I hear this quite often.
Normally from prospective clients who call and want their fees reviewed.
They claim they have a colleague who gets £250 from BUPA or £350 from AXA.
But they have only been offered £136 from BUPA and £175 from AXA.
The first question I ask is what specialism are they in?
The second is what specialism is their colleague in?
This is very much a loaded question because I already know the answer to the first part.
BUPA paying £250 for an initial consultation and £350 for an initial consultation, tells me the colleague is a mental health specialist.
Then, and it happened last week, the caller tells me they themselves are an ENT consultant.
There is the answer.
BUPA and AXA pay more for a mental health specialist than they do for an ENT consultant or a gynecologist.
I do have a rye smile on my face when the caller points out, they are just as qualified as a gynecologist or as an ENT.
For what it’s worth I agree.
But the reality is, BUPA and AXA deem mental health specialists to be worth more.
The usual argument is that they spend longer with their patients. I have no idea if that’s correct or not.
But what I do know is those are the fee levels.
Arguing with either insurance company that the rules are misguided is, frankly, misguided.