“a 2010 book on ‘why insurance companies don’t pay claims and what you can do about it’, called ‘Delay, Deny, Defend’”
I did not know this. Now this all makes sense.
If you lost a loved one because 9f their aggressive denial of care, you would understand.
United and Humana work together and are pretty much the same.
I did battle with them when a family member had a stroke and required rehabilitation. Seven times I had to file appeals to protest their denial of service.
The critical period for stroke recovery is in the weeks immediately following the stroke. After a week they said no more rehab. This was nursing home rehab that was very expensive.
I would no more win one appeal and they would deny care again, in the same week.
My wife is a Dr at the hospital and we made sure we had the top Dr’s on this. We made sure they emphasized the necessity of immediate rehab for best recovery.
Finally, I threatened malpractice on the Humana Dr. Reviewing the case as he was giving an opinion outside his area of practice, without even examining the patient.
She had the best Humana plan available with full payment for rehab on days 41 through 100. While she was in rehab they changed her coverage to not pay.
I totally understand the frustration people have with the very aggressive denial of needed treatment.
I analyzed their financial statement and saw their profits jump almost a billion dollars per year as a result of the change.
If you map the ownership, it’s political.