Just pointing out if an insurance office shuts down for the day then no claims are getting approved.
Well my darling deario no claims are being approved, they’re being rejected though.
Two weeks ago people were posting stats on the front page showing the industry average denied claims is around 16% and UnitedHealth denies double that at 32%, so that means the vast majority of claims are approved even for the worst examples.
Ideally it should be 0% (this is too optomistic, but I am not one make that figure) people pay into an insurance system to distribute risk. If a company cant resolve the inflow/outflow problem (not even going to get into profits, for-profit insurance is unethical) then it needs to be managed by an organization that can. ~30 governments (USA not amongst them) that have solved this problem for their citizens and anyone requiring medical assistance within their borders.
68% in particular is stretching the term “vast majority” especially when that 32% is people who pay for insurance every fucking month for the explicit purpose of being covered.
They aren’t asking for a handout. They are entitled to this coverage. They paid for it already!
If you presume the other health funds are acting rationally, accepting legitimate claims, rejecting those that are not covered by the policy of the person claiming them, then for every illegitimate claim denied by the average fund United deny one illegitimate and one valid claim.
In what way is that not terrible?
I’m sure we’d be pretty sanguine about a school bus driver who gets 68% of the kids to school safely, too.
