I frequently hear the complaint that insurance companies deny health care. They question your doctor’s treatment plans, they look at medical necessity, etc.
Apparently many people believe it’s hands off, no interference, just pay the bill.
The thing is, money to just pay the bill comes mostly from your fellow insured individuals through the premiums they pay or from your employer if it is self-insured.
Insurance companies may deny paying for a procedure, they don’t deny you care.
If you want health care insurance won’t cover, just write a check and obtain the care.
What?
That’s too expensive!
Yup, that’s the point.
We are all willing to spend anything on healthcare as long as it is with somebody else’s money.
QUINNSCOMMENTARY 
Some insurance (Medicare Advantage) companies have been shown and proven to employ delay and deny tactics. See Federal Report on Medicare Advantage Plan (April 2022) at or look at NPR that wrote “federal audits reveal widespread overcharges and other errors in payments to Medicare Advantage health plans, with some plans overbilling the government more than $1,000 per patient a year on average.” at
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But you can still obtain care at your own cost. MA is a rip off to Medicare.
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