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THE INDEPENDENT MEDICAL EXAMINER
Many patients have questions regarding an
IME (Independent Medical Exam). These questions usually
come from upset patients who question the process. I
never know what to say, but I recently read an article by
John Gould, who couldn't have described the process any clearer. Some
of the things he said were, and I quote: This is a touchy
subject. The independent medical examiner is a doctor working
on a short- or long-term contract for a worker's compensation
case. In its purest, most legitimate form, this arrangement
provides a second opinion by an alleged expert in a case
in which the response to treatment seems delayed. This review
is to ensure that the patient and the insurance company are
receiving fair and appropriate treatment by the attending
physician. Certainly, this is reasonable. In many cases,
however, it seems that inappropriate treatment, is being
rendered by the insurance company and the independent examiner,
either innocently or otherwise.
Who are the physicians who work as examiners,
and what are they up to? In my experience, they have been
orthopedic fellows, barely out of residency, older orthopedists
who have retired or are phasing down their practice, or young
orthopedists early in their practice, which is often in academics.
All need the money and are aware of the built-in potential
for bias: the more that the reports they provide save the
insurance company money, the more referrals they will receive.
It doesn't take a genius to understand this picture.
My experiences are as follows: Our orthopedic
fellows have made good moonlighting money reviewing these
cases. For these fellows to suggest that some good doctors
in our referral base might not be providing appropriate care,
particularly considering the fellow's lack of experience
in managing patients, could not possibly strengthen our referrals
from these individuals. I forbade this practice among my
fellows for both moral -and practical reasons. I also discouraged
young attendings from spending their time salting away "secret" revenues
and possibly antagonizing private-practice colleagues, rather
than building their practices and participating in academic
pursuits. I questioned these young colleagues' wisdom in
passing judgment in areas where their expertise might well
be limited.
This philosophy had, of course, no bearing
on doctors in the community passing judgment on us. Many
of us who thought we were acknowledged in the field to have
subspecialist expertise have experienced the indignity of
having a less-experienced generalist pass judgment on our
care, possibly terminating it and leaving nothing further
for the patient. Nonexperts in complex cases will make decisions
on the basis of a single visit and superficial examination,
often negating months of effort with a quick decision and
the flourish of a pen.
I recall the case of a worker receiving treatment
for an anterior cruciate-deficient knee. Rehabilitation had
failed, and the treating sports medicine expert was about
to proceed with a surgical reconstruction. The independent
examiner, unfriendly to the treating physician, declared
the procedure unnecessary, adding that such procedures were
rarely indicated. Clearly, this is an out- dated concept
rendered as an emotional decision. A patient of mine with
very clear-cut signs of a nerve entrapment syndrome, failed
conservative treatment, had negative electrodiagnostic studies,
but attained a successful outcome from surgery. A year later,
the opposite extremity became symptomatic, with the same
presentation. In this case, an examiner reported that surgery
was not warranted. Since we had reached the end of efforts
to relieve her symptoms conservatively and she was unable
to work, we had a dilemma. She could not afford to pay for
the surgery herself, and no hospital would accept her without
a guarantee of payment.
I cannot condone the current IME system.
If an insurance company wants another opinion, even multiple
opinions by true experts in the field, so be it. But to denigrate
the care of a competent doctor on the basis of an inexpert
opinion, which has possibly been biased, is truly a scam perpetrated
by companies who do not wish to honor their financial commitments
and by their accomplices, physicians who, perhaps unwittingly,
play the game. This practice needs significant reform.
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