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Textual Evidence for the Perfunctoriness of Independent Medical Reviews

We examine a database of 26,361 Independent Medical Reviews (IMRs) for privately insured patients, handled by the California Department of Managed Health Care (DMHC) through a private contractor. IMR processes are meant to provide protection for patients whose doctors prescribe treatments that are denied by their health insurance (either private insurance or the insurance that is part of their worker comp; we focus on private insurance here). Laws requiring IMR were established in California and other states because patients and their doctors were concerned that health insurance plans deny coverage for medically necessary services. We analyze the text of the reviews and compare them closely with a sample of 50000 Yelp reviews [19] and the corpus of 50000 IMDB movie reviews [10]. Despite the fact that the IMDB corpus is twice as large as the IMR corpus, and the Yelp sample contains almost twice as many reviews, we can construct a very good language model for the IMR corpus using inductive sequential transfer learning, specifically ULMFiT [8], as measured by the quality of text generation, as well as low perplexity (11.86) and high categorical accuracy (0.53) on unseen test data, compared to the larger Yelp and IMDB corpora (perplexity: 40.3 and 37, respectively; accuracy: 0.29 and 0.39). We see similar trends in topic models [17] and classification models predicting binary IMR outcomes and binarized sentiment for Yelp and IMDB reviews. We also examine four other corpora (drug reviews [6], data science job postings [9], legal case summaries [5] and cooking recipes [11]) to show that the IMR results are not typical for specialized-register corpora. These results indicate that movie and restaurant reviews exhibit a much larger variety, more contentful discussion, and greater attention to detail compared to IMR reviews, which points to the possibility that a crucial consumer protection mandated by law fails a sizeable class of highly vulnerable patients.