Greed on Trial: Doctors and Patients Unite to Fight Big Insurance
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About this ebook
A trial attorney recounts her fight against insurance companies who put profit before patients—and wrongfully terminate doctors who don’t comply.
In the modern world of American medicine, insurance companies call the shots. Their policies often require cutting corners on patient care in pursuit of profit. These policies often reduce the amount of time doctors spend with patients, push older and cheaper medications, and limit the number of tests and referrals doctors can order. And if doctors don’t comply, they could lose their insurance affiliations.
Despite the risks, some brave doctors choose to resist these policies—only to find themselves out of a job. That’s where attorney Theresa Barta steps in. Barta specializes in suing insurers and health-care companies who wrongfully terminate doctors. In Greed on Trial, Barta’s takes readers inside three dramatic and important cases from her files. In each story, we watch Theresa assemble her evidence and fight the scourge of insurance company abuse in the court of law.
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Greed on Trial - Theresa Barta
My Opening Statement
(How I Became a Doctors’ Lawyer)
When I was fresh out of law school, I was hired by one of those mega law firms with a thousand attorneys—the kind of firms that employ the lawyers I always see sitting across the aisle from me in courtrooms these days. It did not take me long to figure out that I belonged at the other table, so to speak—namely suing, rather than defending, large corporations that put profits ahead of people.
I did gain something precious from my experience at the suit farm, though: insight into how corporate defense attorneys (and their clients) think and into how they litigate cases. That insight has proven itself invaluable to me over the years.
Thanks to one of my law school professors, I eventually switched sides and went to work for a firm that specialized in suing insurance companies. While working there, I represented patients whose insurers refused to pay for vital medical services. This was important and satisfying work, and it taught me a great deal about plaintiff-side law, but something interesting happened during my tenure at this firm. I began to notice that in almost every case, I worked closely with doctors as well as patients. That was because it was ultimately the doctors who were not being paid by the insurers.
While working those cases, I realized that doctors themselves were in need of their own advocate. There were plenty of attorneys representing patients, but few standing up for the doctors, who often were victimized by Big Insurance as badly as their patients were.
Eighteen years ago, I started my own law practice and became a physicians’ advocate. Since that time, I’ve represented hundreds of doctors and sued every large insurance company you can think of, as well as many other corporate players in the health-care arena. And thus far—knock on wood—I’ve been quite successful. My clients have ranged from primary care doctors to specialists of every stripe.
Doctors face many daunting issues with insurers these days, but a common scenario is this: A physician working for a medical group is told to follow some new treatment policy—for example, to prescribe cheaper medications or to double-book patients—so that his or her employer or insurer can save money. The physician, believing the new initiative is not good for patient care, resists the policy, and is then fired and/or blacklisted
so that he or she can no longer accept insurance.
This scenario occurs with alarming frequency, but most people are not aware of it. Most doctors play ball with the new corporate medical policies because they think they have to—because they think Big Insurance truly is king. When I tell physicians about my practice of suing the large health-care corporations, they say, I had no idea there were laws that protected us doctors.
There’s a lot of misleading and false information out there.
That is why I have written this book. I want doctors to know that they can stand up and fight back against the big insurers and medical management companies—and that they can win. (One further thing I’ve learned from the cases I’ve tried is that jurors are typically appalled when they find out what insurance companies are doing to doctors these days.)
So beyond just empowering doctors, I also want patients—and we’re all patients at one time or another—to know the kinds of pressures their doctors are under. There’s a tendency to blame doctors for the health-care crisis
we’re in, because doctors are the frontline people we see and deal with every day. But that’s blaming the covictim. It’s my experience that most doctors are good, caring, and conscientious professionals who would love to provide the best care possible for their patients, if only they could. But their hands are often tied by policies that are designed to deny and reduce care for patients so that insurers and management companies can increase their profits. I believe that the more patients know about the inner workings of insurance companies and large health-care organizations, the better armed
they can be as consumers and advocates.
The way I’ve decided to present my case
to you is not to lecture on what’s wrong with our health-care system but rather to tell you three true-life
stories. I think a human face is the best way to bring to life the kinds of tragedies that befall real patients and doctors in this brave new world of health-care management by insurance company. The stories you’re going to read here are pulled right from my own files. The names and some of the details have been changed, but the cases are largely real. (See the author’s note on page vii .)
For each of the three cases, I’ll first share the story of a patient and a doctor whose lives and practices spiraled out of control because of arbitrary health-care decisions made by out-of-touch corporate employees. Then I’ll show you what happened when I began working the case and making efforts to find the real guilty parties. Finally, we’ll take a look at each of the trials and how they turned out for my clients.
As you read these stories, you may find yourself nodding with new understanding and saying, Ah, so that’s why my health-care provider suddenly switched my medication,
or That’s why my doctor’s office is always so crowded
—or, if you’re a doctor, So that’s why my insurance company terminated me.
If that kind of recognition dawns, this book will have succeeded. My hope is that, whether you are a doctor or a patient, you will come away from reading this book with a better understanding of how modern health care is being managed
in ways that serve the bottom line rather than public health. But more than this, I hope you will come away with a sense of empowerment. Because here’s the great news: you can challenge the system . . . and you can win.
