Dirty Secrets

Even when doctors say it’s needed, insurers often say no. You did everything right. You saw your doctor, followed their advice, and submitted the paperwork. Then, out of nowhere, you’re told your treatment isn’t covered because it’s “not medically necessary.” Wait—who gets to decide what’s necessary?Here’s the disturbing truth: health insurance companies often override doctors,…

Insurance claims can feel like a maze—and it’s not an accident. If you’ve ever filed a health insurance claim and felt overwhelmed, confused, or outright defeated, you’re not alone. There’s a reason for the chaos. Many insurance companies operate with a behind-the-scenes strategy known as the “3 D’s”:👉 Delay👉 Deny👉 Defend This approach maximizes profits—at…