State Of Denial How Insurance Companies Impact Health Care Today

Smart Insurance Choices
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35 Video Views·Jul 23, 2026
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State of Denial How Insurance Companies Impact Health Care Today
The text highlights the struggles that many Americans face in getting proper medical care and coverage from their health insurance companies.
It tells the story of Dr. Dan Hurley, who was denied coverage for various cancer treatments despite being a doctor himself and skilled in navigating the insurance system.
The article discusses how insurance companies have a financial incentive to deny claims and make it difficult for customers to access their coverage.
Data shows that insurers denied 19% of in-network claims in 2024, with one major insurer denying up to a third of its federal claims in previous years.
Doctors like Dr. Elizabeth Potter share their experiences of constantly having to fight with insurance companies over coverage decisions, which can add significant costs and delays to patient care.
The story also explores the concept of rationing by inconvenience, where insurers know that most people won't appeal denied claims, even though many denials are overturned on appeal.
Ultimately, the article paints a troubling picture of the American health care system, where patients and providers are forced to battle with insurers just to get necessary medical treatment covered.
It highlights the urgent need for reform and accountability in the health insurance industry.
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