23/02/2026
Educational Post: Patient - Clinic - Insurance Company. It’s what I call, healthcare’s “Bermuda Triangle.”
It’s true, when there is a disagreement between the clinic and insurance company, patients are caught in the middle. I am also a patient and I know exactly how it feels when a doctor provides me the opportunity to transfer care because my insurance has not lived up to their expectations or asked me to contact my insurance to discuss further.
I know I know. “Why do I have to talk to the insurance company when the problem is between my doctor and them?”
I used to think that way too, but then I thought about it. I am the one paying my premiums and I expect my insurance company to cover me, and not be a burden to my doctor who is doing her best to provide me the highest standard of care. Things like waiting for my prior authorization to be approved often delays the test I need, or failing or delay in reimbursing my clinic for the work they’ve done.
So, when there is a conflict between my insurance company and my doctor or clinic, I will call my insurance and ask what is going on? Then the insurance rep tells me one thing, “oh don’t worry, you don’t need to transfer, or something else…….,” and contradicts my doctor.
WHO SHOULD I BELIEVE???????
That is easy, if I don’t believe my doctor or clinic, then I should transfer care, because why should I trust my doctor to take care of my health, if she is lying to me about my insurance issues? No way I am not staying, I will for sure transfer and my insurance better find me an experienced qualified doctor, ultimately I depend on them to ensure they know who they have credentialed.
But the FACT is, I trust my doctor, I don’t want to transfer and my doctor really don’t want me to leave, so I usually end up advocating for myself with my health insurance company. End of the day, I appreciate my doctor for letting me know and being forthcoming.
For the last 27 years, I have had just one insurance company and that’s StayWell, so when my doctor have an issue, I speak up, I advocate, and end of the day, my doctor is still my doctor.
So be your own advocate.