Quote:
Originally Posted by Willravel
I never claimed anything was illegal (nice strawman). It's not illegal to deny a valid claim because validity is a matter of opinion. What is fact, something no one can hope to deny, is that medical insurance companies deny claims that are backed up by doctor recommendations, putting a bureaucrat between you and your doctor. What is fact is a 40% denial rate. What is fact is that medical insurance companies are for-profit businesses, and publicly traded insurance companies have a responsibility to stockholders. What is fact is some people are denied care despite the fact that the care would save their lives.
Edit: and speaking as a victim of the greed of the insurance companies—I pay about $8000 a year for my insurance because I have a "preexisting condition"—I take offense to the uninformed defenders of the industry.
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Without seeing the claim form and the denial letter, your in no position to assume anything about these claims. If a procedure isn't explicitly covered in your policy your insurance company will most likely deny it, not matter what the doctor recomendation would be. A govn't run plan will do the same thing