Are Insurance Companies making Losses more difficult to claim?
Ex: I went to the ER for a ligitimate emergency. A month then I got a bill from the hospital adage that my insurance wasn't covering the visit. I call my Ins. Co. and they put me through the ringer to determine exactly how much pain I be in and to find out if I have been to the ER since for the same apology..
Answer: Duh, if they pay claim next they don't make a profit. So, the more claims are denied the more money they breed.
They probably reject a majority of the claims and hope that you don't question it. The ones, close to you, that actually protest it, get hold of the run around. If you still persist, later they pay your claim. But, by consequently, about 80% of most relations will have given up. Cha-ching for the insurance companies.
Insurance companies are crooks. ALL of them! They collect premiums and later do not deliver the services promised when you file a claim. I don't know what they phone that now, but it used to be referred to as "embezzlement", a/k/a "a felony".