By Stephen C. Schultz His breathing was heavy and fast. Mucus sprayed from his nostrils and his cheeks fought the g-forces as if he were a fighter pilot leaving the deck of an aircraft carrier in an F-16. His neck muscles strained and his face grimaced as the fight or flight response kicked in. Five; six; seven now eight steps into his evasive action that was steeped in athletic prowess and natural instinct, he thought he was in the clear. Once again, he had cheated death and the angels of mercy had looked down upon him. It didn’t register right away. With each step, the distance grew larger between him and his immediate threat. It shouldn’t have happened this way. There was so much to live for. He was in the prime of his life with family and friends who loved and cared about him. He didn’t want it to end this way. The pain was quick and sharp. It penetrated right in the square of his back between his shoulder blades. His chest was thrust forward and his a...
By Stephen Schultz (Editor’s Note: This article was inspired by a conversation I had with a mother whose son was in crisis.) The concept of Medical Necessity sits at the center of modern behavioral health insurance coverage. At its core, it is a reasonable and well-intended standard: to ensure that individuals receive the right level of care at the right time, while avoiding unnecessary or overly intensive services. When applied thoughtfully, Medical Necessity protects both patients and systems. In practice, however—particularly when authorizing residential or inpatient care for adolescents—the application of Medical Necessity can produce outcomes that run counter to its original purpose. When Cost Containment Becomes Care Shaping Medical Necessity standards were developed, in part, to reduce excessive utilization and control escalating costs. The underlying assumption is that less restrictive, lower-cost services should be attempted first, with higher levels of care approved only whe...