What is the purpose of 'concurrent review' in health insurance?

The purpose of concurrent review in health insurance is to assess the medical necessity of services during treatment. This process involves ongoing evaluation of a patient's care while it is being provided, rather than waiting until after treatment is completed. By actively monitoring and reviewing the necessity of treatments or procedures as they occur, health insurers can ensure that the services being delivered are appropriate and aligned with established guidelines. This proactive approach helps in managing healthcare costs and improving the quality of care by ensuring patients receive necessary interventions while avoiding unnecessary ones, ultimately benefiting both the patient and the healthcare system.