[jws]

Around here folk call it the "Three D" strategy. Delay, deny, die.

If the insurance company can put off your procedure long enough you might die and then they don't have to pay for it. Family friend who has lost so much hearing he can't participate in conversations anymore has been strung out for 6 months by his insurance on a cochlear implant. The final hurdle was them denying because of incomplete paperwork, that they did indeed have said paperwork which was part of the initial submission.

If Americans find this unacceptable, they will need to adjust the laws to change the incentives to the insurance companies.

[toomuchtodo]

This might help your friend.

https://www.propublica.org/article/your-right-to-know-why-he...

[pstuart]

That might help a lot of people ;-)