We Hate Health Insurance Companies. 3 Reforms Would Help.

           The arrest of a suspect in the assassination of UnitedHealthcare CEO Brian Thompson on a street in midtown Manhattan leaves some questions unanswered. But the gleeful reaction to the executive’s slaying leaves nothing subject to interpretation. Many Americans feel that they have been treated so shabbily by the health insurance industry that they despise it and want their leaders to die—and they’ve been willing to say so loudly and publicly.

            I’m 61. I can’t recall the demise of any public figure being greeted with as much glee and dark humor, including the killing of Osama bin Laden. Which makes psychological sense. If someone is trying to kill you, you hate them.

            Health insurance companies are trying to kill us.

While Americans were shocked and some even traumatized by the 9/11 attacks, most individuals didn’t feel personally threatened, much less harmed, by Al Qaeda. On the other hand an insurer like United, which is reported to deny a whopping 32% of in-network claims, wields the power to overrule doctor’s orders, harass sick people at their most vulnerable and, given the sky-high health costs in this country, put medical treatment—the ultimate non-discretionary expense—out of reach. Rare is the health insurance customer who can’t tell a horror story of being unfairly turned down for reimbursement for a doctor’s visit or procedure, usually after being given the runaround over pre-authorizations, procedural codes, doctors erroneously listed as in network, and other Soviet-style nonsense.

Sometimes health insurers decide that people—people like you—shouldn’t receive life-saving care. Patients die every year due to the health insurance industry’s sinister profit model, which heavily relies upon quotas for automatic and in many cases automated denials.

            Even when health insurance works as advertised, it feels like a scam. You pay a monthly premium yet, even when you have a legitimate claim, you probably won’t be able to collect a reimbursement due to high deductibles that can exceed $10,000 a year. Insurers’ online directories of in-network health providers are years out of date; most of the doctors listed no longer accept the company’s insurance (or never did), have moved their practices, or are retired or deceased. “In a 2023 analysis, researchers surveyed nearly 450,000 physicians in the Medicare provider database that appeared in online physician directories for UnitedHealth, Elevance, Cigna, Aetna, and Humana,” Jacobin reported. “They found that only 19 percent had consistent addresses and specialty information across all the directories in which they were found.” (Failing to keep these lists up-to-date is illegal under the 2022 No Surprises Act (NSA), but the federal law is not enforced.)

There ought to be more difference between the experience of being uninsured and paying for insurance.

Health insurance companies create misery that feels intensely personal. The fact that a procedure or medication ordered by your physician, whom you know and has examined you personally, can be overruled by an anonymous individual who has never laid eyes upon you in a completely opaque process can be maddening. Insurers want to make more money and are willing for you and your loved ones to suffer great pain, and perhaps even death, in order to maximize revenues.

“Our role is a critical role, and we make sure that care is safe, appropriate, and is delivered when people need it,” UnitedHealth Group CEO Andrew Witty reassured employees in an internal video following Thompson’s killing. “We guard against the pressures that exist for unsafe care or for unnecessary care to be delivered in a way which makes the whole system too complex and ultimately unsustainable.” He hasn’t learned a thing.

This, of course, is bullshit. Companies like UnitedHealthcare are leeches, a net negative to the patient experience. No one believes they are “guarding” us against any danger whatsoever. They aren’t fighting “complexity;” they are the complexity. They add an additional, unnecessary layer of bureaucracy between sick people and healthcare providers, with only one goal: profits.

The obvious solution is to abolish the medical insurance industry and join the 69% of the world’s population that has some form of universal healthcare. For the foreseeable future, however, massive donations by the health insurance lobby both to Democrats and Republicans make it highly unlikely that something like Medicare For All, popular among  voters of both parties, will be enacted anytime soon. 

Still, the staggering hatred by health insurance consumers for the current system creates a political opportunity for the politician or party willing to push through three simple reforms to protect health insurance consumers from the industry’s most predatory practices.

First, if a physician is listed as a member of a health insurance company’s network, an insured patient’s experience should be frictionless. In network, no claim for a visit, test, procedure or medication should ever be denied. Pre-authorizations should never be required.

Second, if an insurer believes that one of its network member physicians is overprescribing or otherwise abusing the system, the dispute should be resolved between the insurance company and the doctor. An insurer can sue a rogue doctor, kick them out of their network, whatever, but leave sick patients out of it.

Third, failure to update lists of in-network physicians should inconvenience the insurance company that fails to fulfill its responsibilities and comply with federal law, not those of us who are seeking medical care. We deserve truth in advertising. If an insurer lists a doctor as being in-network on their website or elsewhere, patients should be reimbursed for visiting that doctor under the doctrine.

