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Coverage of Laser Technology by Health Insurers Health and health technology - fas

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The document titled 'Coverage of Laser Technology by Health Insurers' discusses the decision-making processes of private health insurance companies regarding the coverage of new laser technologies in medical treatment. It highlights the criteria used by insurers, such as medical acceptability, efficacy, safety, cost-effectiveness, and regulatory approval. The paper presents survey results from medical directors affiliated with private insurers about their coverage decisions for three specific laser applications: laser angioplasty, laser discectomy, and photodynamic therapy for bladder cancer. It emphasizes the challenges faced by insurers due to a lack of reliable information on new technologies and suggests that both insurers and other stakeholders should share responsibility in ensuring effective and cost-efficient technology adoption.

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What is the conclusion of laser technology and its application in medicine?

Laser technology involves using light to perform various functions like cutting, engraving, measuring, and communication. The word laser stands for Light Amplification by Stimulated Emission of Radiation. Simply put, lasers produce highly focused beams of light that are coherent, monochromatic, and collimated.

What is a laser in health insurance?

Summary: Lasers have revolutionised the field of medicine, offering precision, efficiency, and minimally invasive options across various specialities. This article explores the diverse applications of lasers in medical practice, including surgery, dermatology, ophthalmology, and more.

What is a laser plan?

Lasers, in insurance, are common in self-funded plans, where the company takes on an additional claim risk in exchange for lower premiums. So in this case, the company pays the first $400,000 of claims before their stop-loss carrier picked up the rest of the claims.

What is a laser in medical terms?

You would need to have the policy that covers the procedure, contact the insurer to find a contracted (in-network) provider, and if one does not exist get a pre-certification/prior authorization (in writing), for the specific provider your seeing.

What is laser in health insurance?

A stop-loss insurance laser is when insurers place a lower coverage level or higher attachment point on an individual or group of people. Most often, these individuals have a known chronic health conditionsuch as diabetes, heart disease, or cancerwhich places them at a higher risk of costly medical claims.