Yup! Just fought three denials with Cigna over the last 6 months for rejections of basic appointments for a physical, an ambulance ride for a family member, and one bigger ticket health expense.

They haven’t approved a single insurance claim submitted without calling and fighting it out with them. Each rejection letter looks plausible, although often nonsensical given the situation.

It almost makes me wonder if the solution is the same as for arbitration clause. Giving users the ability to fight it in a semi-automatic way as well ( so AI generated response plan, calls and so on ). I am not entirely certain where it would go, but.. where we are at is already annoying. I have a good medical insurance and they still keep trying to chisel any way they can ( wife just got a letter asking to confirm she does not, in fact, have a health plan in her job ).