Which protection principle supports the idea that insurance companies should not deny coverage for necessary medical procedures?

Which protection principle supports the idea that insurance companies should not deny coverage for necessary medical procedures?

• A. Justice
• B. Beneficence
• C. Autonomy
• D. Nonmaleficence

Answer: (A)

The principle that supports the idea that insurance companies should not deny coverage for necessary medical procedures aligns with the concept of justice. Justice in healthcare refers to the fair and equitable distribution of resources and treatment. It emphasizes the obligation to ensure that all individuals have access to necessary medical care without discrimination or undue barriers, including financial obstacles imposed by insurance companies. When insurance coverage is denied for essential treatments, it can lead to unequal access to healthcare, reinforcing disparities in health outcomes. Thus, upholding the principle of justice advocates for policies that ensure all patients receive the medical procedures they require, thereby promoting fairness in the healthcare system. This principle is foundational in creating ethical guidelines for healthcare policy, including insurance practices.

The principle that supports the idea that insurance companies should not deny coverage for necessary medical procedures aligns with the concept of justice. Justice in healthcare refers to the fair and equitable distribution of resources and treatment. It emphasizes the obligation to ensure that all individuals have access to necessary medical care without discrimination or undue barriers, including financial obstacles imposed by insurance companies.

When insurance coverage is denied for essential treatments, it can lead to unequal access to healthcare, reinforcing disparities in health outcomes. Thus, upholding the principle of justice advocates for policies that ensure all patients receive the medical procedures they require, thereby promoting fairness in the healthcare system. This principle is foundational in creating ethical guidelines for healthcare policy, including insurance practices.