As President-elect Trump formulates his policies for his second term, I hope that his powerful instinct when it comes to gauging public opinion has taken note of our hatred of the for-profit health insurance industry. Pushing through these three reforms would enjoy bipartisan support and begin to fulfill his pledge to fix the badly-broken American healthcare system.

(Ted Rall (Twitter: @tedrall), the political cartoonist, columnist and graphic novelist, co-hosts the left-vs-right DMZ America podcast with fellow cartoonist Scott Stantis and The TMI Show with political analyst Manila Chan. His latest book, brand-new right now, is the graphic novel 2024: Revisited.)

DMZ America Podcast Ep 184: It’s Vigilante Time!

The DMZ America Podcast’s Ted Rall (on the Left) and Scott Stantis (on the Right) discuss a pair of stories that reflect a disturbing trend: as the government turns more lawless and fails to enforce the law, Americans are taking the law into their own hands—and voters seem to approve.

A Manhattan jury acquitted Daniel Penny, the subway rider who strangled a mentally-ill homeless man, Jordan Neely, using a choke hold that the NYPD is banned from using in the line of duty. And Luigi Mangione, the 26-year-old man accused of shooting UnitedHealthcare CEO Brian Thompson to death in New York has become a folk hero to patients angry at the way they’re treated by health insurance companies.

If the system fails, is it acceptable to roll “Death Wish” style? Ted and Scott debate the social and political ramifications.


Taking Stock

The murder of United Healthcare CEO Brian Thomas coupled with the overwhelmingly gleeful public reaction thereto has corporate executives at evil companies thinking twice–not about their actions, but upping their personal security.

TMI Show Ep 33: “Deny, Defend, Depose”: Health insurance Horror Stories

The assassination of United Healthcare CEO Brian Thompson has shocked the nation, not because of the killing itself, but rather due to the widespread and gleeful public reaction to it. As the manhunt continues, social media and mainstream media comment sections are full of horror stories of desperately-ill people and their loved ones attempting to navigate a byzantine health insurance system designed to thwart easy access to medical care and payments to doctors.

Co-host Manila Chan is out today, suffering from pneumonia as well as the vicissitudes of the healthcare system—she got worse because she couldn’t get easy access to antibiotics. Holding down the fort with co-host Ted Rall is TMI Show producer Robby West, who “enjoys” a front row seat amid the chaos and cruelty that is America’s healthcare system.

DMZ America Podcast Ep 182: United CEO Killed: Vigilantism or Justifiable Homicide?

The DMZ America Podcast’s Ted Rall (on the Left) and Scott Stantis (on the Right) dig into the shooting death of United Healthcare CEO Brian Thompson. Does the misery intrinsic to the profit model of companies like United Healthcare justify violent acts like this in a society where there is little recourse for justice? Or is taking the law into your own hands always inherently wrong? And is there any chance that corporate America might start to rethink its rapacious business practices?

TMI Show Ep 32: Did Brian Thompson Have It Coming?

Yesterday morning the 50-year-old CEO of United Healthcare, Brian Thompson, was shot to death on the sidewalk in midtown Manhattan by an unknown assailant. Even including the reaction to the death of Osama bin Laden, it’s hard to think of another high-profile murder that has been greeted with as much glee and schadenfreude by the American public.

Comments sections in news stories and social media were filled with comments about how Brian Thompson had it coming, hopefully this is the first of many, and countless jokes about the bullet that killed him being a pre-existing condition. Almost no one expressed sympathy. TMI Show co-host Ted Rall and, filling in for Manila Chan, producer Robby West, explore this remarkable phenomenon.

United Healthcare is one of the most hated big companies in the United States, in large part because it denies its customers claims at a higher percentage rate than any other insurer. Thompson, paid over $10 million a year, was a poster boy for an industry whose profit model relied upon making people sick and dead to maximize earnings. The hatred was internal as well as external: even as company executives raised their own pay, they laid off thousands of their own workers.

Adding to the intrigue, Thompson was being investigated by the Justice Department over a $15 million sale of United stock suspected as insider trading, and which caused a selloff.

What was the motivation behind the assassination? Will other healthcare executives reconsider their business practices? Or will they just hire additional security? Could this help to spark a national conversation about for-profit healthcare? One thing is for sure: it is 100% clear of that Americans of all political stripes hate the healthcare industry. Because in America, whether you have insurance or not, you don’t get healthcare.

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I fell and broke my wrist in two places. My urgent care place was wonderful, but referred me to a specialist they claimed carried my insurance. In fact, they did not. This is a common problem. Lists of covered providers are years out of date. Nothing is more maddening, especially when you are hurting and sick, to repeatedly be given the runaround about something as simple as whether a doctor accepts your insurance. If an insurance company claims that a doctor is in network, they should be liable if their list is wrong.

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