Wow Doug! You wrote: "My insurance company is basically discouraging me from visiting my doctor in person." Mine, Aetna Medicare PPO, is doing just the opposite. I just got an email encouraging me to visit my doctor then login to my account and evaluate the visit for them. Then I got another one which was worded slightly different after they realized I had already seen him recently. I wonder if they get to pay doctors less when there's a tele-visit rather than office visit. I notice from my benefits statements that doctors get paid significantly less through Medicare than what their OV charges actually cost.
I think insurance companies are influencing medical care or responsible for the lack thereof in some cases. New mothers used to stay in the hospital 5 days after giving birth. Now they are "kicked out" the next day. If they had C sections it may be a couple of days longer, I'm not sure.
I've read that they pay for 15 minutes of care when visiting a doctor's office so that's all doctors are obligated to give Medicare patients. My doctor spends between 45 minutes and an hour with me each time I go and that's usually every three months.
Years ago when I needed PT, the insurance only paid for 11 visits. So for those who cannot afford to pay out of pocket, their PT time is limited and maybe they need more. Then there are drugs that insurances won't cover. For example, I used to take Aciphex, which managed my GERD excellently. My RX plan stopped paying for it, so did Blue Cross and Blue Shield, the plan a co-worker friend had. Between my gastroenterologist and PCP, they gave me enough samples to last me for a few months.
I found out after my sister had knee replacement surgery that United Health Care is problematic when it comes to admitting someone to a rehab facility. I was in my sister's room when the nurse or social worker came and told her that. As a member of the Patient Advisory Council that met at my doctor's office, I mentioned it. The nurse and secretary both said they also experienced that problem with UHC