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=== Overuse and utilization management === Patients may visit the emergency room for [[#Non-emergency use|non-emergencies]], which typically costs the patient and the [[managed care]] insurance company more, and therefore the insurance company may apply [[utilization management]] to deny coverage.<ref>{{cite journal | vauthors = Chou SC, Gondi S, Baker O, Venkatesh AK, Schuur JD | title = Analysis of a Commercial Insurance Policy to Deny Coverage for Emergency Department Visits With Nonemergent Diagnoses | journal = JAMA Network Open | volume = 1 | issue = 6 | pages = e183731 | date = October 2018 | pmid = 30646254 | pmc = 6324426 | doi = 10.1001/jamanetworkopen.2018.3731 }}</ref> In 2004, a study found that emergency room visits were the most common reason for appealing disputes over coverage after receiving service.<ref>{{Cite journal|url=https://www.rand.org/pubs/research_briefs/RB9039.html|title=Inside the Black Box of Managed Care Decisions: Understanding Patient Disputes over Coverage Denials|last1=Gresenz|first1=Carole Roan|last2=Studdert|first2=David M.|date=2004|website=Rand.org |access-date=12 March 2020|last3=Campbell|first3=Nancy F.|last4=Hensler|first4=Deborah R.|last5=Kapur|first5=Kanika | name-list-style = vanc }}</ref> In 2017, [[Anthem (company)|Anthem]] expanded this denial coverage more broadly, provoking public policy reactions.<ref>{{Cite web|url=https://www.healthcaredive.com/news/anthem-er-policy-could-deny-1-in-6-visits-if-universally-adopted-jama-stud/540241/|title=Anthem ER policy could deny 1 in 6 visits if universally adopted, JAMA study warns|website=Healthcare Dive |access-date=12 March 2020}}</ref>
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