
"...how many deaths will it take 'til we know that too many people have died."
Blowin' in the Wind, Bob Dylan
Three years ago, my daughter had a liver transplant after an intense battle with hepatoblastoma, a rare form of liver cancer. Thankfully, she is doing very well today as a happy and headstrong six year-old. Many others, however, have not been so lucky. It was with great interest and sadness that I read this week about the teen age girl who died after her insurance company denied her a liver transplant. Not that it will ease their pain, but the family is suing the company and attempting to bring charges of manslaughter or murder for the delay caused by bureaucratic red-tape and the desire to save a few bucks. Okay a lot of bucks. Liver transplants don't come cheap, but that pales in comparison to the cost this family now has to bear.
I must say that, in Canada, we are extrordinarily lucky. Expense was not raised as an issue once during Maryn's journey. We received excellent care within the health care system and incredible generosity from those who supported us. We have watched others in the same situation have to fight for everything, a burden that should not be borne by those already pushed to their limits by the illness of their child.
Beyond the emotional responses of anger and sadness, the process at work in this story interests me - as it should all of us. From the article:
"Doctors at UCLA determined she needed a transplant and sent a letter to Cigna Corp.’s Cigna HealthCare on Dec. 11. The Philadelphia-based health insurance company denied payment for the transplant, saying the procedure was experimental and outside the scope of coverage...The insurer reversed the decision Thursday as about 150 teenagers and nurses rallied outside of its office. But Nataline died hours later."
I guess some credit is due for reversing their intitial decision, but the company first cited lack of medical evidence that the transplant would work in Nataline's case as their justification.
I want to highlight two very important issues here:
(1) It is the payer who holds the power in determining health care received - overruling the determination of the medical professionals involved in the care. Insurance companies, of course, have their own medical consultants, but they have little to no direct contact with the patient and their mandate is questionable in light of the profit motive.
(2) Medical evidence for many procedures is woefully inadequate. There's a saying that absence of evidence is not evidence of absence. Now I am all for medical research, but it is difficult to keep up with the emerging possibilities. In my own daughter's case, the stats certainly did not look promising. But when it comes to judging the value of a human life, perhaps it is worth experimenting.
Although it is nowhere close to the same scale, I see similar dynamics in my practice every day. More and more, it is the courts who will decide what is "reasonable and necessary" for a given individual. As health care dollars become more scarce, even as insurers coffers grow, understanding and fighting for your right to care becomes increasingly important. If not, you could become one too many.