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PROFESSION

Considering costs and coverage in treatment

Ethics Forum. July 5, 2004.

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Scenario: What approaches promote your patients' best interests?

How do you discuss diagnosis and treatment options with patients without knowing what medical services their insurance plans cover, what they can afford, what specialists are in their network, etc?

Reply:

"The art of necessities is strange, That can make vile things precious." -- William Shakespeare, "King Lear"

Complexity can be trying, but also an inviting challenge. Physicians eagerly take on complicated medical problems of their patients. Nonmedical complications of the clinical encounter, such as coverage and paperwork issues, however, are increasingly frustrating. They can be detrimental to strong patient-physician relationships of trust and to the good care we want to provide.

Regardless of financial arrangements or the health care setting, promoting the best interests of the patient must be the physician's primary commitment. Easier said than done? Unfortunately, the plethora of health plans and variations in coverage makes it seem so.

Suppose the best medication for a particular patient is one that is not covered or that she cannot afford. Should she know that and raise the issue with the physician during the office visit? "Well, doctor, I understand, but I don't think my plan covers drug X." Or would she find out at the pharmacy after she has left the office, leading her to ask, "What do you mean my plan doesn't cover drug X? That's what my doctor says I must have."

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