Perhaps – like me – you’ve been surprised at the amount of venom expressed online in reaction to the hit-style murder of United Healthcare executive Brian Thompson. The anger I’m talking about is against the victim, not the murderer. It seems to be coming more from left than right, although there’s quite a bit on both sides that takes the form of saying either that his death was deserved or that the person is indifferent to it because of some awful experience they report with health insurance coverage, or that they perceive is common with health care coverage.
Health insurance is a business, and like all insurance it’s geared to making money. And yet people need it when they are in a state of stress, and sometimes when their lives are at stake. That makes for a real love/hate relationship that I see as inevitable. The alternative to having the profit motive involved is having the government run the whole thing, and from what I’ve heard of Canada and the UK that’s not a solution with which most people would be happy.
As medical costs get higher and higher, the rules for coverage are going to become more strict. Don’t discount the role played by the uninsured (including in many cases illegal aliens) who can’t be refused at emergency rooms and who are subsidized by the paying customers. The health insurance industry wants pre-approval for certain kinds of reimbursement, and sometimes people simply don’t comply or the situation is such (an emergency) that they cannot comply, and that can cause reimbursement problems or at least delays. And of course there’s managed care, which can restrict choices. Health insurance companies also lose a lot of money to scams and frauds, and some of their scrutiny of claims represents an attempt to detect fraud and deny fraudulent claims.
Here are examples of people’s complaints about their health insurance:
In one stark example, a Facebook post by UnitedHealth Group expressing sadness about UnitedHealthcare CEO Brian Thompson’s death received 62,000 reactions – 57,000 of them laughing emojis. UnitedHealth Group is the parent company of UnitedHealthcare, the division that Thompson ran. …
Almost immediately after news broke that Thompson had been killed, social media users began posting about their frustrations with UnitedHealthcare and other insurance companies.
UnitedHealthcare “denied my surgery two days before it was scheduled. I was in the hospital finance office in tears (when I was supposed to be at the hospital doing pre-op stuff),” one user wrote in an X post that received more than 70,000 likes. “My mother was flying out to see me. My surgeon spent a day and a half pleading my case to United when she probably should have been taking care of her other patients,” she added, before saying the surgery ended up going ahead but calling the process “torture.”
“My breast cancer surgery was denied” by a different insurance company, another X user posted. “Breast cancer. She asked me ‘well, is it an emergency?’ I don’t know- it’s (f***ing) cancer. What do you think? I had to appeal and luckily it went through. Evil to do that to people,” she said.
Their stories could not be independently verified by CNN.
Are these cases of failure to notify the insurer and get pre-approval, or are they some sort of arbitrary denial? Often people don’t say – and that’s an important fact left out.
More:
Restricting access to health care through tools like claim denials and prior authorization, which requires that insurers approve the care in advance, are among the ways that health insurers try to weed out care that’s not medically necessary or not backed by scientific evidence – but it can also increase their profit margins. The practices, which increasingly rely on technology, including artificial intelligence, can infuriate patients and providers alike.
A class action lawsuit filed last year in US District Court in Minnesota argued that UnitedHealthcare uses AI “in place of real medical professionals to wrongfully deny elderly patients care,” according to the complaint. More than 90% of the denials are reversed …
So it often does work out in the end, but people are stressed by the process when they are already mega-stressed by the illness or accident. And AI? If it’s anything like the “chat” help functions I often encounter online when trying to deal with computer glitches and the like, it can be deeply infuriating.
But to go from there to applauding the killing of Thomspson is heinous. And it seems to be quite widespread. People think healthcare coverage should be an absolute right, but whether that coverage is by insurer or by government, health care costs are so high that coverage refusal is inevitable, and rage seems to be inevitable as well.