PART I
A Psychiatrist’s Tale
Doctor and Patient
Dr. Stephen Han read the sentence a third time, sure he had misread it the first two. The purpose of this letter is to inform you that your employment with Newton Physicians Group (NPG) will be terminated, effective August 15.
No, he had not misread it. He was being fired. Fired? For the first time in his life? At fifty-eight years of age? Even though he knew he had done nothing wrong,
he felt a sting of shame followed immediately by anger. He needed to walk this off.
"I’ll be back in a bit," he told Denise, his receptionist, and shoved open the glass doors of the NPG medical building, a bit more roughly than he had intended. As he strode through the parking lot toward the walkway along the river, he tried to make sense of the shocking news.
Up until the moment he’d read that letter, he had thought he was a valued member of the NPG team and that any issues he had with the administration were minor. As the main psychiatrist on staff at the medical group, he had maintained a busy practice since coming aboard, and he was well liked by patients and staff alike.
Dr. Han had been hired by NPG eighteen months earlier as a staff physician.
He was fifty-six at the time and had been practicing psychiatry for twenty-five years. For many years before that, he had run his own practice with a partner, but when his partner died, Stephen decided to focus solely on treating patients. The NPG staff opportunity was perfect for him. He took a cut in pay, but he gained the stability of a predictable salary and lost the stress of running a business.
Dr. Han had always been a patient-centric
psychiatrist. His primary focus was on the mental health of his patients, not on making money. His position at NPG gave him the freedom to practice as he saw fit without having to worry about business concerns. For example, he saw several patients from low-income and vulnerable populations on a pro bono basis. The arrangement with NPG had been a mutually positive one.
At least for the first year.
Things had started to change when NPG went into business with a new management company called First Choice. The First Choice administrators implemented a Drug Cost Savings Plan
and hired a pharmacology PhD named Jim Hirsch to oversee the program. The purpose of the plan—and of the hiring of Hirsch—was to save money on drug costs by reducing utilizations
by NPG physicians.
But save money for whom? Was this arrangement truly in the patients’ best interest? Steve was not shy about asking such questions.
After Hirsch came on board, the parade of memos started. In retrospect, maybe Steve should have taken them more seriously. But they seemed so patently absurd that he assumed they wouldn’t gain any traction amongst his fellow doctors.
The first memo had been a general one aimed at all NPG physicians. It called for all patients who were currently taking certain name-brand medications to be switched immediately to lower priced, preapproved generic medications.
Dr. Han tossed the memo into the circular file. You don’t just switch
medications on psychiatric patients; every doctor knew that. Furthermore, he didn’t think administrators had any business telling doctors how to treat their patients. So he went on prescribing medication as he had before, using good medical judgment and his patients’ needs as his guidelines.
The next memo that came across Steve’s desk was addressed to him personally. Its tone was noticeably less cordial than the last one.
That second memo, Steve now understood, was the start of his real trouble . . .
Great, thought Karina as she stepped into the waiting area, a mob scene. She always felt a bit uncomfortable waiting for her appointment—she didn’t like advertising herself as a psychiatric patient—and on crowded days like today, she felt as if the eyes of the world were upon her.
I have a one o’clock with Dr. Han,
she told the receptionist.
Dr. Han isn’t in today. You’ll be seeing Dr. Peters.
Excuse me?
said Karina, sure the receptionist had misspoken. Who is Dr. Peters?
The doctor you’ll be seeing today.
Gosh, thanks for clarifying that, thought Karina. There must be some mistake. I’ve been Dr. Han’s patient for over three years, and I’ve never seen anyone but him.
Dr. Han is not in today,
repeated the receptionist, with a smile that did not extend to her eyes. Would you please have a seat?
Karina sighed and made her way to a freshly vacated chair, snatching up a six-month-old issue of People magazine. This is ridiculous, she thought. You don’t just substitute one psychiatrist for another. Psychiatry is not a generic service, like an oil change. Karina had an excellent therapeutic relationship with Dr. Han. She didn’t want to see some random person who didn’t even know her.
But, of course, she did need to have her meds refilled. And that wasn’t going to happen unless a doctor wrote her a prescription. So she was stuck.
She could feel herself winding up,
getting anxious. Then she remembered a calming meditative technique Dr. Han had taught her, and she put it to work. A minute later, she felt relaxed again. Thank you, Dr. Han.
For so many things.
She thought back on her time with the doctor, who had, in many ways, saved her life.
Dr. Han had started seeing her toward the end of her first year of college. She’d had a rough freshman year, as many students do. Dr. Han had stepped in and recognized her symptoms as something more than just the adjustment blues.
He diagnosed her with anxiety and depression stemming from an underlying bipolar disorder.
Finding the right medication had been tricky. Dr. Han had led her through a slow, safe process of trial and error. Finally, they’d found the right combination of meds at the right dosages. And Karina had found stability.
Precious stability.
Only those who’ve lost it know how precious it is.
Karina got her grades under control, completed her next three years of college, and now had her first real
job as assistant to the PR director of a consulting firm.
