emergencies in the emergency department.

In the future, if one of UHC’s 70 million members submits a claim for an emergency department visit, UHC will carefully review what health problems led to the visit, the “intensity of diagnostic services performed” at the emergency department (ED), and some context for the visit, like the member’s underlying health conditions and outside circumstances. If UHC decides the medical situation didn’t constitute an emergency, it will provide “no coverage or limited coverage,” depending on the member’s specific insurance plan.

Due to massive blowback from this ill-advised policy, United HealthCare is delaying the policy’s rollout.

But, make no mistake. Winter is coming. And this comes on the heels of a year when EDs were underused for almost everything other than COVID-19.

United is asking its insureds to self-triage and get it right. Or the patient will receive an unexpected bill.

In a 2018 analysis published in JAMA Open Network, researchers found that up to 90 percent of the symptoms that prompted an adult to go to the emergency room overlapped with symptoms of nonurgent conditions, which may be denied coverage in the future. But those same symptoms could also be linked to life-threatening conditions.

Patients will now need to better identify whether their substernal chest discomfort is esophageal reflux or a myocardial infarct. Whether their red eye is run of the mill “pink eye” or a bacterial infection. Whether their headache is atypical migraine or subarachnoid hemorrhage. And on and on.

I suppose patients can use Google before heading to the hospital.

We’ve seen this playbook before.

In 2018, after Anthem announced its similar policy to its members and began denying claims, it received similar backlash and challenges. Anthem ended up effectively rolling back the policy the same year and reversed decisions when members challenged claim denials.

Let’s hope United HealthCare comes to its senses.

We’ll likely spot unicorns and Sasquatch before that happens.

What’s next?

Denial of payment if an insured fails to get prompt emergency treatment for an urgent condition? Because, as everyone knows, the problem wouldn’t have been as severe if the insured had gone to the ED pronto.

Oy.

What do you think? Let us know your thoughts in the comments below.

Medical Justice provides consultations to doctors facing medico-legal obstacles. We have solutions for doctor-patient conflicts, unwarranted demands for refunds, online defamation (patient review mischief), meritless litigation, and a gazillion other issues. We also provide counsel specific to COVID-19. If you are navigating a medico-legal obstacle, visit our booking page to schedule a consultation – or use the tool shared below.

“Can Medical Justice solve my problem?” Click here to review recent consultations…

all. Here’s a sample of typical recent consultation discussions…

  • Former employee stole patient list. Now a competitor…
  • Patient suing doctor in small claims court…
  • Just received board complaint…
  • Allegations of sexual harassment by employee…
  • Patient filed police complaint doctor inappropriately touched her…
  • DEA showed up to my office…
  • Patient “extorting” me. “Pay me or I’ll slam you online.”
  • My carrier wants me to settle. My case is fully defensible…
  • My patient is demanding an unwarranted refund…
  • How do I safely terminate doctor-patient relationship?
  • How to avoid reporting to Data Bank…
  • I want my day in court. But don’t want to risk my nest egg…
  • Hospital wants to fire me…
  • Sham peer review inappropriately limiting privileges…
  • Can I safely use stem cells in my practice?
  • Patient’s results are not what was expected…
  • Just received request for medical records from an attorney…
  • Just received notice of intent to sue…
  • Just received summons for meritless case…
  • Safely responding to negative online reviews…

We challenge you to supply us with a medico-legal obstacle we haven’t seen before. Know you are in good hands. Schedule your consultation below – or click here to visit our booking page.

 


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Jeffrey Segal, MD, JD

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Dr. Jeffrey Segal, Chief Executive Officer and Founder of Medical Justice, is a board-certified neurosurgeon. Dr. Segal is a Fellow of the American College of Surgeons; the American College of Legal Medicine; and the American Association of Neurological Surgeons. He is also a member of the North American Spine Society. In the process of conceiving, funding, developing, and growing Medical Justice, Dr. Segal has established himself as one of the country’s leading authorities on medical malpractice issues, counterclaims, and internet-based assaults on reputation.

Dr. Segal was a practicing neurosurgeon for approximately ten years, during which time he also played an active role as a participant on various state-sanctioned medical review panels designed to decrease the incidence of meritless medical malpractice cases.

Dr. Segal holds a M.D. from Baylor College of Medicine, where he also completed a neurosurgical residency. Dr. Segal served as a Spinal Surgery Fellow at The University of South Florida Medical School. He is a member of Phi Beta Kappa as well as the AOA Medical Honor Society. Dr. Segal received his B.A. from the University of Texas and graduated with a J.D. from Concord Law School with highest honors.

In 2000, he co-founded and served as CEO of DarPharma, Inc, a biotechnology company in Chapel Hill, NC, focused on the discovery and development of first-of-class pharmaceuticals for neuropsychiatric disorders.

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3 thoughts on “Here We Go Again. United Health to Deny Some Emergency Department Claims.”

  1. Maybe the triage nurses should send home all patients deemed non-emergent with outpatient follow up. If a patient is admitted to the ER, it should be justifiable. Monday morning quarterback is like hindsight is 20/20.

    The reality is that people cannot get print medical care in the US anymore. My daughter works as a pharmacy tech, and she cites people going to Walgreens for a quick curbside consult. Triple Oy. Moral? Stay healthy to the best of your ability, and avoid the ER. Walgreens is always a free consult with plenty of OTC Benadryl…

  2. Profit First and Only?

    Typical … third party behavior … dictated by folks who don’t have the capacity, or desire to do anything but increase profits and cash flow into their pockets.

    “First, do no harm” to self and others and “Do the right thing, always”?

    If the bureaucrats at United HealthCare were smart and wanted to do the right things with and for their patients/subscribers, they have many options short of withholding payment for services rendered. I suggest that they could contract with Physicians like me to provide Urgent Care Telemedicine Triage Consultations to help people get the care they want and need AND keep most people away from the hospital, ER, and ICU.
    Michael F. Mascia, MD, MPH
    Founder & President, Veritas Health Care, The NON Profit @ http://www.VeritasHC.org & Physicians Cooperative Group

  3. There was a period of time when UAB simply refused to accept any and all UHC insurance because of stuff like this. And the state of Alabama’s retiree medical insurance terminated using UHC a couple years ago. While they didn’t say that this was the reason, it’s not very hard to read between the lines.

    While medical insurance companies in general are a little short of being paragons of virtue, UHC has been an unusually bad actor for years.

    Caveat emptor.

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Jeffrey Segal, MD, JD
Chief Executive Officer & Founder

Jeffrey Segal, MD, JD is a board-certified neurosurgeon and lawyer. In the process of conceiving, funding, developing, and growing Medical Justice, Dr. Segal has established himself as one of the country's leading authorities on medical malpractice issues, counterclaims, and internet-based assaults on reputation.

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