Quote Originally Posted by Universal Mind View Post
The terms of the insurance contract. It is not like an insurance company is not bound by an agreement. They do what they are required to do by contract. They don't have the liberty to reject just any medical bill they want to reject. If they did, they would pay for nothing.
I'm sorry, but this is a bit naive. The relationship I described applies to every single insurance company today. "Denied claims = more money" works for each and every one of them. Some are worse than others, to be sure, but there is no language on an insurance contract that will betray their tendencies.

There is a wealth of available court testimony from insurance company ex-employees regarding the kinds of requests management made to them. To hear some of this testimony is to question whether those in charge have any feelings towards their fellow humans at all.