Short Sighted Decision Making of Insurance Companies Regarding Migraine Treatments
As many of us living with chronic migraines know well, if your doctor suggests a medication or treatment that is more expensive than most, your insurance company can almost always be counted on to make a fuss about paying for it.
Considering that most insurance companies are for profit corporations, cost obviously is part of what they consider in deciding whether to cover a treatment or procedure. However, it seems incredibly sort sighted to me when an insurance company refuses to cover a potentially life-changing procedure like Botox injections for a patient with chronic migraines.
People with chronic migraines can be expensive patients to cover, but if a sometimes slightly more expensive preventive medication or treatment like Botox injections is effective in reducing the frequency and intensity of their attacks, ultimately the insurance company will spend less money on that patient. The patient will be much less likely to need expensive visits to the emergency room for treatment of unrelenting migraine attacks and will use less of their at home treatment medications.
Not only that, but we pay our premiums just like everyone else, including many patients who barely cost the insurance company anything. Considering that not very many patients are as expensive to insurance as we can be, doesn't it all kind of balance out.
Why does it seem like it's so hard for insurance companies to see the big picture when they're making decisions about whether to cover a treatment or procedure? I guess what they really want are patients who make them money and we just get in the way of that.
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