The one constant through all of this had been her relationship with Dr. Han. Unlike many psychiatrists, Dr. Han spent time with his patients, talking about their lives and struggles, their families, their dreams. And so, when he joined NPG, she’d followed him to his new office. He was her rock.
And now NPG suddenly wanted her to see someone else?
Not going to happen, thought Karina, feeling a sudden surge of rage at the idea. She stood up and stormed out the door.
It has come to our attention, read the second memo to Dr. Steve Han, that you are prescribing Prozac to several patients. A memo was sent to all physicians in May stipulating that patients be switched to Paxil. We will make an appointment (mandatory) with you to go over the First Choice formulary in the near future. The memo was signed by Dr. Jim Hirsch and Dr. Adam Wright, Medical Director.
Now Steve’s hackles really went up. He knew how harmful it could be to prescribe only one medication, generically, for all patients, without regard to their specific medical and psychiatric needs. The phrase one size fits all,
he knew, did not apply when it came to prescribing psychiatric medicine.
In Dr. Han’s mind, to prescribe a medication on the basis of cost rather than individual medical criteria came dangerously close to malpractice. And so, even after receiving the second memo, he continued to prescribe medication according to his medical judgment and to dodge the administration’s attempt to set up a meeting.
This did not fly well in the back office.
At the next physicians’ monthly meeting, an unhappy Jim Hirsch announced, A few physicians continue to prescribe in a manner that places First Choice in a negative fiscal position.
Looking only at Steve, he added, "From now on, if a physician prescribes a nonpreferred drug, the physician will pay the difference between the cost of the nonpreferred drug and the cost of the preferred drug."
What? Steve had never heard of such a thing in all of his medical career. He glared at Hirsch and was about to say something sarcastic but decided it might be wiser to bite his tongue. He quietly went back to his practice, kept doing what he had always done, and hoped the problem would go away.
A few days later, Steve received another memo, this one from the medical director. It was a spreadsheet showing that Steve’s prescribing pattern was noticeably pricier than all the other NPG and First Choice doctors. The message, though unstated, was clear: We’re watching you, and we don’t like what we’re seeing. Notice how the other doctors are complying.
What Steve wanted to point out was that most of the other doctors were not psychiatrists. The world of psychiatric medication was a delicate and complex one. You had to factor in things like human emotions, thought patterns, relationships, and psychological safety levels. Finding the right medication, or combo of meds, at the right dosage(s) was often the result of much trial and error. Changing to a new medication could cause, at minimum, discomfort for the patient, but it could also trigger major crises, such as psychotic episodes and even suicide attempts. He tried repeatedly to point this out to the administration, but his pleas fell on deaf ears. The mandate stood as written.
A week or two after the physicians’ meeting, Steve stepped into the staff lunchroom, where Dr. Patel, a staff neurologist, took him aside and whispered, Steve, have you seen this? Things have reached a new low.
She slipped him an internal memo that made his jaw drop.
First Choice’s next planned policy was nothing short of a declaration of war against NPG’s doctors and their patients.
A few days after storming out of the waiting room, Karina regretted having behaved so impulsively. She was still angry at the NPG staff for scheduling her with a psychiatrist who didn’t know her from Emma Watson, but she was out of medication. One thing Dr. Han had drilled into her head was how important it was to stay consistent with her psychiatric meds and to never skip a day.
Swallowing her pride, she called the medical group and asked if she could schedule a new appointment with Dr. Han, ASAP.
Dr. Han is retired and no longer seeing patients,
the receptionist on the phone told her in a blasé manner. Would you like to see someone else?
Karina didn’t hear the question. She was too stunned. Her heart was pounding in double time. She felt as if the floor was spinning under her feet. How could this be? She had always thought of Dr. Han as family. She couldn’t believe he would just stop practicing without telling her. It seemed completely out of character for him.
And didn’t physicians have an ethical duty to not abandon their patients?
It had taken her years to develop the working relationship she enjoyed with Dr. Han. Who was she going to see now?
With nowhere else to turn, she called NPG back the next day and asked for an appointment with a new psychiatrist. The receptionist put Karina on hold, treating her to an instrumental version of Wichita Lineman
that seemed designed to ensure any caller who wasn’t already suicidal quickly became so.
A staffer finally came on the line and explained to Karina, You’ll be seeing Dr. Abel, one of our PCPs.
A primary care physician? Why? wondered Karina. She’d been seeing a psychiatrist for years.
Unfortunately,
continued the staffer, because you’ll be classified as a new patient, it’s going to take a while to schedule that appointment.
But I’m not a new patient,
Karina protested.
NPG’s policy is that stable and returning patients are graduated back to the PCP team. And when you’re first scheduled with a PCP, you are treated as a new patient.
But I’ve been coming here for years,
Karina insisted.
Well, because your treatment was terminated and you are requesting it be restarted, you are technically a returning patient.
"I didn’t leave the practice; my doctor did," Karina tried to argue, but they just went around in circles. The bottom line was that she would have to accept either an appointment with the PCP or nothing at all.
"The closest appointment time we