Colleen Henderson struggled with her daughter's health issues, eventually discovering a tumor in her bladder after persistent lobbying for testing despite insurance denials. Over the next five years, her family faced a million dollars in medical debt from UnitedHealthcare as they fought for necessary treatments for her daughter's inflammatory pseudotumor. Their bankruptcy highlights a growing issue where many Americans do not appeal insurance decisions, even as legislative efforts in California seek to penalize repeat offenders in the insurance industry for unjustified treatment denials.
If I had not fought tooth and nail every step of the way, my daughter would be dead. You pay a lot of money to have health insurance, and you hope that your health insurance has your well-being at the forefront, but that's not happening at all.
Surveys show few Americans appeal insurance denials. Analyses found many who escalate complaints to regulators successfully overturn denials, indicating insurers deny care routinely.
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