How aggressively they’re willing to err on the side of “no”, secure in the knowledge people don’t have the supreme bureaucracy tolerance necessary to fight it. Fuck thats a great way to word it. I cant think of anything that is as frustrating as dealing with fighting your insurance on a healthcare event. Getting that surprise bill in the mail, and then the subsequent NUMEROUS phone calls, emails, faxes you have to do just to get basic questions answered, and then further inquire about why something that was done in network and seemingly clearly covered by your policy is being denied, is a nightmare. It takes hours of persistence just to get coverage for what youve been paying thousands into for years. And sometimes you still dont get a good resolution, and just wasted your time and still owe the money.