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¿Por qué debemos permitir que las compañías de seguros ejerzan la medicina?

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| Frank R. Kearney

Las compañías de seguros no deberían decidir sobre su tratamiento médico.

No podríamos estar más de acuerdo. Cualquier persona razonable puede ver que si un médico prescribe un tratamiento, a menos que pueda demostrarse que ese tratamiento no es razonable, entonces la compañía de seguros debe autorizarlo. Pero la carga de la prueba debe recaer en la compañía de seguros, no en el paciente ni en el médico que lo prescribe.

Es cierto que hay personas fraudulentas que intentan conseguir medicamentos con receta y médicos caprichosos que recetan en exceso o son corruptos. Pero creemos que no es la norma. Deben existir parámetros claros que impidan que una persona reciba un determinado tipo de tratamiento, y seguramente no deben decidirlo revisiones de utilización o exámenes médicos "independientes".

Debido a las leyes locas como ERISA, las compañías de seguros tienen demasiado poder cuando se trata de autorizar su tratamiento médico y el pago de su reclamo. Con una legislación tan sesgada a favor de las compañías de seguros, los reclamantes que tienen una reclamación de incapacidad a largo plazo podría estar fuera de suerte cuando se trata de apelar una reclamación denegada. Cualquiera que tenga posibilidades de ganar su reclamación basándose en el "expediente administrativo" sólo podrá hacerlo con un abogado experimentado a su lado.

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por Frank R. Kearney, Abogado

Abogado con experiencia en accidentes de trabajo, incapacidad a largo plazo y accidentes en DC,

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    March 12, 2026

    I had a great experience working with Donahoe Kearney. Frank, Paul, and Grace did an excellent job helping me reach a settlement and made the whole process much easier to deal with.

    I worked with Paul a lot throughout the case, and he was always professional, responsive, and easy to communicate with. What I appreciated most was how he kept everything short, clear, and straight to the point. He explained things in a way that was easy to understand and kept me informed every step of the way.

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    Historia de éxito

    Communication is key

    March 12, 2026

    I had a great experience working with Donahoe Kearney. Frank, Paul, and Grace did an excellent job helping me reach a settlement and made the whole process much easier to deal with.

    I worked with Paul a lot throughout the case, and he was always professional, responsive, and easy to communicate with. What I appreciated most was how he kept everything short, clear, and straight to the point. He explained things in a way that was easy to understand and kept me informed every step of the way.

    Thanks to his hard work and guidance, we were able to reach a good settlement. I would definitely recommend Frank and Paul to anyone looking for a lawyer. They are knowledgeable, efficient, and truly work for their clients. Make sure you read the awesome newsletters they are great! Thank you!

    Evan Walton
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    Historia de éxito

    Communication is key

    March 12, 2026

    I had a great experience working with Donahoe Kearney. Frank, Paul, and Grace did an excellent job helping me reach a settlement and made the whole process much easier to deal with.

    I worked with Paul a lot throughout the case, and he was always professional, responsive, and easy to communicate with. What I appreciated most was how he kept everything short, clear, and straight to the point. He explained things in a way that was easy to understand and kept me informed every step of the way.

    Thanks to his hard work and guidance, we were able to reach a good settlement. I would definitely recommend Frank and Paul to anyone looking for a lawyer. They are knowledgeable, efficient, and truly work for their clients. Make sure you read the awesome newsletters they are great! Thank you!

    Evan Walton
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