UnitedHealth

“Large insurance companies continue to do all they can to deny, delay or reduce payments for emergency care,” Dr. Christopher Kang, president of the American College of Emergency Physicians, said in a statement. “Immediate action to strengthen enforcement of the prudent layperson standard and other existing laws can help hold […]

Insurers have wide discretion in crafting what is covered by their policies, beyond some basic services mandated by federal and state law. They often deny claims for services that they deem not “medically necessary.” When United refused to pay for McNaughton’s treatment for that reason, his family did something unusual.