This is what happens; the longer it takes for the insurance companies to pay the more difficult it becomes for the provider the agency or registry and person getting the care. It’s just pressure. The agency or registry, they’re paying their caregivers for the care and waiting to be paid by the insurance company. They can only do that for so long. So that kind of pressure obviously gets thrown toward the person receiving the care and the family. We’re not getting paid, we need a credit card. We need you to pay us. If you don’t pay us, we’re going to have to stop the care. So it creates an adversarial relationship between the provider and the person who needs the care and it shouldn’t be that way. They’re supposed to be partners.
The caregiver and receiver of care are supposed to be together and because the way the insurers insurance company deals with the payments, they create an adversarial relationship between the provider. And look, if the person who is providing you care is getting mad at you, it’s not going to work. There has to be harmony in the relationship and the insurers are very good at creating disharmony and I’m not saying they’re doing it on purpose but it’s the way they do business and the way that they delay making payments.
There’s a reason why they do it. It’s not to create disharmony, it’s because they like to hold onto their money as long as they can and then ultimately maybe do a deal where they will now agree with the provider that they’ll pay 90% or 80% of the invoices in order to get it all taken care of and then people buckle. The companies buckle and then they’re looking to the insured person to pay the balance and it’s something that should not be happening. If the care is provided and is properly documented and invoiced and the policy covers it then there’s absolutely no reason or basis for the insurance company not to pay other than trying to save money. And they’re a business entity and they try to save money and that’s what they do and it does create a problem.