A doctor’s advice on managing your health insurance

I am a physician, department chair of a medical school, and professor in a family medicine residency. I have a blood disorder that requires regular visits to a specialist in New York City and recently experienced a kidney stone attack, a surgical procedure, and a brief hospitalization local to Connecticut.

I am employed in Connecticut and receive my employer-based health insurance from an insurance company located in California. The insurance company partners with a “third party administrator” (TPA), a company that processes insurance claims for the insurance company. The insurance company is part of a much larger insurance organization with separate branches located in many states. Enough talk.