Funny, I’ve never held the insurance companies responsible
for my health care. The whole class/corporate warfare thing
doesn’t play for me.
I forget where I saw it, but Medicare is statistically the worst for denial of requested care - worse than any of the insurance companies. I remember trying to get physical therapy approved in Texas. Even if we worded the treatment plan exactly right, it was still a 50:50 crap shoot whether or not they'd approve it. They usually did approve when we sent back another request with even stronger reasons for approval, but I really think they did it in hopes we'd get discouraged and not appeal their decision.