On November 1, 2015, I divested myself from all commercial insurance and became an “out-of-network” physician. The reasons were many, but the final deciding factor was the threat of financial harm to my patients with a “punitive brand name drug charge” versus the “appropriate brand name drug charge” unless I sent a form attesting that I had tried two generics that then failed in my covered glaucoma patients. This insurance company was using payment for services as a means of controlling my professional behavior without any of the risk or responsibility for the patient’s outcome!
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