Medicare Advantage […] delayed responding to my PCP’s request for a prior authorization for a referral to a dermatologist to assess a small pigmented mass on my ear. The delay of 5 months was due to my [insurer] subcontracting the approval process to [another company]. It was two more months before I had a malignant melanoma removed, and it had grown more than 3 times the original size. I am now receiving immunotherapy. This may not have been necessary if it had been addressed when it was first detected.